IDFC First Bank Ltd.
NSE: IDFCFIRSTB · Private Sector Bank
Snapshot
Unlock IDFC First Bank Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
IDFC First Bank Limited is a private sector bank in India offering a comprehensive suite of banking and financial services to individuals, corporates, and SMEs. Its operations are structured across treasury, corporate and wholesale banking, retail banking, and other banking business segments.
Business Model
The bank generates revenue through net interest income from a diverse loan portfolio, including retail, consumer, and corporate lending, alongside fee-based income from payment services, trade finance, and investment products. It leverages a widespread network of branches, ATMs, and digital banking platforms to capture deposits and provide financial solutions.
- Branches:641
- ATMs and Recyclers:719
- Rural Business Correspondent Branches:601
Growth Outlook
Growth is driven by the expansion of the retail loan book, increased penetration of digital banking services, and the scaling of its branch network across India. The bank continues to focus on diversifying its liability franchise through savings and current account growth.
Key Risks
- Credit Risk. The bank faces potential losses if borrowers, particularly in the retail and SME segments, default on their loan obligations.
- Interest Rate Risk. Fluctuations in interest rates can impact the bank's net interest margins and the valuation of its treasury investment portfolio.
- Regulatory Risk. Changes in banking regulations and compliance requirements by the Reserve Bank of India may affect operational costs and business strategies.
- Competition. Intense competition from established public and private sector banks may pressure lending rates and deposit acquisition costs.
Price
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Key Metrics
REVENUE
₹40,549 Cr
TTM · standalone
NET PROFIT
₹1,611 Cr
TTM · consolidated
EPS
₹1.89
TTM · consolidated
P/E
41.9x
Q4 FY26 · consolidated
NET PROFIT MARGIN
3.1%
Q4 FY26 · consolidated
Peers · Private Sector Bank
| Company | Mkt Cap (Cr) | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
IDFC First Bank Ltd.IDFCFIRSTB | 53,542 | 41.95 | — | 11.1% | — | 3.5% | — | +7.3% |
IDBI Bank Ltd.IDBI | 72,256 | 9.98 | — | -2.5% | — | 13.5% | — | -15.0% |
Federal Bank Ltd.FEDERALBNK | 64,896 | 18.48 | — | 5.5% | — | 11.4% | — | +52.1% |
IndusInd Bank Ltd.INDUSINDBK | 62,211 | 88.83 | — | -5.0% | — | 1.4% | — | +15.2% |
Yes Bank Ltd.YESBANK | 56,828 | 21.40 | — | -2.3% | — | 7.1% | — | +17.3% |
Karur Vysya Bank Ltd.KARURVYSYA | 26,554 | 11.24 | — | — | — | 17.6% | — | +11.0% |
As of Q4 FY26
Financials
IDFC First Bank Ltd.
NSE: IDFCFIRSTB · Private Sector Bank
Snapshot
Unlock IDFC First Bank Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
IDFC First Bank Limited is a private sector bank in India offering a comprehensive suite of banking and financial services to individuals, corporates, and SMEs. Its operations are structured across treasury, corporate and wholesale banking, retail banking, and other banking business segments.
Business Model
The bank generates revenue through net interest income from a diverse loan portfolio, including retail, consumer, and corporate lending, alongside fee-based income from payment services, trade finance, and investment products. It leverages a widespread network of branches, ATMs, and digital banking platforms to capture deposits and provide financial solutions.
- Branches:641
- ATMs and Recyclers:719
- Rural Business Correspondent Branches:601
Growth Outlook
Growth is driven by the expansion of the retail loan book, increased penetration of digital banking services, and the scaling of its branch network across India. The bank continues to focus on diversifying its liability franchise through savings and current account growth.
Key Risks
- Credit Risk. The bank faces potential losses if borrowers, particularly in the retail and SME segments, default on their loan obligations.
- Interest Rate Risk. Fluctuations in interest rates can impact the bank's net interest margins and the valuation of its treasury investment portfolio.
- Regulatory Risk. Changes in banking regulations and compliance requirements by the Reserve Bank of India may affect operational costs and business strategies.
- Competition. Intense competition from established public and private sector banks may pressure lending rates and deposit acquisition costs.
Price
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Start your research today
Unlock AI insights, financials, peers and live data on IDFC First Bank Ltd. and 5,000+ companies — free.
Key Metrics
REVENUE
₹40,549 Cr
TTM · standalone
NET PROFIT
₹1,611 Cr
TTM · consolidated
EPS
₹1.89
TTM · consolidated
P/E
41.9x
Q4 FY26 · consolidated
NET PROFIT MARGIN
3.1%
Q4 FY26 · consolidated
Peers · Private Sector Bank
As of Q4 FY26