IDFC First Bank Ltd.
Banking · NSE
52-week range
₹58 – ₹87
From 52w high
-18.1%
RSI (14)
61.0
vs SMA 50 / 200
↑ 50 · ↓ 200
IDFC First Bank trades at ₹71.27, 4.6% below its 200-DMA of ₹74.71, with a 52-week drawdown of 18.1% from the high. The trailing PE of 37.87 is the highest among the 6-stock Banking peer group, set against 5-year earnings growth of -23.2% and flat revenue (-1.1%). A clean FY26 audit and reported improvement in Q4 asset quality represent recent operational positives.
- ✓4 of the available FCF years are positive, and the debt trend is reported as falling, indicating some balance-sheet discipline on the liability side.
- ✓The forward PE of 11.0 implies a sharp anticipated improvement in near-term earnings relative to the current trailing multiple of 37.87, suggesting earnings expectations have moved materially.
- ✓Q4 FY26 results were accompanied by a clean statutory audit and management commentary citing core earnings growth and improving asset quality, per recent news coverage.
- ✓Dividend yield of 0.35% is present, indicating some return of capital to shareholders despite the earnings trajectory.
- ✗5-year earnings growth of -23.2% is the most significant structural concern — sustained bottom-line compression over multiple years raises questions about the durability of the business model during a growth phase.
- ✗Quality score of 31 out of 100 ranks the bank 4th of 6 peers; ROE has not exceeded 15% in any year within the persistence window, placing it below peer-group leaders such as BAJAJFINANCE (ROE 17.91%, quality 51) and AXISBANK (quality 50).
- ✗The stock is below its 200-DMA and has declined 16.29% in 3 months, with resistance noted at ₹85.13–₹85.98, approximately 19–21% above current price.
- ✗5-year revenue growth of -1.1% paired with a trailing PE of 37.87 — highest in the peer group — creates a valuation-fundamental gap that has not narrowed through top-line expansion.
- ·IDFC First Bank reported Q4 FY26 results in late April 2026, with news coverage from TipRanks citing steady profit, surging core earnings, and improved asset quality; the statutory audit for FY26 returned a clean opinion.
- ·Despite the constructive Q4 reporting, the stock declined 16.29% over the past 3 months, suggesting the quarterly data has not reversed the broader price trend that began earlier in the year.
- ·Mean analyst rating is 2.68 across 18 analysts on a 1–5 scale (lower = more constructive), reflecting a range of views across the coverage universe at current price levels.
- ?Does the gap between the trailing PE of 37.87 and the forward PE of 11.0 reflect a plausible one-year earnings recovery, or does it depend on assumptions that have not been validated in trailing revenue trends?
- ?Is the reported improvement in Q4 asset quality a structural shift or a cyclical recovery, and how does the gross NPA trajectory compare to peer banks such as AXISBANK and HDFCBANK over the same period?
- ?Given that revenue has declined -1.1% over 5 years while the bank has been in a growth-investment phase, at what point does the loan book scale translate into sustainable top-line and bottom-line expansion?
- ?How does IDFC First Bank's capital adequacy and provisioning buffer compare to the peer group, and what does that imply for its ability to absorb credit-cycle stress without dilutive equity raises?
PE
37.9
Forward PE
11.0
ROE
—
Profit margin
+32.8%
D/E
—
Dividend yield
+0.3%
Quality score
31/100
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.