— · NSE/BSE: FEDERALBNK
The Federal Bank Limited
Market Cap —
Verdict: Buy
Quality Scores
Multi-Bagger
76/100
Compounder Quality
88/100
Management Credibility
92/100
Governance
94/100
Cash Flow Quality
72/100
AI Summary
Federal Bank is a prominent private sector bank in India with a strong foothold in Kerala and a growing national presence, particularly in the gold loan and retail segments. Over the last decade, the bank has transitioned from a regional player to a tech-savvy mid-sized universal bank, consistently scaling its deposits and advances. The current market capitalization stands at ₹77,661 Cr with a healthy Net Interest Margin (NIM) of 3.18%. Asset quality has remained resilient with a Gross NPA of 1.72% and a commendable Net NPA of 0.42%. The bank showcases a robust capital adequacy ratio of…
Top Opportunities
- 24% 10-year PAT CAGR
- Consistent Gross NPA reduction to 1.72%
- Solid Capital Adequacy Ratio of 15.20%
Top Risks
- Extremely high contingent liabilities (Rs 2.17 Lakh Cr)
- Declining Financing Margin % in FY26
- Volatile Cash Flow from Operations
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