ScoreWhy is Federal Bank Ltd ?
1
Flat results in Dec 24
- PBT LESS OI(Q) At Rs 360.96 cr has Fallen at -25.35 %
- PAT(Q) At Rs 955.44 cr has Fallen at -5.1 %
- NON-OPERATING INCOME(Q) is 71.74 % of Profit Before Tax (PBT)
2
Stock is technically in a Mildly Bearish range
- The stocks Bollinger Band and KST technical factors are also Bearish
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Bank - Private)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Federal Bank for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Federal Bank
19.43%
0.73
26.65%
SENSEX
0.45%
0.03
14.48%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
15.81%
Net Profit Growth (5y)
19.33%
Advance to Deposit
81.53%
Capital Adequacy Ratio (Tier 1)
13.18%
Gross NPA (latest)
1.95%
Gross NPA (avg)
2.49%
Coverage Ratio (avg)
72.51%
Cost to Income (avg)
52.00%
Net Interest Margin (avg)
3.22%
Operating Profit to Assets (avg)
4.09%
ROA (avg)
1.01%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Price to Book Value
1.48
PEG Ratio
2.52
Dividend Yield
0.63%
ROE (Latest)
12.49%
ROA (Latest)
1.26%
Net NPA to Book Value
3.60
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend13What is working for the Company
GROSS NPA(Q)
Lowest at 1.95%
NII(Q)
Highest at Rs 2,431.34 cr
INTEREST EARNED(Q)
Highest at Rs 6,808.73 cr
CASH AND CASH EQUIVALENTS(HY)
Highest at Rs 16,948.45 cr
PBDIT(Q)
Highest at Rs 653.29 cr.
NET NPA(Q)
Lowest at 0.49 %
-8What is not working for the Company
PBT LESS OI(Q)
At Rs 360.96 cr has Fallen at -25.35 %
PAT(Q)
At Rs 955.44 cr has Fallen at -5.1 %
NON-OPERATING INCOME(Q)
is 71.74 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Federal Bank
Gross NPA - Quarterly
Lowest at 1.95% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Net Interest Income (Quarterly)
Highest at Rs 2,431.34 cr and Grown
each quarter in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 6,808.73 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 653.29 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Net NPA - Quarterly
Lowest at 0.49 %
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Cash and Cash Equivalents - Half Yearly
Highest at Rs 16,948.45 cr
in the last six half yearly periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for Federal Bank
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 360.96 cr has Fallen at -25.35 %
Year on Year (YoY)MOJO Watch
Near term PBT trend is very negative
PBT less Other Income (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
Lowest at Rs 360.96 cr.
in the last five quartersMOJO Watch
Near term PBT trend is negative
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 955.44 cr has Fallen at -5.1 %
Year on Year (YoY)MOJO Watch
Near term PAT trend is negative
PAT (Rs Cr)
Non Operating Income - Quarterly
is 71.74 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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