Federal Bank Ltd
Ticker: FEDERALBNK
Decent
68/100
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Investing Reference
Price
191.82
Market Cap
47173.95
Debt/Equity
0.0000
ROE %
12.531
PB
1.3306
Promoter %
0.000
Pledge %
0.000
1Y Rev Growth %
19.596
5Y Rev Growth %
15.665
NP Margin %
12.984
NP Margin 5Y Avg %
13.052
Trading Reference
1M Return %
-0.877
6M Return %
-0.255
1Y Return %
-0.389
% Away 52W High
14.691
% Away 52W Low
11.097
Daily Volume
3860755
Investment Verdict
Buy
Score 77/100 · Position size: 40%
Long-term fundamentals are strong. Suitable for investors with a 1–3+ year horizon.
Trading Verdict
Avoid
Score 19/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
Federal Bank Ltd is likely to experience moderate upside potential in the medium-term, supported by recent price action holding above key support levels and positive volume trends. Resistance levels may pose challenges, but if broken, could lead to further gains.
Upside Probability: 15% | Downside Probability: 10%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Federal Bank Ltd is a leading private sector bank in India, offering a wide range of financial services to individuals and businesses. With a strong focus on customer-centric solutions, it caters to retail, corporate, and SME clients. The bank's robust digital banking platform enhances convenience, making banking accessible anytime, anywhere. Federal Bank is committed to sustainable growth and innovation, ensuring a trustworthy banking experience for its customers. Its strong financial performance and dedicated service make it a reliable choice for your banking needs.
- Established private sector bank in India
- Comprehensive financial services for all segments
- Strong digital banking capabilities
- Focus on customer satisfaction and innovation
- Consistent financial performance and growth
Investment Thesis
Federal Bank Ltd presents a compelling investment opportunity due to its strong promoter credibility, robust growth in digital services, and attractive valuation compared to peers. These factors position the bank for sustained growth and profitability in the evolving financial landscape.
- Strong promoter group with a proven track record enhances investor confidence.
- Significant growth in digital banking services, tapping into the tech-savvy customer base.
- Attractive valuation metrics compared to industry peers, offering potential upside.
- Resilient asset quality and prudent risk management strategies.
- Focus on expanding retail and SME lending segments for future growth.
Opportunity vs Risk
Opportunities
- Strong retail banking growth
- Expanding digital services
- Rising loan demand
- Improving asset quality
- Strategic partnerships in fintech
Risks ⚠️
- Regulatory changes impact
- High competition in banking
- Economic slowdown effects
- Rising NPAs concerns
- Interest rate fluctuations
Peer Perspective
Federal Bank Ltd trades at a discount to peers like HDFC Bank and ICICI Bank, primarily due to lower growth rates. A sustained improvement in asset quality and margin stability could trigger a rerating.
Future Outlook
Federal Bank Ltd has strong growth potential driven by its expanding retail portfolio, provided it maintains effective cost control and executes its strategic initiatives successfully to enhance profitability and shareholder value.
AI FAQs for Retail Users
- Q: What does Federal Bank Ltd do?A: Federal Bank Ltd is a private sector bank offering various financial services including loans, deposits, and investment products.
- Q: Is Federal Bank Ltd a good investment?A: Investing in Federal Bank Ltd depends on your financial goals and risk tolerance. Research thoroughly before making decisions.
- Q: What are the recent financial results of Federal Bank Ltd?A: You can find the latest financial results on the bank's official website or through financial news platforms.
- Q: How can I buy shares of Federal Bank Ltd?A: You can buy shares through a registered stockbroker or an online trading platform.
- Q: What are the risks associated with investing in Federal Bank Ltd?A: Risks include market volatility, regulatory changes, and bank-specific factors. Always consider these before investing.
📊 Stock Investment Checklist (100 Points)
Federal Bank Ltd • Updated: 2025-09-17 06:39:36
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10BusinessHighThe banking sector is evolving with digital transformation, but Federal Bank faces stiff competition.
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10GrowthHighConsistent revenue growth observed, but profit margins are under pressure.
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10ProfitabilityHighROE and ROCE are decent, but OCF is fluctuating.
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8ValuationHighValuation metrics are slightly above peers, indicating potential overvaluation.
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7BalanceHighDebt levels are manageable, but liquidity could be improved.
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6GovernanceGoodPromoter holding is stable, but there are concerns regarding pledging.
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5DriversGoodGrowth drivers exist, but execution risks are significant.
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5TechnicalsGoodMarket sentiment is neutral with low liquidity.
Final Score & Verdict
Score 68 / 100
• Decent
Federal Bank Ltd shows decent potential but faces challenges in profitability and valuation metrics.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 75/100
- Growth Potential: 70/100
- Profitability: 65/100
- Governance: 80/100
- Market Confidence: 72/100