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Earnings Call

Federal Bank Earnings Call: Key Takeaways

Federal Bank delivered record quarterly Net Profit of ₹1,145 Cr in Q4 FY26. Strategy focuses on retail deposit granularity, NRI franchise strengthening, and shifting asset mix toward high-yield secured segments like Gold and LAP.

Why this was an Alfa AlertNot a filter event. Results were described as consistent with direction and previous guidance without material beats of 5% above upper guided ends.
Highlights
Revenue growthNII grew 14.2% YoY; Other income reached ₹1,145 Cr.
MarginsNIM expanded to 3.20%; ROA reached 1.24%.
Order bookGross advances at ₹2,68,369 Cr, up 13% YoY.
Demand visibilityStrong traction in Gold loans (26% YoY) and LAP (8% QoQ).
Management confidenceHigh; cited record quarter on several metrics and resilient franchise.

Growth

Net Profit grew 10% QoQ to ₹1,145 Cr; Total Business up 12% YoY; CASA balances crossed ₹1 Lakh Cr.

Outlook

Guidance for 100 new branches in FY27; targeting 36% CASA ratio; credit cost guidance maintained at 50-60 bps.

Risks

West Asia conflict volatility impacting energy markets; food inflation monitoring; intense market rate competition.

Source

Earnings Call filed with BSE, NSE: FEDERALBNK. Summary written with AI assistance from the document.

Read the document ↗

Federal Bank Ltd: key numbers

Share price
₹322.00
Market cap
₹79,618 Cr
Revenue (annual)
₹29,674 Cr
Net profit (annual)
₹4,345 Cr
P/E (TTM)
17.0×Sector 22.0×
Promoter holding
0.00%+0.00% QoQ
FII holding
27.71%Current quarter

Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.

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Debt & Borrowing

Federal Bank Debt & Borrowing: ₹4,800 Cr

Federal Bank's Board approved a USD 500 million (~₹4,800 Cr) MTN Programme. Bonds may be issued in tranches to eligible investors on international exchanges.

Value
₹4,800 Cr
20:00 IST BSE
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