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IDFCFIRSTB — IDFC FIRST BANK LIMITED

Structural concernsWeak profitability

Price History

Data as of 26 Jun 2026· via fincrux

How IDFCFIRSTB has traded over time.

Is the price reasonable right now?

Where today's price sits within its own 12-month range — context, not advice.

Upper end of its 12-month range75% of range

Trading about 35% above its 12-month low and near recent highs — historically pricier territory for this stock. It sits above its 200-day average, the longer-term trend.

₹59 low₹86 high
vs 50-day avg
+10.8%
vs 200-day avg
+5.4%
Beginner mode
Plain English, with everything explained

IDFCFIRSTB

NSE

IDFC FIRST BANK LIMITED

Financials / Banking

₹79.22
0.00%
last close
0%
Quality Score
A mixed pictureBig money steady

IDFC FIRST BANK LIMITED passes 2 of 3 checks. There's something to like here, but also a few things to be careful about. Read the four checks below before forming a view.

Company size
₹67769.00 Cr
Price tag
41.4×
Money it earns
6.0%

The four quality checks

Every company faces the same four checks. Tap the ? on any term to learn what it means.

01

Is the company drowning in loans?

Banks and lenders borrow money as their actual business, so we judge them on a relaxed scale built for financials.

Aligned

The company keeps its borrowing under control. That's a sign of a sturdy balance sheet.

D/E 0.78goal < 1.5
02

Does it make good money, consistently?

We look at how much profit the company squeezes out of its owners' money, averaged over three years — not just one lucky quarter.

Divergent

Profits relative to the money invested are on the weaker side over the last few years.

ROE 6.0%goal > 15% (3y avg)
03

Is the big, smart money buying in?

Large professional investors (global funds and Indian mutual funds) do deep research before buying. We track whether they've been adding or trimming their stake.

Aligned

Professional investors have been holding steady or buying more — a quiet vote of confidence.

FII+DII 59.3%goal stable or rising (2Q)
04

Is the price reasonable right now?

Even a great company can be a bad buy if it's overpriced. We compare today's price tag to how this company has typically been priced over the past five years.

No data

We don't have enough reliable data to run this check yet, so we're leaving it open rather than guessing.

Data unavailablegoal P/E < 5y median

What we noticed

Observations from the data — not recommendations.

  • IDFC First Bank is engaged in the business of Banking Services. IDFC FIRST Bank was founded by the merger of Erstwhile IDFC Bank and Erstwhile Capital First on December 18, 2018.
Data as of 26 Jun 2026· via fincrux

StockVault is an educational research and mathematical-modeling sandbox. It presents structural readings derived from public data and does not provide investment advice, recommendations, or target prices. Figures shown are illustrative and delayed. Markets carry risk; decisions are your own.

Balance Sheet

What IDFCFIRSTB owns and owes over the years. Tap the ? on any line to learn what it means.

Line itemFigures in ₹ crore
ItemMar '22Mar '23Mar '24Mar '25Mar '26
Borrowings52,96357,21250,93638,97536,621
Equity Capital6,2186,6187,0707,3228,602
Reserves14,78619,10325,09130,75638,462
Total Assets1.90L2.40L2.96L3.44L4.00L
Total Liabilities1.90L2.40L2.96L3.44L4.00L

Loan book steady

Borrowings have stayed broadly steady over the retained years. For a financial company that reflects a stable funding base.

This is a financial company. Banks and lenders borrow money as their core business, so high borrowings here are normal and not a red flag on their own.

Periodic Performance

Yearly net profit for IDFCFIRSTB — does it earn money consistently?

Consistently profitable

Every one of the last 5 years has been profitable — a sign of durable earnings.

₹145 Cr
₹2,437 Cr
₹2,957 Cr
₹1,525 Cr
₹1,636 Cr
Mar '22Mar '23Mar '24Mar '25Mar '26
rev ₹17,173 Crrev ₹22,728 Crrev ₹30,322 Crrev ₹36,501 Crrev ₹40,549 Cr
Net profit · annualProfitLoss

Strengths & Risks

What the numbers say is good and bad about IDFCFIRSTB — observations, not recommendations.

Strengths

3
  • Borrowing is well within the relaxed range we use for financial companies.
  • Large professional investors have been holding steady or adding to their stake.
  • Profitable in every one of the last 5 years.

Risks

2
  • Profit generated from the money invested has been on the weaker side.
  • Sits near the top of its 12-month range — historically pricier territory for this stock.

Institutional Ownership Trend

FII and DII holding across the last four quarters.

FII· Foreign institutions
36.5%+12.7 pp
DII· Domestic institutions
22.7%-0.7 pp
Jun '25Sep '25Dec '25Mar '26

Sector Peers

How others in Financials / Banking score on the same four guardrails.

  • SBINSTATE BANK OF INDIA100
  • AXISBANKAXIS BANK LIMITED100
  • BANKBARODABANK OF BARODA100
  • CANBKCANARA BANK100
  • UNIONBANKUNION BANK OF INDIA100
View the full sector