IDFC First Bank Limited

IDFCFIRSTB · NSE

— · —

₹79.46

Closing price — 29 Sept 2026

Market cap ₹38,219 Cr · EPS ₹1.94

Valuation

Blended fair value using DCF and peer comparison methods.

See if IDFC First Bank Limited is undervalued

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DCF not applicable for financial companies. Intrinsic value based on peer P/B comparison.

The intrinsic value shown is an algorithmic estimate based on publicly available financial data — including DCF analysis, peer comparison, and historical financials. It is not a research report, investment advice, or a recommendation to buy, sell, or hold any security. Stock valuations involve uncertainty and may differ significantly from market prices. Please consult a SEBI-registered investment adviser before making any investment decision.

Peer comparison

How this company stacks up against sector peers on valuation and quality metrics.

Private sector bank · 8 peers · sector medians shown

Better than medianWorse than median

Company	Mkt Cap	P/E	P/B	EV/EBITDA	ROE	Net Margin	Rev CAGR 3y
IDFC First Bank Limited IDFCFIRSTB · you	₹38,744 Cr	41.6×	1.5×	—	3.4%	—	—
Sector median	—	24.1×	1.6×	—	8.9%	—	—
Federal Bank FEDERALBNK	₹68,643 Cr	17.2×	1.9×	—	10.8%	—	—
AU Small Finance Bank AUBANK	₹65,509 Cr	31.4×	4.1×	—	13.2%	—	—
IndusInd Bank INDUSINDBK	₹59,908 Cr	79.2×	1.1×	—	1.4%	—	—
Yes Bank YESBANK	₹27,737 Cr	20.9×	1.4×	—	6.9%	—	—
Karur Vysya Bank KARURVYSYA	₹27,656 Cr	12.9×	2.3×	—	17.8%	—	—
Bandhan Bank BANDHANBNK	₹27,092 Cr	27.3×	1.3×	—	4.8%	—	—
RBL Bank RBLBANK	₹19,432 Cr	27.5×	1.4×	—	5.3%	—	—
City Union Bank CUB	₹16,386 Cr	15.7×	2.0×	—	12.6%	—	—

Peer comparison verdict

IDFC trades at a premium to sector peers on P/E (41.0× vs median 24.1×). The market is pricing in higher growth — worth verifying whether recent revenue trends support that expectation.

Business quality

Valuation

P/E ratio

41.0×

P/B ratio

—

EV/EBITDA

—

Price/Sales

—

Returns

ROE

3.4%

ROCE

—

ROA

—

Growth

Revenue CAGR (3yr)

—

EPS CAGR (3yr)

—

Efficiency

Asset turnover

—

FCF yield

15.8%

Dividend yield

0.3%

Liquidity & Solvency

Debt / Equity

0.77×

Debt / EBITDA

—

Interest coverage

—

Current ratio

—

Quick ratio

—

Financial health

Piotroski F-Score, Altman Z-Score, and key solvency ratios.

Financial health data is not yet available for this company.

Full financial data

Charts and annual statements for income, balance sheet and cash flow.

Income trend

Revenue, profit and margin trends over time.

Income statement data is unavailable for this company.

Cash flow

Where cash comes from and where it goes.

Cash flow data is not yet available for this company.

Balance sheet

Assets show what the company owns. Liabilities show what it owes. Equity is what's left for shareholders.

Balance sheet data is not yet available for this company.

Numbers are illustrative — order-of-magnitude correct. For precise figures, refer to the company's annual report on BSE/NSE.

Shareholding pattern

Who owns this company and how that has changed.

What shareholding tells you: When promoters (founders/controlling shareholders) increase their stake, it usually signals confidence in the business. Rising FII (foreign funds) interest means international money is moving in. High promoter pledge is a risk — pledged shares can be force-sold if the stock price falls sharply.

Latest quarter

Promoter

0.0%

FII

36.1%

-0.4 pp QoQ

DII

32.1%

+1.6 pp QoQ

Retail

31.7%

Trend over time (%)

Quarterly data

Category	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Change (YoY)
Promoter	39.4%	37.5%	37.4%	37.4%	35.4%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0 ppYoY
FII (Foreign)	24.5%	24.3%	23.6%	21.0%	19.6%	27.1%	25.7%	23.8%	24.6%	36.8%	36.5%	36.1%	+12.3 ppYoY
DII (Domestic)	9.5%	10.3%	10.5%	11.6%	15.2%	25.3%	28.5%	32.5%	33.5%	30.2%	30.5%	32.1%	-0.4 ppYoY
Retail	26.7%	27.9%	28.4%	29.9%	29.8%	47.6%	45.9%	43.6%	41.9%	33.0%	32.9%	31.7%	-11.9 ppYoY

Signals from the trend

📉

PromoterDown 39.4pp — worth monitoring for further declines

📈

FIINet buyers (+11.6pp) — foreign institutional interest is growing

📈

DIINet buyers (+22.6pp) — domestic funds are accumulating

Mixed signals — FII buying and DII buying on the positive side, but promoter selling adds uncertainty.

pp = percentage points. FII = Foreign Institutional Investors. DII = Domestic Institutional Investors (MFs, insurance). Data sourced from NSE/BSE filings. Verify on BSE/NSE before any investment decision.