FEDFINA

Fedbank Financial Services Limited

NBFC offering gold loans and loan against property

Financial Services›Financial Services›Finance›Non Banking Financial Company (NBFC)

fedfina.com(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-19

Stock price
₹160.74
Market cap
6,030 Cr
Stock P/E
13.9
P/B
1.91
ROE (FY26)
11.7%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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Compare with peers

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What you need to know

Fedfina (Fedbank Financial Services) is a non-banking finance company promoted by Federal Bank that lends mainly against gold and property to individuals and small businesses.

Company snapshot

21stBy market cap

Ranked among 58 companies in Non Banking Financial Company (NBFC).

Segment mix

Reportable segments as of 2024-09-30 (Standalone). Revenue share = segment revenue ÷ total revenue.

Largest segment: 94.8% of revenue

SegmentRevenue shareRevenuePBTAssets
Distribution
1.9%
19 Cr0.90 Cr—
Retail Finance
94.8%
939 Cr155 Cr—
Unallocated
5.3%
52 Cr27 Cr—
Wholesale Finance
0.0%
0.12 Cr-3 Cr—

Shares add up to 102% because segment revenues are before inter-segment eliminations.

What we see

Positives
  • ✓Net margin of 15.5% — the business keeps a healthy share of every rupee it earns.
Concerns
  • ✗Operating cash flow is negative even though the company shows a profit — the business may not be generating real cash yet.
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Statement tables · Standalone

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Standalone only

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricDec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026Sept 2026
Net Interest Income217 Cr211 Cr250 Cr265 Cr284 Cr283 Cr268 Cr294 Cr319 Cr349 Cr372 Cr404 Cr
Other income16 Cr20 Cr14 Cr6 Cr10 Cr14 Cr0.65 Cr0.61 Cr0.71 Cr1 Cr0.32 Cr0.38 Cr
Net operating income233 Cr231 Cr263 Cr271 Cr294 Cr298 Cr269 Cr294 Cr320 Cr350 Cr372 Cr404 Cr
Employee cost83 Cr86 Cr92 Cr100 Cr93 Cr106 Cr92 Cr105 Cr116 Cr131 Cr121 Cr127 Cr
Other expenses45 Cr44 Cr52 Cr61 Cr66 Cr69 Cr69 Cr65 Cr69 Cr69 Cr75 Cr84 Cr
Provisions & contingencies————————————
Depreciation10 Cr9 Cr11 Cr12 Cr13 Cr13 Cr12 Cr13 Cr14 Cr15 Cr14 Cr15 Cr
Profit before tax88 Cr91 Cr94 Cr86 Cr25 Cr99 Cr100 Cr107 Cr118 Cr135 Cr153 Cr178 Cr
Tax %25.5%25.5%25.0%25.3%25.1%27.4%25.3%25.4%25.7%25.5%25.5%26.5%
Net profit65 Cr68 Cr70 Cr65 Cr19 Cr72 Cr75 Cr80 Cr88 Cr101 Cr114 Cr131 Cr
EPS (₹)₹1.92₹1.83₹1.90₹1.74₹0.50₹1.92₹2.01₹2.15₹2.35₹2.69₹3.05₹3.56

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income———812 Cr1,071 Cr1,230 CrSign in free for the trailing twelve months
Other income6 Cr14 Cr36 Cr46 Cr44 Cr3 CrSign in free for the trailing twelve months
Net operating income6 Cr14 Cr36 Cr858 Cr1,115 Cr1,233 CrSign in free for the trailing twelve months
Employee cost132 Cr175 Cr248 Cr318 Cr390 Cr444 CrSign in free for the trailing twelve months
Other expenses65 Cr86 Cr122 Cr171 Cr248 Cr273 CrSign in free for the trailing twelve months
Provisions & contingencies——————Sign in free for the trailing twelve months
Depreciation27 Cr37 Cr42 Cr37 Cr49 Cr54 CrSign in free for the trailing twelve months
Profit before tax77 Cr139 Cr243 Cr328 Cr304 Cr461 CrSign in free for the trailing twelve months
Tax %19.8%25.7%25.9%25.4%25.9%25.5%Sign in free for the trailing twelve months
Net profit62 Cr103 Cr180 Cr245 Cr225 Cr344 CrSign in free for the trailing twelve months
EPS (₹)₹2.19₹3.32₹5.60₹7.22₹6.06₹9.20Sign in free for the trailing twelve months
Dividend payout %———0.0%0.0%0.0%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital290 Cr322 Cr322 Cr369 Cr373 Cr374 Cr
Reserves545 Cr832 Cr1,034 Cr1,891 Cr2,175 Cr2,552 Cr
Borrowings4,328 Cr5,017 Cr7,136 Cr8,215 Cr10,269 Cr13,484 Cr
Other liabilities303 Cr385 Cr579 Cr662 Cr434 Cr465 Cr
Total liabilities5,466 Cr6,556 Cr9,071 Cr11,138 Cr13,250 Cr16,875 Cr
Fixed assets (net)19 Cr31 Cr31 Cr141 Cr186 Cr216 Cr
CWIP0.96 Cr0.66 Cr0.52 Cr0.27 Cr0.28 Cr2 Cr
Investments———751 Cr404 Cr402 Cr
Loans & advances———9,822 Cr11,646 Cr14,319 Cr
Trade receivables1 Cr12 Cr15 Cr30 Cr19 Cr7 Cr
Cash & bank526 Cr66 Cr94 Cr186 Cr725 Cr1,340 Cr
Other assets4,919 Cr6,446 Cr8,931 Cr207 Cr269 Cr589 Cr
Total assets5,466 Cr6,556 Cr9,071 Cr11,138 Cr13,250 Cr16,875 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity-371 Cr-578 Cr-1,474 Cr-776 Cr-978 Cr-1,664 Cr
Cash from investing-71 Cr-417 Cr-130 Cr-100 Cr329 Cr-31 Cr
Cash from financing826 Cr535 Cr1,632 Cr967 Cr1,187 Cr2,310 Cr
Net cash flow384 Cr-460 Cr28 Cr92 Cr539 Cr615 Cr
Free cash flow (OCF − Capex)-382 Cr-605 Cr-1,489 Cr-789 Cr-996 Cr-1,694 Cr

Ratios

MetricMar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %7.4%9.0%13.3%10.8%8.8%11.7%
Debt / equity5.184.355.263.634.034.61