FINANCIAL SERVICES · NSE/BSE: IDFCFIRSTB

IDFC First Bank Limited Earnings Summary — Q1 FY2027

Sentiment: Positive

AI-generated summary

Generated 2026-10-22

Business Intelligence Report

IDFC First Bank Limited Q1 FY2027 results: Profit up +153.1% YoY; revenue grew +14.6% YoY; OPM 38.5%.

Quarterly Business Intelligence

Q1 FY2027

Financials from Financial Intelligence · data as of 2026-06-30

Revenue

₹11,051 Cr

QoQ +4.7%YoY +14.6%

Net Profit

₹1,148 Cr

QoQ +247.2%YoY +153.1%

Operating Profit

₹4,249 Cr

QoQ +23.3%YoY +39.2%

Operating Margin

38.5%

QoQ +579 bpsYoY +678 bps

AI Quarterly Scorecard™

/ 100

Strong

Revenue Momentum83

Profit Growth96

Margin Expansion83

Growth Consistency86

Operating Efficiency96

Financial Stability55

Computed deterministically from the last 10 reported quarters.

Quarterly Business Momentum

Revenue & Growth

Revenue has increased for 10 consecutive quarters.
Revenue of ₹11,051 Cr is 14.6% higher year-on-year.
Revenue has compounded at 14.1% annualised over the last 10 quarters.
Revenue is at its highest level in 10 quarters.

Profitability

Net profit has reached its highest level in 10 quarters.
Net profit of ₹1,148 Cr is 153.1% above the same quarter last year.
Profit growth is outpacing revenue growth, pointing to positive operating leverage.
Net profit has compounded at 22.1% annualised across the period.

Margins

Operating margin stands at 38.5% in Q1 FY2027.
Operating margin expanded by 678 bps year-on-year.
Over the last two years operating margin has expanded by 8 bps.
PBT margin is 13.4%.

Operating Efficiency

Expense growth of 3.2% remained below revenue growth of 14.6%.
Operating profit of ₹4,249 Cr is 39.2% higher year-on-year.
Operating leverage continues to improve.

Overall Momentum

6 of the last 6 measured quarters delivered year-on-year revenue growth.
Overall quarterly business momentum scores 83/100 (Strong) on the latest 10 quarters.
Business momentum remains positive heading into the next quarter.

Quarterly Financials

Last 10 Reported Quarters • All figures in ₹ Crore • Margins in %

Metric	Trend	Latest Q1 FY2027	Q4 FY2026	Q3 FY2026	Q2 FY2026	Q1 FY2026	Q4 FY2025	Q3 FY2025	Q2 FY2025	Q1 FY2025	Q4 FY2024
Revenue	Improving	11,051	10,553	10,417	9,937	9,642	9,413	9,343	8,957	8,789	8,220
Expenses	Improving	6,802	7,106	7,006	6,581	6,589	6,459	6,260	6,271	5,417	5,164
Operating Profit	Improving	4,249	3,446	3,411	3,356	3,053	2,954	3,083	2,687	3,372	3,056
Operating Margin	Stable	38.5%	32.7%	32.7%	33.8%	31.7%	31.4%	33.0%	30.0%	38.4%	37.2%
Other Income	Improving	2,310	1,630	2,125	1,891	2,227	1,895	1,780	1,727	1,574	1,642
Interest	Improving	5,077	4,876	4,924	4,824	4,709	4,505	4,440	4,169	4,093	3,750
Depreciation	Insufficient data	—	—	—	—	—	—	—	—	—	—
Profit Before Tax	Volatile	1,482	201	611	424	571	344	422	245	853	948
Tax	Volatile	334	-130	133	76	118	49	82	33	210	216
Net Profit	Volatile	1,148	331	479	348	453	296	340	212	643	732
Net Margin	Volatile	10.4%	3.1%	4.6%	3.5%	4.7%	3.1%	3.6%	2.4%	7.3%	8.9%

Source: Financial Intelligence (Structured Quarterly Data)•Latest Quarter: Q1 FY2027•Figures in ₹ Crore • Margins in %•Automatically updated from Financial Intelligence · 2026-06-30

Key Takeaways

Profit up +153.1% YoY; revenue grew +14.6% YoY; OPM 38.5%.

Official Quarterly Documents

Earnings Press Release

Official quarterly earnings release published by the company.

Press Release not available.

Earnings Call Transcript

Management discussion and analyst Q&A.

This summary is AI-generated from IDFC First Bank Limited's latest quarterly filing and earnings call. For informational purposes only — not investment advice.