Fedbank Financial Services Limited
Fundamental Score
Fedbank Financial Services Limited Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of FEDFINA across key market metrics for learning purposes.
Positive Indicators
7 factors identified
Strong Operating Margins (60.15%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages. This indicates sustainable profitability potential.
Robust Profit Growth (24.17%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture. This suggests positive business trajectory.
Consistent Growth Track Record (34.41% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model and market opportunity execution over time.
Excellent EPS Growth (33.32% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential and effective capital allocation over extended periods.
Strong Profit Growth Track Record (41.84% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model and effective operational leverage over time.
Balanced Promoter Holding (60.88%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment while ensuring adequate liquidity.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
8 factors identified
Below-Average Return on Equity (9.38%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (9.82%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation. Review business model and competitive positioning.
Elevated Debt Levels (D/E: 3.83)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability and cash flow generation.
Weak Interest Coverage (1.38x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.
Negative Free Cash Flow (₹-4261.64 Cr over 5Y)
Observation: Cash outflows exceed inflows, indicating capital intensity or working capital issues.
Analysis: Negative FCF requires analysis of capital expenditure cycle and working capital management efficiency.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints. Assess capital allocation strategy.
High Debt-to-Equity Ratio
Observation: Elevated financial risk due to high leverage.
Analysis: High debt levels may strain cash flows and increase financial risk during economic downturns.
Very High Debt Levels
Observation: Excessive leverage may strain cash flows.
Analysis: Debt-to-equity above 2.0 indicates potential financial distress risk.
Financial Statements
Comprehensive financial data for Fedbank Financial Services Limited
About FEDFINA
Business Overview
Fedbank Financial Services Limited, a non-banking finance company (NBFC), provides financing services to individuals and businesses in India. The company operates through three segments: Distribution, Retail Finance, and Wholesale Finance. The company offers housing, personal car, personal, home equity mortgage, gold, SME, business, unsecured business, mortgage, and retail loans. It also provides loans against property and retail asset products; construction finance to developers; and loans to other NBFCs. In addition, the company provides insurance products. Fedbank Financial Services Limited was incorporated in 1995 and is based in Mumbai, India. Fedbank Financial Services Limited is a subsidiary of The Federal Bank Limited.
Company Details
Key Leadership
FEDFINA Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of Fedbank Financial Services Limited (FEDFINA)?
As of 29 Jan 2026, 10:37 am IST, Fedbank Financial Services Limited (FEDFINA) is currently trading at ₹154.21. The stock has a market capitalization of ₹5.66K (Cr).
Is FEDFINA share price Overvalued or Undervalued?
FEDFINA is currently trading at a P/E ratio of 23.04x, compared to the industry average of 22.03x. Based on this relative valuation, the stock appears to be Overvalued against its sector peers.
What factors affect the Fedbank Financial Services Limited share price?
Key factors influencing FEDFINA's price include its quarterly earnings growth (Sales Growth: 4.37%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Fedbank Financial Services Limited a good stock for long-term investment?
Fedbank Financial Services Limited shows a 5-year Profit Growth of 41.84% and an ROE of 9.38%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 3.83 before investing.
How does Fedbank Financial Services Limited compare with its industry peers?
Fedbank Financial Services Limited competes with major peers in the Non Banking Financial Company (NBFC). Investors should compare FEDFINA's P/E of 23.04x and ROE of 9.38% against the industry averages to determine its competitive standing.
What is the P/E ratio of FEDFINA and what does it mean?
FEDFINA has a P/E ratio of 23.04x compared to the industry average of 22.03x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹23 for every ₹1 of annual earnings.
How is FEDFINA performing according to Bull Run's analysis?
FEDFINA has a Bull Run fundamental score of 52.2/100, which indicates moderate strength with some areas for improvement. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does FEDFINA belong to?
FEDFINA operates in the Non Banking Financial Company (NBFC) industry. This classification helps understand the competitive landscape and sector-specific trends affecting Fedbank Financial Services Limited.
What is Return on Equity (ROE) and why is it important for FEDFINA?
FEDFINA has an ROE of 9.38%, which suggests challenges in generating returns from shareholders' equity. Return on Equity measures how efficiently Fedbank Financial Services Limited generates profits from shareholders' equity.
How is FEDFINA's debt-to-equity ratio and what does it indicate?
FEDFINA has a debt-to-equity ratio of 3.83, which indicates high leverage that increases financial risk. A ratio below 1.0 generally indicates conservative financing.
What is FEDFINA's dividend yield and is it a good dividend stock?
FEDFINA offers a dividend yield of 0.00%, which means you receive ₹0.00 annual dividend for every ₹100 invested.
How has FEDFINA grown over the past 5 years?
FEDFINA has achieved 5-year growth rates of: Sales Growth 34.41%, Profit Growth 41.84%, and EPS Growth 33.32%.
What is the promoter holding in FEDFINA and why does it matter?
Promoters hold 60.88% of FEDFINA shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is FEDFINA's market capitalization category?
FEDFINA has a market capitalization of ₹5659 crores, placing it in the Mid-cap category.
How volatile is FEDFINA stock?
FEDFINA has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for FEDFINA?
FEDFINA has a 52-week high of ₹N/A and low of ₹N/A.
What is FEDFINA's operating profit margin trend?
FEDFINA has a 5-year average Operating Profit Margin (OPM) of 60.15%, indicating the company's operational efficiency.
How is FEDFINA's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of 4.37% and YoY Profit Growth of 24.17%.
What is the institutional holding pattern in FEDFINA?
FEDFINA has FII holding of 1.17% and DII holding of 19.36%. Significant institutional holding often suggests professional confidence in the stock.