Federal Bank Ltd.
Banking · NSE
52-week range
₹182 – ₹302
From 52w high
-1.6%
RSI (14)
62.0
vs SMA 50 / 200
↑ 50 · ↑ 200
Federal Bank (FEDERALBNK) trades at ₹297.25, up 59.67% over 12 months, and sits 20.6% above its 200-day moving average of ₹246.43. The trailing PE of 17.01 is close to sector peer HDFC Bank (17.43), with a forward PE of 12.52 suggesting earnings growth expectations are priced in. Quality score of 61 ranks first among the 6 peers measured.
- ✓Price up 59.67% over 12 months; current price of ₹297.25 is above both the 50-DMA (₹282.52) and 200-DMA (₹246.43), with only a 1.57% drawdown from the 52-week high.
- ✓5-year earnings CAGR of 22.2% outpaces the 5-year revenue CAGR of 12.3%, indicating margin expansion over the period.
- ✓Quality score of 61 ranks 1st out of 6 peers in the Banking sector peer set; FCF was positive in 4 of 5 measured years.
- ✓RBI has approved Kotak Mahindra Bank to acquire up to 9.99% in Federal Bank, a regulatory clearance that introduces a notable institutional shareholder into the register.
- ✗ROE of 11.73% has not exceeded 15% in any measured year (roeYearsAbove15 = 0) and ranks 5th out of 6 peers; peers Bajaj Finance (17.91%) and Bajaj Finserv (14.6%) show materially higher return profiles.
- ✗Consistency score of 43 reflects earnings variability; the measure sits below the midpoint of the scale and is accompanied by a rising debt trend classification.
- ✗Profit margin of 29.91% and dividend yield of 0.4% are modest relative to the size of the 12-month price rally; the forward PE compression from 17.01 to 12.52 implies the market is pricing significant future earnings delivery.
- ✗News flow is concentrated in 6 recent articles; the absence of any negative headlines may reflect the sparse sample rather than a clean operational environment.
- ·RBI approved Kotak Mahindra Bank to acquire up to 9.99% stake in Federal Bank (reported 7 May 2026); the regulatory clearance formalises a significant potential institutional holding.
- ·Federal Bank signed an agreement to acquire a select retail credit card portfolio from Standard Chartered Bank India Branches (announced 29-30 April 2026), extending the bank's unsecured retail credit exposure.
- ·A new CFO (Manikandan M) was appointed and equity shares were allotted under employee stock option schemes in late April – early May 2026, representing routine governance and compensation disclosures.
- ?Does the 22.2% five-year earnings CAGR reflect a structural improvement in Federal Bank's operating model, or does it stem from a low base following a period of elevated provisioning?
- ?How does the acquisition of Standard Chartered's retail credit card portfolio affect Federal Bank's unsecured loan mix, and what provisioning assumptions underpin that book going forward?
- ?Given that ROE has not crossed 15% in any measured year, what would need to change in the asset mix or cost structure for the return profile to converge with higher-ROE peers?
- ?What are the strategic implications of Kotak Mahindra Bank holding up to 9.99% of Federal Bank — does historical precedent in Indian banking suggest such stakes typically remain passive or precede more material corporate actions?
PE
17.0
Forward PE
12.5
ROE
+11.7%
Profit margin
+29.9%
D/E
—
Dividend yield
+0.4%
Quality score
61/100
ROE 5y above 15%
0/5 yrs
FCF 5y positive
4/5 yrs
For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Market data sourced from public feeds; consult a registered adviser before any investment decision.Analysis generated 11 May 2026.