banking
IDFC First Bank
IDFCFIRSTB · Nifty 50
₹77.38
Price 2026-06-17
At a Glance
Fundamental
63/100
ADEQUATE
Trust
90/100
Verification
Coverage
44/100
LIMITED
Quick Take
IDFC First Bank scores 63/100 on fundamentals (adequate). IDFC First Bank: BROAD EXPANSION regime.
Fundamental Score: 63/100 · ADEQUATE · 1 signals detected
DuPont Analysis
ROE 3.3% broken into three drivers. Each shows how efficiently the company generates returns.
ROE of 3.29% is modest leverage-driven and stable. Net margin of 5.4% × asset turnover of 0.07x × leverage of 8.4x. High leverage amplifies returns but increases risk. Low asset turnover is normal for banks.
What This Means
Net margin of 5.4% means the company keeps ₹5.4 as profit for every ₹100 of revenue. This is a moderate-margin business. Asset turnover of 0.07x means the company generates ₹0.07 of revenue for every ₹1 of assets. This is a capital-heavy business. Leverage of 8.4x means the company uses significant debt. Higher leverage amplifies returns but also risk.
Margin Structure
Gross
100.0%
Operating
%
Net
5.4%
Financial Health
Peer Comparison
IDFC First Bank is compared against 10 peers in the banking sector.
Bank Metrics
Return on Assets
0.39%
Benchmark: >1%
Efficiency Ratio
94.6%
Lower is better
Asset Growth
+16.2%
Year over year
PB Ratio
1.4x
Price to book
ROA of 0.39% is weak (benchmark: >1% for banks). P/B of 1.39x — trading above book. Reasonable valuation for a bank.
Key Watchpoints
Breaks above ₹81 (+5%)
Trend reversal confirmation
Breaks below ₹74 (-5%)
Further downside risk
Banking sector entering leadership
Sector rotation signal
Detected Patterns
Risk Flags
No single controlling shareholder. Management may not be aligned with shareholders.
High revenue multiple. Market pricing in significant growth or margins expansion.
➡️ 2 flags — 0 positive, 2 warning. Mixed profile.
Data Quality
News Correlation
50 articles scanned for fundamental themes