ALFA Finder| Management target | Net Profit FY27 |
|---|
| Revenue growth | NII grew 21.1% YoY; Fee income grew 22.9% YoY. |
|---|---|
| Margins | Clean NIM at 5.9%; guided to 5.8% for full year FY27. |
| Demand visibility | Strong business momentum; customer business grew 20% YoY. |
| Management confidence | High; confident in reaching 1% ROA and improving cost-to-income ratios. |
Growth
Loan book grew 20.6% YoY to INR 3.05 lakh Cr; customer deposits grew 16.6% YoY to nearly INR 3 lakh Cr.
Outlook
Management raised FY27 ROA guidance to ~1% and credit cost guidance improved to 150-160 bps.
Risks
Geopolitical uncertainties and monsoon-related factors prompted a prudent INR 515 Cr contingency provision.
Last quarter's promises, checked
Delivered
- Guided NIM ~5.85% → delivered 5.93% (= BEAT)
- Guided Credit Cost ~210 bps → delivered 213 bps (= BEAT)
- Guided Opex Growth ~12.3% → delivered 12.3% (= BEAT)
Partly delivered
- Guided ROA towards 1% → delivered 75 bps adjusted (= PARTIAL)
Missed
- Guided Deposit Growth ~20% → delivered 16.6% (= MISS)
- Guided Loan Growth ~20% → delivered 20.6% (= BEAT)
Investor Presentation filed with BSE, NSE: IDFCFIRSTB. Summary written with AI assistance from the document.
IDFC First Bank Ltd: key numbers
- Share price
- ₹80.93
- Market cap
- ₹69,829 Cr
- Revenue (annual)
- ₹40,549 Cr
- Net profit (annual)
- ₹1,611 Cr
- P/E (TTM)
- 23.2×Sector 20.8×
- Promoter holding
- 0.00%+0.00% QoQ
- FII holding
- 36.67%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from IDFC First Bank Ltd
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IDFC First Bank Earnings Call Transcript: Key Takeaways
IDFC First Bank reports its second consecutive quarter of PAT over ₹1,000 Cr, heavily impacted by massive FCNR mobilization which technicality suppressed NIMs while providing long-term structural liquidity.
IDFC First Bank Management Change
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IDFC First Bank Investor Presentation: Key Takeaways
Q2 FY27 PAT Rs 1,045 Cr (+196.5% YoY), core PAT Rs 1,036 Cr; NII Rs 6,184 Cr (+21%); GNPA 1.32%; FCNR(B) mobilisation Rs 34,390 Cr drives deposits.
IDFC First Bank Other Announcement
IDFC First Bank filed a NIL security cover certificate for the quarter ended 30 September 2026. It has only unsecured debt, so no cover ratio applies.
IDFC First Bank Results Update
IDFC First Bank's press release reports Q2 FY27 profit growth, with deposits up strongly year-on-year. It also highlights FCNR(B) mobilisation and a debut S&P investment-grade rating.