IDFCFIRSTB vs INDUSINDBK
Side-by-side comparison of IDFC First Bank Ltd. and IndusInd Bank Ltd.. Descriptive only — not investment advice.
IDFC First Bank Ltd.
Banking
Quality Score: 56/100
IndusInd Bank Ltd.
Banking
Quality Score: 43/100
At a glance
| Metric | IDFCFIRSTB | INDUSINDBK |
|---|---|---|
| Quality Score | 56/100 | 43/100 |
| P/E (trailing) | 32.7 | 59.5 |
| Forward P/E | 12.7 | 12.8 |
| ROE | — | — |
| Profit margin | +32.8% | +7.7% |
| Debt-to-equity | — | — |
| Dividend yield | +0.29% | +0.15% |
| 1Y price return | +20.4% | +28.1% |
| From 52w high | -4.6% | -4.7% |
| Analyst rating1 = Strong Buy, 5 = Strong Sell | 2.19 | — |
Highlighted value = better on the metric (lower for P/E, D/E, drawdown, analyst rating; higher elsewhere). Descriptive only.
Snapshots
IDFC First Bank trades at ₹84.68, up 20.44% over the past year and 21.68% over the past 3 months, sitting 4.6% below its 52-week high and above both its 50-DMA (₹77.86) and 200-DMA (₹76.36). Trailing PE stands at 32.7x against a forward PE of 12.7x. Recent news flow (7 of 8 items positive) centers heavily on a single 2026-07-25 Q1 FY27 results release showing profit up 132% YoY and a raised full-year ROA target of 1%, against a backdrop of a 5-year earnings CAGR of -23.2% and 5-year revenue CAGR of -1.1%.
INDUSINDBK trades at ₹1,027.30, up 28.08% over the past year and 13.33% over 3 months, sitting above both its 50-DMA (₹970.71) and 200-DMA (₹895.17) and 4.69% below its 52-week high. Trailing PE is 59.52 against a forward PE of 12.84, and 5-year persistence data shows 0 years of ROE above 15% with free cash flow positive in only 2 of the years reviewed. News sentiment across the 8 headlines reviewed is entirely neutral (0 positive, 0 negative).
Pros
- ✓Price is above both the 50-DMA (₹77.86) and 200-DMA (₹76.36), with RSI at 65.47 (neutral) and the stock just 4.6% below its 52-week high.
- ✓1-year price change of +20.44% and 3-month change of +21.68% show accelerating recent momentum.
- ✓Most recent quarterly print (per news dated 2026-07-25) showed net profit up 132% YoY with improving asset quality and FY27 ROA guidance raised to 1%.
- ✓Free cash flow was positive in 4 of the measured years, and the debt trend in the persistence record is recorded as falling.
- ✓Price up 28.08% over 1 year and 13.33% over 3 months, trading above both the 50-DMA (₹970.71) and 200-DMA (₹895.17), with RSI at a neutral 57.67.
- ✓Stock is only 4.69% below its 52-week high, with the nearest support at ₹984.05 below the current price of ₹1,027.30.
- ✓Forward PE of 12.84 sits well below the trailing PE of 59.52, and 5-year earnings growth of 71.7% is materially higher than 5-year revenue growth of 1%.
- ✓Ranks 3rd of 6 Banking/NBFC peers reviewed on quality score (50), ahead of HDFCLIFE (33), BAJAJFINSV (37) and BAJFINANCE (47).
Cons
- ✗5-year earnings CAGR of -23.2% and 5-year revenue CAGR of -1.1%, with zero years of ROE above 15% in the persistence record, describe a multi-year profitability track record weaker than the recent quarterly print.
- ✗Quality score of 31 ranks 5th of 6 in the peer set shown, ahead only of BAJAJFINSV (23); note the peer set mixes a bank, an NBFC, and an insurer.
- ✗Consistency score of 40 (out of 100) in the persistence dataset points to an inconsistent multi-year track record predating the most recent quarter.
- ✗ROE and debt-to-equity fields are both unavailable in the fundamental dataset, limiting direct profitability and leverage comparison against peers.
- ✗5-year persistence data shows 0 years of ROE above 15%, a consistency score of 0, and free cash flow positive in only 2 of the years reviewed — a multi-year record of weak and inconsistent profitability.
- ✗Trailing PE of 59.52 is roughly 4.6x the forward PE of 12.84, and 5-year revenue growth of 1% sits far below 5-year earnings growth of 71.7% — a wide historical gap between top-line and bottom-line growth.
- ✗Ranks 6th of 6 Banking/NBFC peers reviewed on PE (59.52, the highest in the peer set), above AXISBANK (13.85), HDFCBANK (15.93), BAJAJFINSV (32.12), BAJFINANCE (33.63) and HDFCLIFE (58.71).
- ✗ROE, debt-to-equity, and the mean analyst rating are all unavailable (null) in the fundamental data reviewed despite 36 analysts tracked, limiting visibility into capital efficiency, leverage, and consensus positioning.
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