Fedbank Financial Services Ltd

544027 Momentum

Summary

Fair Value Assessment
Momentum
Undervalued (20% Discount)
Fair ValueQ107.82UncertaintyHigh
Close Price85.98Mar 13, 2025
Price Down by |%
Chart Data Not Available
Previous Close
85.98
Day Range
85.58 – 88.95
Year Range
85.58 – 133.15
Bid / Ask
Market Cap
32.0 Bil
Volume / Average
56.1 k / 44.3 k
Beta (1-Year)
Shares Outstanding
372.70 Mil
Primary Exchange
Bombay Stock Exchange

Business Description
Fedbank Financial Services Ltd is a retail-focused non-banking finance company. It is focused on catering to the MSMEs and the emerging self-employed individuals (ESEIs) sector. It has a well-tailored suite of products targeted to match its customers’ needs, which includes mortgage loans such as housing loans; small ticket loans against property (LAP); medium ticket LAP, unsecured business loans, and gold loans. It also has a Phygital doorstep model, a combination of digital and physical initiatives, for providing customized services to its customers across all of its products. The company’s operations are classified into three business segments; the Retail Finance segment which derives the majority of its revenue, Distribution segment, and the Wholesale Finance segment.
Contact
Paspoli, Plot No. 71 A Unit No. 1101, 11th Floor, Cignus, Mumbai, MH 400087
T +91 2268520601
www.fedfina.com opens in a new tab
Sector
Financial Services
Industry
Credit Services
Most Recent Earnings
Dec 31, 2024
Fiscal Year End
Mar 31, 2025
Employees
4,298

Key Metrics

Income Statement (in Bil, except ratios)
12/31/2024
03/2024
03/2023
03/2022
03/2021
03/2020
Revenue
18.69 15.22 11.51 8.54 6.79
Revenue Growth %
26.85% 32.25% 34.81% 25.81%
Gross Profit
7.10 5.47 4.51 3.42 2.44
Gross Profit Margin %
37.96% 35.93% 39.20% 40.02% 36.02%
Operating Income
4.57 3.53 2.94 2.17 1.44
Operating Margin %
24.43% 23.21% 25.50% 25.40% 21.22%
EBIT
2.96 3.03 2.36 1.37 0.76
EBIT Margin %
15.83% 19.88% 20.53% 16.09% 11.18%
EBITDA
3.41 3.40 2.78 1.74 1.03
EBITDA Margin %
18.24% 22.33% 24.16% 20.38% 15.19%
Net Income
2.21 2.45 1.80 1.03 0.62
Net Profit Margin %
11.83% 16.07% 15.65% 12.12% 9.09%
Basic EPS
5.97 7.22 4.95
Diluted EPS
5.95 7.12 4.95
Normalized EPS
6.35 7.20 5.10
Total Dividends per Share
Balance Sheet (in Bil, except ratios)
09/30/2024
03/2024
03/2023
03/2022
03/2021
03/2020
Total Assets
126.34 111.38 90.71 65.56 54.66
Total Liabilities
102.32 88.77 77.15 54.02 46.32
Total Debt
95.39 83.40 72.70 51.54 44.53
Total Equity
24.02 22.61 13.56 11.54 8.35
Cash And Cash Equivalents
3.16 1.57 0.94 0.66 5.26
Working Capital
116.13 22.01 17.57 14.70 13.61
Shares Outstanding (Bil)
Book Value Per Share
60.87
Total Debt To Equity
3.97 3.69 5.36 4.47 5.33
Cash Flow Statement (in Bil, except ratios)
09/30/2024
03/2024
03/2023
03/2022
03/2021
03/2020
Cash From Operating Activities
-16.92 -7.76 -14.74 -5.78 -3.71
Cash From Investing Activities
-4.03 -1.00 -1.30 -4.17 -0.71
Cash From Financing Activities
14.89 9.67 16.32 5.35 8.26
Capital Expenditures
0.14 0.15 0.27 0.11
Free Cash Flow
2.92 2.41 1.58 1.32
Change in Cash
-6.07 0.92 0.28 -4.60 3.84

Profile

There is no Key Executive Team data available.
Transaction History

Shares in Thousands
0 5 10 15 20 25 30 35 40
>
No Data Available
There is no available information for this investment.
Sep
2023
    • Buy
    • Acquisition
    • Option Exercise
    • Disposition
    • Sell
Transaction Detail
No Data Available
There is no available information for this investment.

Ownership


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