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IDFC First Bank Ltd logo

IDFC First Bank Ltd

NSE: IDFCFIRSTB BSE: 539437

81.54

(-0.74%)

Sat, 14 Feb 2026, 10:25 am

IDFC First Bank Analysis

dividend

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Pros

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    Cons

    • Unable to calculate sustainability of dividends as IDFC First Bank has not reported any payouts.
    • No need to calculate the sustainability of IDFC First Bank's dividends in 3 years as they are not expected to pay a notable one for India.
    • Unable to evaluate IDFC First Bank's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
    • Unable to evaluate IDFC First Bank's dividend against the top 25% market benchmark as the company has not reported any payouts.

    future

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    Pros

    • IDFC First Bank's earnings are expected to grow significantly at over 20% yearly.
    • IDFC First Bank's earnings growth is expected to exceed the India market average.
    • IDFC First Bank's earnings growth is expected to exceed the low risk savings rate of 7.2%.
    • IDFC First Bank's earnings are expected to exceed the low risk growth rate next year.
    • IDFC First Bank is expected to become profitable in 2 years.
    • Performance (ROE) is expected to be above the current IN Banks industry average.
    • An improvement in IDFC First Bank's performance (ROE) is expected over the next 3 years.
    • IDFC First Bank's revenue is expected to increase by more than 50% in 2 years time.
    • IDFC First Bank's revenue is expected to grow significantly at over 20% yearly.
    • IDFC First Bank's revenue growth is expected to exceed the India market average.
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    Cons

    • IDFC First Bank is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).

    health

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    Pros

    • IDFC First Bank's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
    • IDFC First Bank has an acceptable proportion of non-loan assets held.
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    Cons

    • IDFC First Bank has a low allowance for bad loans.
    • IDFC First Bank's liabilities are made up of primarily higher risk sources of funding.
    • IDFC First Bank has advanced significantly more loans than the customer deposits it holds (i.e. bank has borrowed additional funds to lend).
    • IDFC First Bank has a high level of bad loans (greater than 2%).

    management

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    Pros

    • V.'s remuneration is lower than average for companies of similar size in India.
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    Cons

    • The average tenure for the IDFC First Bank board of directors is less than 3 years, this suggests a new board.
    • IDFC First Bank individual insiders have only sold shares in the past 3 months.
    • The average tenure for the IDFC First Bank management team is less than 2 years, this suggests a new team.

    misc

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    Pros

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      Cons

      • IDFC First Bank is covered by less than 3 analysts.
      • IDFC First Bank has significant price volatility in the past 3 months.

      past

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      Pros

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        Cons

        • Unable to compare IDFC First Bank's 1-year earnings growth to the 5-year average as it is not currently profitable.
        • IDFC First Bank does not make a profit and their year on year earnings growth rate was negative over the past 5 years.
        • It is difficult to establish if IDFC First Bank has efficiently used its assets last year compared to the IN Banks industry average (Return on Assets) as it is loss-making.
        • It is difficult to establish if IDFC First Bank improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.
        • It is difficult to establish if IDFC First Bank has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.
        • Unable to compare IDFC First Bank's 1-year growth to the IN Banks industry average as it is not currently profitable.

        value

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        Pros

        • NSEI:IDFCFIRSTB is up 19.4% outperforming the Banks industry which returned 7.6% over the past month.
        • NSEI:IDFCFIRSTB is up 19.4% outperforming the market in India which returned 8% over the past month.
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        Cons

        • IDFC First Bank is overvalued based on assets compared to the IN Banks industry average.
        • IDFC First Bank is loss making, we can't compare its value to the IN Banks industry average.
        • IDFC First Bank is loss making, we can't compare the value of its earnings to the India market.
        • IDFCFIRSTB underperformed the Banks industry which returned -37.5% over the past year.
        • IDFCFIRSTB underperformed the Market in India which returned -14.5% over the past year.

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