How has IDFC First Bank (IDFCFIRSTB) been performing? We dig into revenue, profitability, valuation, and ownership trends.
IDFC First Bank Revenue Trend
IDFC First Bank's top line grew 19.9% to ₹43,478 Cr in FY2025, compared to ₹36,257 Cr in FY2024.
IDFC First Bank has delivered a 30.2% revenue CAGR over 9 years — strong, sustained top-line expansion from ₹4,052 Cr to ₹43,478 Cr.
In terms of scale, IDFC First Bank's ₹43,478 Cr in annual revenue positions it as a major banks company.
Looking at the year-on-year numbers, IDFC First Bank has seen 9 years of unbroken revenue growth.
| Year | Revenue | YoY % |
|---|---|---|
| FY2025 | ₹43,478 Cr | +19.9% |
| FY2024 | ₹36,257 Cr | +33.3% |
| FY2023 | ₹27,195 Cr | +33.7% |
| FY2022 | ₹20,345 Cr | +11.7% |
| FY2021 | ₹18,222 Cr | — |
View IDFC First Bank's full 10-year revenue trend with CAGR analysis →
IDFC First Bank Profitability
IDFC First Bank's profitability took a step back in FY2025, with net income falling 49.3% to ₹1,490 Cr.
Profitability per rupee of revenue dipped, with net margin at 3.4% against 8.1% in FY2024.
Earnings per share (diluted) were ₹2.03 in FY2025, down from ₹4.23.
Is IDFC First Bank Undervalued
Under the P/E Ratio approach, IDFC First Bank's estimated fair value is ₹80 (11.0% upside).
IDFC First Bank shares are currently trading at ₹71.78.
Craytheon also calculates intrinsic value using the EPS Growth, P/B Ratio, and DDM models. The full breakdown with assumptions is available in the detailed analysis.
| Model | Est. Fair Value | vs. Current Price |
|---|---|---|
| P/E Ratio | Upgrade | Upgrade |
| EPS Growth | Upgrade | Upgrade |
| P/B Ratio | ₹80 | 11.0% upside to fair value |
| DDM | Upgrade | Upgrade |
See all valuation models for IDFC First Bank with detailed assumptions →
IDFC First Bank Shareholding Pattern
IDFC First Bank is a widely held company with no promoter group. Ownership is distributed across institutional and public shareholders.
As of March 2026, FIIs own 36.5% of the company — up from 23.8% a year earlier.
DII ownership is at 22.7%, down from the 23.4% recorded a year ago.
| Quarter | Promoter | FII | DII | Public |
|---|---|---|---|---|
| Mar 2026 | 0.0% | 36.5% | 22.7% | 32.9% |
| Dec 2025 | 0.0% | 36.8% | 22.4% | 33.0% |
| Sep 2025 | 0.0% | 24.6% | 24.3% | 41.9% |
| Jun 2025 | 0.0% | 23.8% | 23.4% | 43.6% |
Track quarterly shareholding changes for IDFC First Bank →
IDFC First Bank Balance Sheet
Proportional view as of 3 Jun 2026. Hover blocks for details.
Assets
Liabilities & Equity
FY2025 total assets: ₹3,439.09B (up 16.1% YoY from ₹2,962.10B).
Top categories: Loans & Advances (67.8%), Investments (23.4%), Other Assets (4.4%).
Of the ₹3,439.09B in liabilities and equity, 73.3% is Deposits, 11.3% is Borrowings, 11.1% is Equity, and 4.3% is Other Liabilities. Over the year, deposits are up 25.6% and equity is up 18.2%.
Balance sheet composition — FY 2025
| Category | Value |
|---|---|
| Cash | 150.99B |
| Loans & Advances | 2,331.13B |
| Investments | 805.05B |
| Other Assets | 151.92B |
| Category | Value |
|---|---|
| Equity | 381.56B |
| Deposits | 2,520.10B |
| Borrowings | 389.84B |
| Other Liabilities | 147.59B |
What Stands Out About IDFC First Bank
Here's the bottom line on IDFC First Bank (IDFCFIRSTB) based on the latest available financials.
Revenue of ₹43,478 Cr in FY2025, up 19.9% year-over-year.
Long-term revenue has been compounding at 30.2% annually over 9 years.
The company is profitable, with a net margin of 3.4% and net income of ₹1,490 Cr.
The P/B Ratio model implies 11.0% upside to fair value from the current price. The remaining three models are worth cross-checking before drawing a conclusion — sign up to see the full analysis.
Unlock Full Analysis
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