ScoreWhy is IDFC First Bank Ltd. ?
1
Negative results in Dec 24
- PBT LESS OI(Q) At Rs -1,358.83 cr has Fallen at -53.6% (vs previous 4Q average)
- PAT(Q) At Rs 339.43 cr has Fallen at -41.5% (vs previous 4Q average)
- CREDIT DEPOSIT RATIO(HY) Lowest at 94.19%
2
Stock is technically in a Mildly Bearish range
- The stocks MACD and KST technical factors are also Bearish
3
Underperformed the market in the last 1 year
- Even though the market (BSE 500) generated negative returns of -1.03% in the last 1 year, its fall in the stock was much higher with a return of -29.17%
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 IDFC First Bank for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
IDFC First Bank
-28.95%
-1.02
28.57%
SENSEX
0.45%
0.03
14.48%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
30.78%
Net Profit Growth (5y)
21.21%
Advance to Deposit
107.05%
Capital Adequacy Ratio (Tier 1)
13.74%
Gross NPA (latest)
1.94%
Gross NPA (avg)
2.45%
Coverage Ratio (avg)
67.73%
Cost to Income (avg)
72.63%
Net Interest Margin (avg)
6.18%
Operating Profit to Assets (avg)
7.79%
ROA (avg)
0.57%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
22
Price to Book Value
1.15
PEG Ratio
NA
Dividend Yield
NA
ROE (Latest)
5.16%
ROA (Latest)
0.61%
Net NPA to Book Value
3.08
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
NII(Q)
Highest at Rs 4,902.06 cr
INTEREST EARNED(Latest six months)
At Rs 18,299.95 cr has Grown at 20.11%
-18What is not working for the Company
PBT LESS OI(Q)
At Rs -1,358.83 cr has Fallen at -53.6% (vs previous 4Q average
PAT(Q)
At Rs 339.43 cr has Fallen at -41.5% (vs previous 4Q average
CREDIT DEPOSIT RATIO(HY)
Lowest at 94.19%
PBDIT(Q)
Lowest at Rs -20.91 cr.
OPERATING PROFIT TO NET SALES (Q)
Lowest at -0.22%
NON-OPERATING INCOME(Q)
is 422.75 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for IDFC First Bank
Net Interest Income (Quarterly)
Highest at Rs 4,902.06 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 9,343.02 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Here's what is not working for IDFC First Bank
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs -1,358.83 cr has Fallen at -53.6% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs -884.45 CrMOJO Watch
Near term PBT trend is very negative
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 339.43 cr has Fallen at -41.5% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 580.34 CrMOJO Watch
Near term PAT trend is very negative
PAT (Rs Cr)
Credit Deposit Ratio - Half Yearly
Lowest at 94.19% and Fallen
in the last four periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
Operating Profit (PBDIT) - Quarterly
Lowest at Rs -20.91 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Lowest at -0.22%
in the last five quartersMOJO Watch
Company's efficiency has deteriorated
Operating Profit to Sales
Non Operating Income - Quarterly
is 422.75 % 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
Non Operating Income - Quarterly
Highest at Rs 1,779.85 cr
in the last five quartersMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating Income
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