IDFC First Bank Ltd.
NSE: IDFCFIRSTBIDFC First Bank Ltd.: A 30-second snapshot
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%.
P/E
32.7
Forward P/E
12.7
ROE
—
Debt / Equity
—
Profit Margin
+32.8%
Div. Yield
+0.3%
5Y ROE > 15%
0/5
5Y FCF > 0
4/5
Quality
56/100
News
8 headlines · 7 positive · 0 negative
IDFCFIRSTB: Profit up 132% YoY, asset quality improved, and ROA target raised to 1% for FY27 - TradingView
TradingView
IDFCFIRSTB: Profit exceeded INR 1,000 crore as asset quality and margins improved, driving upgraded FY27 guidance - TradingView
TradingView
IDFCFIRSTB: Net profit more than doubled year-over-year as growth, margins, and asset quality all improved - TradingView
TradingView
IDFCFIRSTB: Net profit up 132% YoY, asset quality improved, and full-year ROA target raised to 1% - TradingView
TradingView
IDFC First Bank Clears Rs 20,000 Crore Fund-Raising Plan and Governance Changes - TipRanks
TipRanks
Recent context
- ·News flow is 7 positive of 8 total items, but the majority of headlines reference a single 2026-07-25 event: Q1 FY27 results showing profit up 132% YoY, improved asset quality, and an ROA target raised to 1% for FY27.
- ·TipRanks reported the bank cleared a Rs 20,000 crore fund-raising plan alongside governance changes (2026-07-25).
- ·Trailing PE (32.7x) sits well above forward PE (12.7x), a gap consistent with the market pricing forward earnings closer to the post-results trajectory than to the trailing 5-year earnings history (-23.2% CAGR).
Strengths
- +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.
Weaknesses
- −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.
Open questions
- ?Does the 132% YoY profit growth reported for the latest quarter represent a durable change in trajectory, or a base-effect rebound from a weaker prior-year quarter?
- ?How does zero years of ROE above 15% in the historical record reconcile with the raised FY27 ROA target of 1%, and what would need to change structurally to sustain that target?
- ?Given the peer set mixes banks, an NBFC, and an insurer, how does IDFC First Bank's PE and quality score compare against a more like-for-like set of private-sector banks?
- ?With ROE and debt-to-equity both unavailable in this dataset, what do the bank's capital adequacy and leverage metrics show from primary regulatory filings?
Peer comparison: Banking
Ranks 5 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| IDFCFIRSTB | IDFC First Bank Ltd.You're viewing | 32.7 | — | 31 |
| Industry avg | across 5 peers | 31.7 | +13.1% | 48 |
| AXISBANK | Axis Bank Ltd. | 13.8 | +13.3% | 70 |
| HDFCBANK | HDFC Bank Ltd. | 16.3 | +13.8% | 66 |
| BAJFINANCE | Bajaj Finance Ltd. | 35.1 | — | 47 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 59.9 | +10.8% | 33 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 33.3 | +14.6% | 23 |
Technical state
Current price
₹84.68
SMA 50
₹77.86
SMA 200
₹76.36
RSI (14)
65.5 (neutral)
From 52w high
-4.6%
1Y return
+20.4%
3M return
+21.7%
50-DMA
Above
200-DMA
Above
Algorithmic support levels
Risk flags
- medium5-year earnings CAGR of -23.2% and 5-year revenue CAGR of -1.1%, combined with zero years of ROE above 15% in the persistence record, describe a multi-year profitability track record that is weaker than the most recent quarterly print.
- mediumQuality score of 31 ranks 5th of 6 in the peer set shown, ahead only of BAJAJFINSV (23); the peer set mixes a bank (AXISBANK, HDFCBANK), an NBFC (BAJFINANCE, BAJAJFINSV), and an insurer (HDFCLIFE), so PE/ROE-based comparisons across this set are not strictly like-for-like.
- low4 of the 5 most recent headlines (and the majority of the 8-item total) reference the same 2026-07-25 Q1 FY27 results release (profit up 132% YoY, ROA target raised to 1%); the 7-of-8 positive tally substantially reflects repeated coverage of a single event rather than eight independent developments.
- lowROE and debt-to-equity fields are both null in the fundamental dataset for this run, limiting direct profitability and leverage comparison against peers.
Cross-section contradictions
- 5-year earnings CAGR of -23.2% and zero years of ROE above 15% describe a multi-year profitability weak spot, yet the most recent quarterly print (per news dated 2026-07-25) shows profit up 132% YoY with improving asset quality and a raised FY27 ROA target of 1% — a sharp inflection not yet reflected in the trailing 5-year fundamentals.
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.
Fundamentals & technicals: refreshed 11 Aug 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 1 Aug 2026 · rotates through NIFTY 500 every ~5 days