Don’t Trade in the Dark—Get Your Pre-Market Report Every Day.Join Now
Banking And Finance | Small Cap
Health Score : 6.83Fedbank Financial Services Ltd demonstrates a mixed financial performance. The company excels in growth and profitability, driven by strong revenue and net income growth, alongside healthy gross profit and operating margins. Efficiency, particularly in fixed asset and receivables turnover, is also a strength. However, the company faces challenges in solvency and coverage, indicated by high debt levels and low-interest coverage. Liquidity is a concern, primarily due to negative operating cash flow ratios. Financial ratios such as adjusted EPS and book value per share also need improvement. While the company shows robust growth and profitability, it must address its debt and liquidity issues to ensure sustainable financial health. Focusing on better cash flow management and reducing debt could stabilize its financial position and improve investor confidence.
Health Score : 6.83Fedbank Financial Services Ltd demonstrates a mixed financial performance. The company excels in growth and profitability, driven by strong revenue and net income growth, alongside healthy gross profit and operating margins. Efficiency, particularly in fixed asset and receivables turnover, is also a strength. However, the company faces challenges in solvency and coverage, indicated by high debt levels and low-interest coverage. Liquidity is a concern, primarily due to negative operating cash flow ratios. Financial ratios such as adjusted EPS and book value per share also need improvement. While the company shows robust growth and profitability, it must address its debt and liquidity issues to ensure sustainable financial health. Focusing on better cash flow management and reducing debt could stabilize its financial position and improve investor confidence.
Overall Valuation Score
Markets Depth NSE
Buy Orders
Bid
Quantity
Orders
No buy depth
Total
0
0
Sell Orders
Ask
Quantity
Orders
No sell depth
Total
0
0
Markets Today NSE
High
0.00
Low
0.00
Open
0.00
Close
0.00
Prev Close
0.00
Avg Price
0.00
Volume
0
Last Traded Quantity
0
Last Traded Time
N/A
Price Movement Indicator
Today's Low: 0.00
Today's High: 0.00
P/E RATIO (TTM)
17.02
Industry Median
20.55
Small Cap Median
13.12
P/E RATIO
17.02
P/B RATIO
2.00
Industry Median
1.24
Small Cap Median
0.95
P/S RATIO
2.79
Industry Median
4.30
Small Cap Median
3.07
Others
PEG RATIO
0.00
EV/EBITDA RATIO
13.26
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹156.21 as on Sep 1, 2026.
Growth Score : 10.00The growth ratios demonstrate strong performance across all key metrics. High revenue, operating profit, EPS, asset, and net income growth rates indicate robust expansion and profitability. This reflects successful business strategies and effective execution. Maintaining these growth rates will be crucial for sustaining long-term financial success. This ratio has been calculated using a weighted average of the last five years, with the most recent year weighted most heavily.
Revenue Growth RateExcellentOperating Profit Growth RateExcellentEarnings Per Share (EPS) GrowthExcellentAsset Growth RateExcellentNet Income Growth RateExcellent| Growth Ratios | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue Growth Rate | 25.58 | 35.79 | 33.64 | 29.17 | 9.18 |
| Operating Profit Growth Rate | 63.64 | 64.2 | 20.3 | -3.12 | 65.16 |
| Earnings Per Share (EPS) Growth | 51.17 | 73.91 | 18.21 | -8.76 | 51.99 |
| Asset Growth Rate | 19.94 | 38.36 | 22.79 | 18.96 | 27.36 |
| Net Income Growth Rate | 66.13 | 74.76 | 36.11 | -8.16 | 52.89 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
| NO | Company Name | Health Score | P/E Ratio | Valuation | OPM | EPS | Latest Profit & Loss |
|---|---|---|---|---|---|---|---|
| 1 | MAS Financial Services Ltd | 9.04 | 14.88 | Overvalued | 510.00 | 20.04 | 376.00 |
| 2 | Paisalo Digital Ltd | 8.59 | 25.70 | Highly Overvalued | 331.00 | 2.58 | 237.00 |
| 3 | Northern Arc Capital Ltd | 8.36 | 11.92 | Neutral | 544.00 | 26.55 | 404.00 |
| 4 | Fedbank Financial Services Ltd | 6.83 | 17.02 | Neutral | 512.00 | 9.17 | 344.00 |
| 5 | Nalwa Sons Investments Ltd | 6.75 | 53.67 | Neutral | 76.00 | 90.24 | 57.00 |
| 6 | Indostar Capital Finance Ltd | 5.57 | 29.01 | Neutral | -848.00 | 8.06 | 140.00 |
0 Credits RemainingUnlock Deep Technical Insights in Seconds Only with Dhanarthi AI
Overall Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Market Sentiment
Analysis Driven By 26 Technical Indicators From The 1 Hour Timeframe
Trend Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Momentum Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bearish
Volatility Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bullish
Volume Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Analyzing moving average trends and crossovers. Green/Red badges indicate if the current condition passes or fails.
Comparing stock price performance (normalized) against benchmark indices over time.
Recent daily trading volume represented as a bar chart, alongside historical averages.
Current closing price relative to the 52-week highest and lowest prices.
Concall Report⬤5th May 26
Q4 & FY26 Earnings Conference Call
BULLISH SENTIMENT
Quarterly Report⬤28th Apr 26
Audited Financial Results for the Quarter and Year Ended March 31, 2026
UNDEFINED SENTIMENT
No Stock News Available at This Moment.
Fedbank Financial Services Ltd. (FedFina) is a retail-focused NBFC promoted by The Federal Bank Ltd. It primarily offers gold loans, home loans (Loan Against Property - LAP), and small ticket business loans to self-employed and salaried individuals. Positioned in the affordable housing and MSME segments, it aims for deep penetration through a branch-led distribution model.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. Fedbank Financial Services Ltd's P/E ratio (TTM) is 17.02, compared to the industry median of 20.55 and large cap median of 13.12.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. Fedbank Financial Services Ltd's P/B ratio is 2.00, compared to the industry median of 1.24 and large cap median of 0.95.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. Fedbank Financial Services Ltd's P/S ratio is 2.79, compared to the industry median of 4.30 and large cap median of 3.07.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. Fedbank Financial Services Ltd's PEG ratio is 1.48.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. Fedbank Financial Services Ltd's EV/EBITDA ratio is 13.26.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. Fedbank Financial Services Ltd's ROE is 11.76%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. Fedbank Financial Services Ltd's ROA is 3.03%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. Fedbank Financial Services Ltd's ROCE is 45.80%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. Fedbank Financial Services Ltd's operating margin is 23.02%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. Fedbank Financial Services Ltd's net margin is 15.47%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. Fedbank Financial Services Ltd's current ratio is 59.31.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. Fedbank Financial Services Ltd's debt-to-equity ratio is 0.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. Fedbank Financial Services Ltd's interest coverage ratio is 1.52.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. Fedbank Financial Services Ltd's DPS is ₹0.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. Fedbank Financial Services Ltd's EPS is 51.99.
(Source line: "Ratios as of 28 Sept 2026, based on last traded price of ₹156.21. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Founded: 1995
Headquarters: Mumbai, Maharashtra
Core Offerings: Gold Loans, Loan Against Property (LAP), Business Loans, Home Loans
Stock Listing: NSE (FEDFINA), BSE (544027)
Promoter: The Federal Bank Limited
1995: Incorporated as Fedbank Financial Services Limited. 2010: Commenced gold loan operations. 2014: Diversified into lending against property (LAP) and business loans. 2023: Successfully completed its Initial Public Offering (IPO) and listed on NSE and BSE. Present: Focused on expanding its retail loan portfolio, leveraging its promoter's brand and extensive distribution network across India.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Gold Loans | Approx. 40% (of AUM) | Operating Profit |
| Loan Against Property (LAP) | Approx. 40% (of AUM) | Operating Profit |
| Unsecured Business & Home Loans | Approx. 20% (of AUM) | Operating Profit |
Gold Loans: Provides loans against the collateral of gold ornaments to individuals and small businesses, characterized by shorter tenures and high liquidity.
Loan Against Property (LAP): Offers secured loans against residential and commercial properties, typically to self-employed individuals and MSMEs for business expansion or personal needs.
Unsecured Business & Home Loans: Includes loans without collateral to micro, small, and medium enterprises (MSMEs) for working capital or business expansion, and affordable home loans primarily targeting first-time home buyers.
Mr. Anil Kothuri (MD & CEO): Leads the company with extensive experience in financial services, including retail lending, risk management, and business development across various leading banks and NBFCs.
No major subsidiaries reported.
No major recent corporate actions on record (post-IPO).
The Fedbank Financial Services Ltd share price today is ₹156.21 on NSE (FEDFINA), as of 28 Sept 2026.
As of 28 Sept 2026, Fedbank Financial Services Ltd share price is ₹156.21, with previous close ₹156.21. Today's range is ₹156.21 to ₹156.21. The 52-week range is ₹119.07 to ₹178.48.
As of today, Fedbank Financial Services Ltd's market cap is ₹6,198.41 crore (Mid Cap).
Fedbank Financial Services Ltd's current P/E ratio is 17.02, compared to the BANKING AND FINANCE sector average of 27.50.
Fedbank Financial Services Ltd's current P/B ratio is 2.00.
Fedbank Financial Services Ltd's current dividend yield is N/A. Last dividend of ₹0.00 per share was declared on N/A.
Fedbank Financial Services Ltd's EPS (TTM) is ₹51.99.
Fedbank Financial Services Ltd. (FedFina) is a retail-focused NBFC promoted by The Federal Bank Ltd. It primarily offers gold loans, home loans (Loan Against Property - LAP), and small ticket business loans to self-employed and salaried individuals. Positioned in the affordable housing and MSME segments, it aims for deep penetration through a branch-led distribution model.
Fedbank Financial Services Ltd is promoted by The Federal Bank Limited, holding 60.79% as of 28 Sept 2026.
Fedbank Financial Services Ltd is listed on NSE (FEDFINA) and BSE (544027). Its next quarterly results are expected on August 2024.