FEDERALBNK
Mid CapThe Federal Bank Limited
Financial Services
The Federal Bank Limited operates in Private Sector Bank, within the Financial Services sector. Use the latest filing and company disclosures below to verify its revenue mix and current business drivers.
One read, four checks
75+ is strong, 60-74 is usable, 45-59 is mixed, and below 45 needs caution. These are research lenses, not buy/sell instructions.
Weak fundamentals, management trust is acceptable, price trend is neutral, and recent execution is mixed.
Fundamental lens: valuation, quality, growth, balance sheet, and cash flow.
low confidence · 0/0 claims checked
Timing lens: price trend and sector relative strength.
Rolling lens: recent quarterly delivery, not the latest single-result score.
Quarter ended 31 Mar 2026
Good · 65/100Rev +12% YoY · PAT +24% YoY · +8% QoQ · operating leverage
| Metric | This quarter | YoY | QoQ |
|---|---|---|---|
| Revenue | ₹7,947 Cr | +11.8% | +8.0% |
| EBITDA | NDF | NDF | NDF |
| Operating margin | NDF | NDF | NDF |
| PAT | ₹1,392 Cr | +24.3% | +23.7% |
| PAT margin | 17.5% | +176 bps | +223 bps |
NDF means not disclosed in the current structured filing feed. It is intentionally not treated as zero.
Issuer presentation review pending
The Federal Bank Limited operates in Private Sector Bank, within the Financial Services sector. Use the latest filing and company disclosures below to verify its revenue mix and current business drivers. The structured result feed currently covers the quarter ended 31 Mar 2026. Investor presentations and earnings-call PDFs will be added as issuer-backed evidence before management claims appear here.
Trend score and candlestick chart
60BullishSMA20 +7.9% / mo · near 52W high
Technical chart
FEDERALBNKweekly · 3Y+52.4%Technical trend read
Mixed signalsSignals are conflicting — long-term trend unclear. RSI 70. Wait for confirmation.
- SMA20 rising (~7.3% over last month) — short-term momentum positive.
- RSI(14) at 70 — overbought zone; risk of mean reversion.
- MACD above signal, histogram expanding — bullish momentum building.
- Within 3% of 52-week high — testing resistance.
Mechanical read from the price + indicator series above. Not a recommendation — technical setups can reverse without warning, especially around earnings and macro events.
Valuation, score drivers, trust methodology, financials, and peers
Use these sections after reviewing the decision summary, latest result, thesis, management accountability, and technical timing above.
Fundamental score breakdown
WATCHLISTWhy this score?
Top U-Score contributors and drags from the latest stored fundamentals.
Positive drivers
- Fair-value margin of safety is positive at 45.7%.
- Growth contributes 13/25 to the score.
- Valuation contributes 13/30 to the score.
Main drags
- Penalty bucket subtracts 1 points.
- Quality is weaker at 0/20; verify the latest quarterly trend.
- Balance sheet is weaker at 6/15; verify the latest quarterly trend.
Bank valuation: P/B adjusted for ROE and asset quality
Banks are balance-sheet businesses, so book value quality matters more than simple earnings multiples.
Stored run vs live recompute
This shows the stored score trend when snapshots exist, and also compares the latest stored nightly score with a live recompute from current fundamentals and price.
Score history
12 stored score snapshots. Latest stored move: +0 points.
Factor attribution
Trust asks: does management behaviour match later outcomes? Higher is better, but confidence and evidence depth matter as much as the number.
Mixed Trust: Claim history is still being built. It ranks around the 57th percentile of the scored universe and 75th percentile within Financial Services. Main check: financial discipline is weak at 56/100.
Healthy Trust Lite: Promoter pledge is zero. Key concern: ROCE is low at 6.4%.
Usable, but needs evidence. Treat guidance with a margin of safety.
overall median 67 · Financial Services: 75th pctile, median 62 · Mid: 34th pctile, median 76
144 documents indexed, but claim history is not strong enough yet.
0 claims extracted · No contradicted claim yet
How to read this Trust Score
Mixed Trust · low confidenceRead Trust alongside U-Score, result consistency, and technical trend. A cheap stock with weak Trust needs a larger margin of safety; a high Trust score does not make an expensive stock attractive by itself.
Forensic breakdown
Read low sub-scores as due-diligence warnings, not automatic sell signals.
Trust positives
- ▸Promoter pledge is zero.
- ▸5 years of positive FCF.
- ▸4/4 latest quarters had positive YoY revenue growth.
Trust risks
- ▸ROCE is low at 6.4%.
Trust Lite uses financial behaviour only. Prefer claim-tested Trust when enough concall claims have later outcomes.
Intrinsic value
Fundamentals
Valuation
- P/E
- 17.30
- P/B
- 1.88
- EV/EBITDA
- —
- Market Cap
- 75121.00Cr
Profitability
- ROE
- 11.60%
- ROCE
- 6.39%
- ROA
- 1.12%
- Dividend Y
- 0.39%
Growth (CAGR)
- Revenue 5Y
- 16.00%
- EPS 5Y
- 21.00%
- Revenue 3Y
- 19.00%
- EPS 3Y
- 11.00%
Balance Sheet
- Debt/Equity
- 0.11
- Interest Coverage
- —
- Altman Z
- 1.88
- Book Value
- 162.00
Cash Flow
- FCF Yield
- —
- FCF Positive Y
- 5/5
- OCF
- 4349.00 Cr
- EPS TTM
- 17.63
Shareholding
- Promoter Hold
- —
- Promoter Pledge
- 0.00%
- Momentum 52W
- 96%
Financial History
Updated 9/6/2026
Revenue
₹ CrNet Profit
₹ CrReturn on Equity
%Peers
Business-comparable peers in Financial Services — ranked by industry, sub-sector, theme-tag overlap, market cap, and U-Score similarity. Green cells mark the best available peer metric in this table.