IDFC First Bank
IDFC First Bank Share Price Chart
IDFC First Bank last traded at ₹79.32 (2026-10-13). Over the past month the stock moved -8.5%, three months the stock moved +12.9%, year the stock moved +10.6%. Its closing range over 52 weeks is ₹60.26 – ₹87.89, with the latest close 9.8% below the high.
Closing prices up to 2026-10-13.
About IDFC First Bank
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.
Business Overview:[1] [2] IDFC First Bank is a private sector bank, formed by the merger of IDFC Bank and Capital First in 2018. Since 2019, it has expanded its product range, including loans, deposits, and wealth management, and introduced new products like home loans, credit cards, FASTag, etc.
Fundamentals
Quarterly Results
In the latest quarter (Jun 2026), IDFC First Bank reported sales of ₹11,051.00 crore (+14.6%) and net profit of ₹1,148.00 crore (+153.4%), compared with the same quarter last year.
| Period | Sales | Operating profit | OPM % | Net profit | EPS (₹) |
|---|---|---|---|---|---|
| Jun 2026 | 11,051 | -828.00 | -7.00 | 1,148 | 1.33 |
| Mar 2026 | 10,553 | -1,429 | -14.00 | 331.00 | 0.38 |
| Dec 2025 | 10,417 | -1,514 | -15.00 | 479.00 | 0.56 |
| Sep 2025 | 9,937 | -1,468 | -15.00 | 348.00 | 0.47 |
| Jun 2025 | 9,642 | -1,656 | -17.00 | 453.00 | 0.62 |
| Mar 2025 | 9,413 | -1,551 | -16.00 | 296.00 | 0.40 |
| Dec 2024 | 9,343 | -1,358 | -15.00 | 340.00 | 0.46 |
| Sep 2024 | 8,957 | -1,482 | -17.00 | 212.00 | 0.28 |
| Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|
| Sales growth | +21.8% | +18.6% | +14.5% | +9.7% | +10.9% | +11.5% | +12.1% | +14.6% |
| Operating profit growth | – | – | – | – | – | – | – | – |
| Net profit growth | -71.6% | -53.6% | -59.6% | -29.5% | +64.2% | +40.9% | +11.8% | +153.4% |
| EPS growth | -74.8% | -55.8% | -61.5% | -31.9% | +67.9% | +21.7% | -5.0% | +114.5% |
| OPM % | -17.0% | -15.0% | -16.0% | -17.0% | -15.0% | -15.0% | -14.0% | -7.0% |
Colour scale: below -5% -5% to 0% 0% to 5% 5% to 20% 20% and above. A dash means the earlier figure was zero or negative, so a percentage is not meaningful.
Annual Financials
In the latest year (Mar 2026), IDFC First Bank reported sales of ₹40,549.00 crore (+11.1%) and net profit of ₹1,611.00 crore (+8.1%), compared with the previous year.
| Period | Sales | Operating profit | OPM % | Net profit | EPS (₹) |
|---|---|---|---|---|---|
| Mar 2026 | 40,549 | -6,067 | -15.00 | 1,611 | 1.87 |
| Mar 2025 | 36,502 | -4,277 | -12.00 | 1,490 | 2.04 |
| Mar 2024 | 30,325 | -1,444 | -5.00 | 2,942 | 4.16 |
| Mar 2023 | 22,728 | -701.00 | -3.00 | 2,485 | 3.75 |
| Mar 2022 | 17,173 | -2,615 | -15.00 | 132.00 | 0.21 |
| Mar 2021 | 15,968 | -1,350 | -8.00 | 483.00 | 0.85 |
| Mar 2020 | 16,240 | -3,748 | -23.00 | -2,843 | -5.91 |
| Mar 2019 | 12,204 | -1,241 | -10.00 | -1,908 | -3.99 |
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| Sales growth | +34.1% | +33.1% | -1.7% | +7.5% | +32.3% | +33.4% | +20.4% | +11.1% |
| Operating profit growth | -774.5% | – | – | – | – | – | – | – |
| Net profit growth | -316.8% | – | – | -72.7% | +1782.6% | +18.4% | -49.4% | +8.1% |
| EPS growth | -254.7% | – | – | -75.3% | +1685.7% | +10.9% | -51.0% | -8.3% |
| OPM % | -10.0% | -23.0% | -8.0% | -15.0% | -3.0% | -5.0% | -12.0% | -15.0% |
Colour scale: below -5% -5% to 0% 0% to 5% 5% to 20% 20% and above. A dash means the earlier figure was zero or negative, so a percentage is not meaningful.
AI Analysis
IDFC First Bank trades at ₹68.66, down 2.3% today but up 11% over 1 month—masking severe structural stress. The bank's operating margins collapsed to -15% to -17% over the last four quarters, with net profit sustained only by ₹1.6–₹2.2 Cr in other income, signaling core lending economics are deeply distressed. At P/E 38.4x vs industry 17.65x, the stock is massively overvalued despite a trailing ROE of just 3.4%, debt-to-equity improving to 0.78 but still elevated, and delivery % at 43% reflecting weak conviction.
- Debt-to-equity improved 80 bps YoY to 0.78 (Mar 2026 vs Mar 2025 at 1.02), signaling deleveraging progress and reduced refinancing risk.
- Operating cash flow of ₹6.8 Cr in FY2026 remains positive despite negative OPM, indicating deposit franchise and core collections are functional.
- FII/DII holding stable at 36.5% combined institutional ownership provides some valuation floor; 1-month gain of +11% shows short-term recovery potential from oversold levels.
- Negative operating profit of -₹1.4 to -₹1.7 Cr per quarter for 4 consecutive quarters is a critical red flag—net profit is almost entirely dependent on ₹1.6–₹2.2 Cr other income, making earnings unsustainable and vulnerable to one-off item volatility or losses.
- P/E of 38.4x vs industry median 17.65x (2.2x premium) combined with trailing ROE of 3.4% is indefensible valuation; even if bank returns to break-even OPM, justified P/E should be ~25–28x, implying 15–20% downside to fair value.
AI-generated analysis for informational purposes only — not SEBI-registered investment advice.
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Frequently Asked Questions
What is IDFC First Bank 's current stock price?
IDFC First Bank shares were last quoted at ₹79.32 (-0.3% on the day). Use the Refresh price button on this page for the latest available price. Prices are for information only.
What is the P/E ratio of IDFC First Bank ?
IDFC First Bank has a price-to-earnings (P/E) ratio of 31.40 and a price-to-book (P/B) ratio of 1.50. The industry P/E is 18.25.
What is the 52-week high and low of IDFC First Bank ?
The 52-week high of IDFC First Bank is ₹89.58 and the 52-week low is ₹58.08.
What is the market cap of IDFC First Bank ?
The market capitalisation of IDFC First Bank is about ₹72,293.77 crore.
How did IDFC First Bank perform in its latest quarterly results?
In the latest quarter (Jun 2026), IDFC First Bank reported sales of ₹11,051.00 crore (+14.6%) and net profit of ₹1,148.00 crore (+153.4%), compared with the same quarter last year.
Is IDFC First Bank a good stock to buy?
This page is for information and is not investment advice. As per the data shown here, IDFC First Bank has a 3-year ROE of 6.00%, 3-year profit growth of -13.00%. Review the fundamentals, quarterly results and AI analysis on StockSpin, and consult a SEBI-registered adviser before investing.
Which sector does IDFC First Bank belong to?
IDFC First Bank belongs to the Bank - Private sector.