The Federal Bank Limited Logo

The Federal Bank Limited

FEDERALBNK.NS

(3.5)
Stock Price

186,20 INR

1.24% ROA

31.59% ROE

9.41x PER

Market Cap.

367.568.882.000,00 INR

98.35% DER

0.66% Yield

32.42% NPM

The Federal Bank Limited Stock Analysis

The Federal Bank Limited Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

The Federal Bank Limited Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (16.01%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 Revenue Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

3 Net Profit Growth

This company's net profit has consistently grown over the last five years, indicating a strong financial performance and making it an attractive investment opportunity.

4 Assets Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

5 ROA

The stock's ROA (1.16%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 PBV

The stock's PBV ratio (1.26x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

7 DER

The stock maintains a fair debt to equity ratio (98%), indicating a reasonable balance between the money it owes and the ownership it possesses.

8 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

9 Dividend

The company's track record of consistently paying dividends in the last three years highlights its dedication to providing investors with regular income.

10 Buffet Intrinsic Value

The company's stock seems undervalued (572) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

11 Dividend Growth

The company's dividend growth has remained flat for the past three years, offering no indication of improved returns and making it a less advantageous investment opportunity.

The Federal Bank Limited Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

The Federal Bank Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

The Federal Bank Limited Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

The Federal Bank Limited Revenue
Year Revenue Growth
2003 7.200.596.000
2004 7.143.548.000 -0.8%
2005 8.168.085.000 12.54%
2006 10.191.528.000 19.85%
2007 12.636.063.000 19.35%
2008 18.321.532.000 31.03%
2009 19.417.409.000 5.64%
2010 22.658.736.000 14.3%
2011 25.072.521.000 9.63%
2012 26.537.012.000 5.52%
2013 29.203.985.000 9.13%
2014 32.035.848.000 8.84%
2015 32.615.205.000 1.78%
2016 41.591.683.000 21.58%
2017 47.483.402.000 12.41%
2018 56.361.293.000 15.75%
2019 67.887.201.000 16.98%
2020 77.541.675.000 12.45%
2021 83.586.197.000 7.23%
2022 102.727.700.000 18.63%
2023 120.162.400.000 14.51%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

The Federal Bank Limited Research and Development Expenses
Year Research and Development Expenses Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

The Federal Bank Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2003 97.807.000
2004 117.086.000 16.47%
2005 148.905.000 21.37%
2006 254.831.000 41.57%
2007 303.175.000 15.95%
2008 427.701.000 29.12%
2009 0 0%
2010 102.175.000 100%
2011 566.248.000 81.96%
2012 121.891.000 -364.55%
2013 115.673.000 -5.38%
2014 154.141.000 24.96%
2015 173.052.000 10.93%
2016 194.987.000 11.25%
2017 208.577.000 6.52%
2018 223.698.000 6.76%
2019 304.304.000 26.49%
2020 279.319.000 -8.94%
2021 394.789.000 29.25%
2022 2.435.598.000 83.79%
2023 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

The Federal Bank Limited EBITDA
Year EBITDA Growth
2003 9.306.465.000
2004 8.062.819.000 -15.42%
2005 10.875.973.000 25.87%
2006 14.016.152.000 22.4%
2007 20.361.595.000 31.16%
2008 25.145.068.000 19.02%
2009 27.773.785.000 9.46%
2010 29.154.420.000 4.74%
2011 44.193.558.000 34.03%
2012 51.440.539.000 14.09%
2013 56.753.733.000 9.36%
2014 61.936.324.000 8.37%
2015 58.539.425.000 -5.8%
2016 66.433.601.000 11.88%
2017 77.701.417.000 14.5%
2018 19.939.095.000 -289.69%
2019 20.873.960.000 4.48%
2020 22.256.838.000 6.21%
2021 26.506.653.000 16.03%
2022 42.518.991.000 37.66%
2023 53.466.000.000 20.47%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

The Federal Bank Limited Gross Profit
Year Gross Profit Growth
2003 7.200.596.000
2004 7.143.548.000 -0.8%
2005 8.168.085.000 12.54%
2006 10.191.528.000 19.85%
2007 12.636.063.000 19.35%
2008 18.321.532.000 31.03%
2009 19.417.409.000 5.64%
2010 22.658.736.000 14.3%
2011 25.072.521.000 9.63%
2012 26.537.012.000 5.52%
2013 29.203.985.000 9.13%
2014 32.035.848.000 8.84%
2015 32.615.205.000 1.78%
2016 41.591.683.000 21.58%
2017 47.483.402.000 12.41%
2018 56.361.293.000 15.75%
2019 67.887.201.000 16.98%
2020 77.541.675.000 12.45%
2021 83.586.197.000 7.23%
2022 102.727.700.000 18.63%
2023 120.162.400.000 14.51%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

The Federal Bank Limited Net Profit
Year Net Profit Growth
2003 1.363.145.000
2004 901.514.000 -51.21%
2005 2.251.852.000 59.97%
2006 2.927.534.000 23.08%
2007 3.600.674.000 18.69%
2008 4.720.108.000 23.72%
2009 4.645.451.000 -1.61%
2010 5.564.666.000 16.52%
2011 7.537.276.000 26.17%
2012 8.526.562.000 11.6%
2013 8.497.493.000 -0.34%
2014 10.578.143.000 19.67%
2015 4.864.186.000 -117.47%
2016 8.668.674.000 43.89%
2017 9.354.386.000 7.33%
2018 13.162.895.000 28.93%
2019 15.801.960.000 16.7%
2020 16.643.338.000 5.06%
2021 19.697.853.000 15.51%
2022 31.647.200.000 37.76%
2023 39.764.000.000 20.41%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

The Federal Bank Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2003 2
2004 1 0%
2005 3 50%
2006 3 0%
2007 3 33.33%
2008 3 -50%
2009 3 0%
2010 3 33.33%
2011 4 25%
2012 5 0%
2013 5 0%
2014 6 33.33%
2015 3 -200%
2016 5 60%
2017 5 -25%
2018 7 33.33%
2019 8 14.29%
2020 8 12.5%
2021 10 11.11%
2022 15 40%
2023 17 11.76%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

The Federal Bank Limited Free Cashflow
Year Free Cashflow Growth
2003 3.900.888.000
2004 2.731.457.000 -42.81%
2005 -121.281.000 2352.17%
2006 4.401.692.000 102.76%
2007 -16.125.336.000 127.3%
2008 8.251.868.000 295.41%
2009 -6.167.069.000 233.81%
2010 12.103.312.000 150.95%
2011 -170.470.000 7199.97%
2012 27.019.577.000 100.63%
2013 10.740.351.000 -151.57%
2014 50.371.282.000 78.68%
2015 -17.180.225.000 393.19%
2016 33.356.393.000 151.51%
2017 -51.465.285.000 164.81%
2018 77.284.661.000 166.59%
2019 35.761.033.000 -116.11%
2020 110.484.207.000 67.63%
2021 -80.691.723.000 236.92%
2022 52.800.000 152925.23%
2023 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

The Federal Bank Limited Operating Cashflow
Year Operating Cashflow Growth
2003 4.301.329.000
2004 3.131.427.000 -37.36%
2005 88.812.000 -3425.91%
2006 4.677.582.000 98.1%
2007 -15.349.898.000 130.47%
2008 9.188.287.000 267.06%
2009 -5.552.490.000 265.48%
2010 12.685.041.000 143.77%
2011 864.956.000 -1366.55%
2012 28.607.908.000 96.98%
2013 11.966.099.000 -139.07%
2014 51.582.688.000 76.8%
2015 -15.569.357.000 431.31%
2016 34.306.642.000 145.38%
2017 -50.509.338.000 167.92%
2018 78.726.363.000 164.16%
2019 37.305.668.000 -111.03%
2020 111.783.514.000 66.63%
2021 -77.736.523.000 243.8%
2022 4.893.000.000 1688.73%
2023 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

The Federal Bank Limited Capital Expenditure
Year Capital Expenditure Growth
2003 400.441.000
2004 399.970.000 -0.12%
2005 210.093.000 -90.38%
2006 275.890.000 23.85%
2007 775.438.000 64.42%
2008 936.419.000 17.19%
2009 614.579.000 -52.37%
2010 581.729.000 -5.65%
2011 1.035.426.000 43.82%
2012 1.588.331.000 34.81%
2013 1.225.748.000 -29.58%
2014 1.211.406.000 -1.18%
2015 1.610.868.000 24.8%
2016 950.249.000 -69.52%
2017 955.947.000 0.6%
2018 1.441.702.000 33.69%
2019 1.544.635.000 6.66%
2020 1.299.307.000 -18.88%
2021 2.955.200.000 56.03%
2022 4.840.200.000 38.94%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

The Federal Bank Limited Equity
Year Equity Growth
2003 6.497.690.000
2004 7.243.515.000 10.3%
2005 12.509.699.000 42.1%
2006 15.032.110.000 16.78%
2007 39.187.140.000 61.64%
2008 42.904.098.000 8.66%
2009 46.904.485.000 8.53%
2010 50.177.008.000 6.52%
2011 55.922.941.000 10.27%
2012 62.651.148.000 10.74%
2013 68.607.078.000 8.68%
2014 77.002.729.000 10.9%
2015 80.641.254.000 4.51%
2016 89.513.694.000 9.91%
2017 122.742.340.000 27.07%
2018 135.787.138.000 9.61%
2019 150.033.224.000 9.5%
2020 167.189.609.000 10.26%
2021 195.608.494.000 14.53%
2022 224.743.800.000 12.96%
2023 271.887.400.000 17.34%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

The Federal Bank Limited Assets
Year Assets Growth
2003 151.138.074.000
2004 168.204.872.000 10.15%
2005 206.424.373.000 18.52%
2006 250.894.642.000 17.72%
2007 324.904.936.000 22.78%
2008 388.082.613.000 16.28%
2009 436.756.051.000 11.14%
2010 513.428.445.000 14.93%
2011 605.442.385.000 15.2%
2012 709.929.532.000 14.72%
2013 746.448.370.000 4.89%
2014 829.082.930.000 9.97%
2015 915.543.910.000 9.44%
2016 1.154.857.352.000 20.72%
2017 1.392.136.708.000 17.04%
2018 1.605.524.668.000 13.29%
2019 1.833.533.258.000 12.44%
2020 2.049.665.270.000 10.54%
2021 2.262.410.445.000 9.4%
2022 2.680.040.600.000 15.58%
2023 2.960.480.800.000 9.47%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

The Federal Bank Limited Liabilities
Year Liabilities Growth
2003 144.640.384.000
2004 160.961.357.000 10.14%
2005 193.914.674.000 16.99%
2006 235.862.532.000 17.78%
2007 285.717.796.000 17.45%
2008 345.178.515.000 17.23%
2009 389.851.566.000 11.46%
2010 463.251.437.000 15.84%
2011 549.519.444.000 15.7%
2012 647.278.384.000 15.1%
2013 677.841.292.000 4.51%
2014 752.080.201.000 9.87%
2015 834.902.656.000 9.92%
2016 1.065.343.658.000 21.63%
2017 1.269.394.368.000 16.07%
2018 1.469.737.530.000 13.63%
2019 1.683.500.034.000 12.7%
2020 1.882.475.661.000 10.57%
2021 2.066.801.951.000 8.92%
2022 258.619.785.000 -699.17%
2023 263.599.100.000 1.89%

The Federal Bank Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
49.72
Net Income per Share
16.07
Price to Earning Ratio
9.41x
Price To Sales Ratio
3.24x
POCF Ratio
30386.04
PFCF Ratio
32345.03
Price to Book Ratio
1.29
EV to Sales
3.71
EV Over EBITDA
8.55
EV to Operating CashFlow
37133.36
EV to FreeCashFlow
37133.36
Earnings Yield
0.11
FreeCashFlow Yield
0
Market Cap
367,57 Bil.
Enterprise Value
421,98 Bil.
Graham Number
205.9
Graham NetNet
-23.81

Income Statement Metrics

Net Income per Share
16.07
Income Quality
0
ROE
0.16
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
0.74
EBT Per Ebit
1.01
Ebit per Revenue
0.44
Effective Tax Rate
0.26

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.44
Pretax Profit Margin
0.44
Net Profit Margin
0.32

Dividends

Dividend Yield
0.01
Dividend Yield %
0.66
Payout Ratio
0
Dividend Per Share
1

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.07
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
91,54
Book Value per Share
117,28
Tangible Book Value per Share
1180.11
Shareholders Equity per Share
117.28
Interest Debt per Share
169.26
Debt to Equity
0.98
Debt to Assets
0.09
Net Debt to EBITDA
1.1
Current Ratio
0
Tangible Asset Value
2.696,88 Bil.
Net Current Asset Value
-54,41 Bil.
Invested Capital
0.98
Working Capital
209,18 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.72

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

The Federal Bank Limited Dividends
Year Dividends Growth
1996 3
1997 3 0%
1998 3 33.33%
1999 1 0%
2000 2 100%
2001 2 0%
2002 3 50%
2003 3 33.33%
2004 5 40%
2005 2 -400%
2006 3 50%
2007 3 33.33%
2008 4 25%
2009 5 20%
2010 5 0%
2011 9 37.5%
2012 9 11.11%
2013 9 0%
2014 2 -350%
2015 2 0%
2016 1 0%
2017 1 0%
2018 1 100%
2019 1 0%
2021 1 0%
2022 2 100%
2023 1 0%

The Federal Bank Limited Profile

About The Federal Bank Limited

The Federal Bank Limited provides a range of banking and financial services in India. It operates through four segments: Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. The company's deposit products include savings accounts, current accounts, noor personal accounts, demat accounts, salary accounts, fixed deposits, cash certificates, recurring deposits, exchange earners' foreign currency accounts, gilt accounts, and NRI deposit schemes. Its loan portfolio comprises personal, gold, housing, car, property, educational and career, instant digital, SME business, agri and agri allied, and other loans; loans against sovereign gold bonds and fixed deposit; term loans, project finance, and working capital loans; and debit and credit cards. The company also provides life, health, and general insurance products; cash management, wealth management, and merchant banking services; mutual funds, sovereign gold bonds, online trading, and national pension system; treasury products; and remittance, fund transfer, payment and collection, bill discounting, bank guarantees, letter of credit, packing credit limit, trade finance, LC bill discounting, internet banking, mobile banking, ATM, and tele banking services. As of March 31, 2022, The Federal Bank Limited operated 1,282 branches and 1,885 ATMs/recyclers. The company was formerly known as Travancore Federal Bank Limited and changed its name to The Federal Bank Limited in March 1947. The Federal Bank Limited was incorporated in 1931 and is based in Aluva, India.

CEO
Mr. Shyam Srinivasan B.E, P.G
Employee
12.914
Address
Federal Towers
Aluva, 683101

The Federal Bank Limited Executives & BODs

The Federal Bank Limited Executives & BODs
# Name Age
1 Mr. Ajith Kumar K. K.
Chief Human Resources Officer
70
2 Mr. Harsh Dugar
Executive Director
70
3 Mr. Ashutosh Khajuria B.Sc., CAIIB, DTIRM, LLB, MA
Chief Mentor
70
4 Mr. M V S Murthy
Chief Marketing Officer
70
5 Mr. Sunil K. N. Kumar
Executive Vice President, Chief Legal & Compliance Officer
70
6 Biju K.
Senior Vice President & Chief Vigilance Officer
70
7 Mr. Pitchai Mahalingam
Executive Vice President & Internal Auditor
70
8 Mr. Venkatraman Venkateswaran
Group President & Chief Financial Officer
70
9 Ms. Shalini Warrier B.Com, CA
Chief Operating Officer, Business Head of Retail Banking Products & Additional Executive Director
70
10 Mr. Shyam Srinivasan B.E, P.G.D.M
MD, Chief Executive Officer & Director
70

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