Financials The Federal Bank Limited

Equities

Delayed NSE India S.E. Other stock markets 10:09:37 14/01/2026 am IST			5-day change	1st Jan Change
244.65 ^INR	-1.87%		-5.45%	-8.48%

12/01	Agency Report - Deutsche Bank Attracts Bidders for India Business	RE
12/01	Deutsche Bank's India retail assets and wealth management have drawn binding bids from Kotak Mahindra Bank and Federal Bank - Bloomberg News	RE

Fiscal Period: March	2021	2022	2023	2024	2025	2026	2027	2028
Net sales ¹	74,786	80,510	95,621	1,13,728	1,32,692	1,45,907	1,71,872	2,02,124
Change	-	7.65%	18.77%	18.94%	16.68%	9.96%	17.8%	17.6%
EBITDA	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
EBIT ¹	37,869	37,578	47,944	51,745	61,011	66,409	81,755	99,776
Change	-	-0.77%	27.58%	7.93%	17.91%	8.85%	23.11%	22.04%
Interest Paid	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	21,373	25,361	40,445	49,784	53,681	52,626	67,713	83,237
Change	-	18.66%	59.48%	23.09%	7.83%	-1.96%	28.67%	22.93%
Net income ¹	15,903	18,898	30,106	37,206	40,519	39,560	50,858	62,503
Change	-	18.83%	59.31%	23.58%	8.9%	-2.37%	28.56%	22.9%
Announcement Date	17/05/21	06/05/22	05/05/23	02/05/24	30/04/25	-	-	-

¹INR in Million

Estimates

Fiscal Period: March	2021 Q3	2021 Q4	2022 Q1	2022 Q2	2022 Q3	2022 Q4	2023 Q1	2023 Q2	2023 Q3	2023 Q4	2024 Q1	2024 Q2	2024 Q3	2024 Q4	2025 Q1	2025 Q2	2025 Q3	2025 Q4	2026 Q1	2026 Q2	2026 Q3	2026 Q4
Net sales ¹	19,189	18,858	20,686	19,238	20,231	19,902	20,571	23,714	24,905	26,432	26,510	27,868	29,859	29,490	32,072	33,312	33,475	33,834	34,498	35,774	36,580	38,847
Change	-	-1.73%	9.7%	-7%	5.16%	-1.63%	3.36%	15.27%	5.03%	6.13%	0.3%	5.12%	7.14%	-1.24%	8.75%	3.87%	0.49%	1.07%	1.96%	3.7%	2.25%	6.2%
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT ¹	9,629	8,851	11,352	8,648	9,143	7,982	9,734	12,122	12,742	13,346	13,024	13,244	14,373	11,104	15,009	15,654	15,595	14,654	15,563	16,442	16,853	17,720
Change	-	-8.08%	28.26%	-23.82%	5.72%	-12.7%	21.95%	24.54%	5.11%	4.74%	-2.41%	1.7%	8.52%	-22.75%	35.17%	4.29%	-0.38%	-6.03%	6.2%	5.65%	2.5%	5.14%
Charge d'intérêts	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	5,423	6,428	4,934	6,195	7,003	7,230	8,067	9,444	10,755	12,179	11,468	12,806	13,461	12,050	13,566	14,070	12,771	13,273	11,551	12,811	13,902	14,400
Change	-	18.53%	-23.25%	25.56%	13.05%	3.23%	11.58%	17.07%	13.89%	13.24%	-5.84%	11.67%	5.12%	-10.49%	12.59%	3.71%	-9.23%	3.93%	-12.97%	10.9%	8.51%	3.59%
Net income ¹	4,041	4,778	3,673	4,603	5,217	5,405	6,007	7,037	8,036	9,026	8,537	9,538	10,067	9,063	10,095	10,567	9,554	10,302	8,618	9,553	10,214	10,946
Change	-	18.24%	-23.13%	25.31%	13.36%	3.61%	11.12%	17.16%	14.2%	12.32%	-5.41%	11.72%	5.55%	-9.98%	11.39%	4.67%	-9.58%	7.83%	-16.35%	10.85%	6.93%	7.17%
Announcement Date	20/01/21	17/05/21	23/07/21	22/10/21	25/01/22	06/05/22	15/07/22	14/10/22	16/01/23	05/05/23	13/07/23	16/10/23	16/01/24	02/05/24	24/07/24	28/10/24	27/01/25	30/04/25	02/08/25	18/10/25	-	-

¹INR in Million

Estimates

Fiscal Period: March	2021	2022	2023	2024	2025	2026	2027	2028
Net Debt ¹	-	-	-	-	-	-58,523	-87,040	-1,31,733
Change	-	-	-	-	-	-	-48.73%	-51.35%
Announcement Date	17/05/21	06/05/22	05/05/23	02/05/24	30/04/25	-	-	-

¹INR in Million

Estimates

Fiscal Period: March	2020	2021	2022	2023	2024	2025
CAPEX ¹	1,545	1,299	2,955	4,840	3,279	7,547
Change	-	-15.88%	127.44%	63.79%	-32.25%	130.13%
Free Cash Flow (FCF) ¹	-	-	-	-	-	-
Change	-	-	-	-	-	-
Announcement Date	24/06/20	17/05/21	05/07/22	27/07/23	09/08/24	07/08/25

¹INR in Million

Estimates

Fiscal Period: March	2021	2022	2023	2024	2025	2026	2027	2028
Profitability
EBITDA Margin (%)	-	-	-	-	-	-	-	-
EBIT Margin (%)	50.64%	46.68%	50.14%	45.5%	45.98%	45.51%	47.57%	49.36%
EBT Margin (%)	28.58%	31.5%	42.3%	43.77%	40.45%	36.07%	39.4%	41.18%
Net margin (%)	21.26%	23.47%	31.48%	32.72%	30.54%	27.11%	29.59%	30.92%
FCF margin (%)	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-
Profitability
ROA	0.85%	0.94%	1.28%	1.32%	1.23%	1.1%	1.22%	1.33%
ROE	10.38%	10.87%	14.55%	14.71%	12.96%	11.31%	12.45%	13.2%
Financial Health
Leverage (Debt/EBITDA)	-	-	-	-	-	-	-	-
Debt / Free cash flow	-	-	-	-	-	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	-	-	-	-	-	-	-	-
CAPEX / EBITDA (%)	-	-	-	-	-	-	-	-
CAPEX / FCF (%)	-	-	-	-	-	-	-	-
Items per share
Cash flow per share ¹	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
Dividend per Share ¹	0.7	1.8	1	1.2	1.2	1.595	1.754	1.937
Change	-	157.14%	-44.44%	20%	0%	32.92%	9.97%	10.41%
Book Value Per Share ¹	80.77	88.75	101.6	119.5	135	150.9	171.1	193.1
Change	-	9.88%	14.51%	17.55%	13.02%	11.79%	13.37%	12.87%
EPS ¹	7.94	9.06	14.13	15.87	16.37	16.11	20.14	24.23
Change	-	14.11%	55.96%	12.31%	3.15%	-1.59%	25%	20.33%
Nbr of stocks (in thousands)	19,96,158	21,01,528	21,15,207	24,35,352	24,55,829	24,62,116	24,62,116	24,62,116
Announcement Date	17/05/21	06/05/22	05/05/23	02/05/24	30/04/25	-	-	-