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Federal Bank Ltd

NSE: FEDERALBNK BSE: 500469

288.30

(0.42%)

Sat, 14 Feb 2026, 02:06 am

Federal Bank Analysis

dividend

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Pros

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    Cons

    • Unable to calculate sustainability of dividends as Federal Bank has not reported any payouts.
    • Unable to evaluate Federal Bank's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
    • Unable to evaluate Federal Bank's dividend against the top 25% market benchmark as the company has not reported any payouts.

    health

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    Pros

    • Federal Bank's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).
    • Federal Bank's liabilities are made up of primarily low risk sources of funding.
    • Federal Bank has an acceptable proportion of non-loan assets held.
    • Loans at Federal Bank are broadly funded by customer deposits.
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    Cons

    • Federal Bank has a high level of bad loans (greater than 2%).

    management

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    Pros

    • Shyam's compensation has been consistent with company performance over the past year, both up more than 20%.
    • The tenure for the Federal Bank management team is about average.
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    Cons

    • The average tenure for the Federal Bank board of directors is less than 3 years, this suggests a new board.
    • Shyam's remuneration is higher than average for companies of similar size in India.
    • Federal Bank individual insiders have only sold shares in the past 3 months.

    misc

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    Pros

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      Cons

      • Federal Bank is not covered by any analysts.
      • Federal Bank has significant price volatility in the past 3 months.

      past

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      Pros

      • Federal Bank's 1-year earnings growth exceeds its 5-year average (19.9% vs 15.1%)
      • Federal Bank's year on year earnings growth rate has been positive over the past 5 years.
      • Federal Bank used its assets more efficiently than the IN Banks industry average last year based on Return on Assets.
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      Cons

      • Federal Bank has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
      • Federal Bank's earnings growth has not exceeded the IN Banks industry average in the past year (19.9% vs 21%).

      value

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      Pros

      • Federal Bank is good value based on earnings compared to the IN Banks industry average.
      • Federal Bank is good value based on earnings compared to the India market.
      • BSE:500469 is up 6.7% along with the Banks industry (7.6%) over the past month.
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      Cons

      • Federal Bank's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
      • Federal Bank's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
      • Federal Bank is overvalued based on assets compared to the IN Banks industry average.
      • 500469 underperformed the Banks industry which returned -37.5% over the past year.
      • 500469 underperformed the Market in India which returned -14.5% over the past year.
      • BSE:500469 is up 6.7% underperforming the market in India which returned 8% over the past month.

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      Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800