IDFC First Bank Limited
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from IDFC First Bank Limited's yearly results (2023–2026), compared with Financial Services companies in India. Tap ? on any ratio for what it means.
What stands out
- Shareholder Slice Ratio: Share count rose 30% in 3 years, so each share's slice of the company became smaller. Bigger rise in share count than 91% of Financial Services companies in India.
- Growth Efficiency Ratio: Sales grew 71% in 3 years, but profit fell: ₹7 less profit per ₹100 of extra sales. Lower than 87% of Financial Services companies in India.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 2/3Sales grew in 3 of the last 3 years; profit grew in 2 of 3.
Steadier than 56% of Financial Services companies in India.
Growth Efficiency Ratio
−₹7Sales grew 71% in 3 years, but profit fell: ₹7 less profit per ₹100 of extra sales.
Lower than 87% of Financial Services companies in India.
Asset Productivity Ratio
+71% / +67%In 3 years sales changed by +71% while total assets changed by +67%. Both moved at about the same pace.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
100%Of every ₹100 the company owns, ₹100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 66% of Financial Services companies in India.
Tangible Net Worth Ratio
100%Of every ₹100 of net worth, ₹100 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 53% of Financial Services companies in India.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
IDFC First Bank Limited owes ₹0.88 for every ₹1 it owns. Net profit rose 8% in the year to Mar 2026, and shrank 13% a year on average over 3 years.
Compared with Financial Services companies in India · latest annual results Mar 2026.
P/E ratio
27.9Investors pay ₹27.9 for every ₹1 of IDFC First Bank Limited's yearly profit, higher than 74% of Financial Services companies in India.
P/B ratio
1.28The share price is 1.28 times IDFC First Bank Limited's book value per share, lower than 54% of Financial Services companies in India.
Market cap
₹62,347 CrThe total market value of all of IDFC First Bank Limited's shares at today's price (share price × number of shares), larger than 84% of Financial Services companies in India. PosiCap size class: Meso Cap.
Net worth (book value)
₹48,776 CrWhat IDFC First Bank Limited would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
₹56.56Net worth divided by the number of shares. The share price of ₹72.30 is 1.3 times this, which is the P/B above.
Return on equity (ROE)
5.3%IDFC First Bank Limited earned 5.3% on its shareholders' money over the last year, lower than 73% of Financial Services companies in India.
Owes vs Owns
0.88×IDFC First Bank Limited owes ₹0.88 for every ₹1 it owns (high), higher than 82% of Financial Services companies in India. Banks and lenders usually show higher figures.
Dividend yield
0.31%IDFC First Bank Limited pays 0.31% of its share price as dividends a year, lower than 79% of dividend-paying Financial Services companies in India.
Revenue growth
+12%Revenue rose 12% in the year to Mar 2026, and grew 20% a year on average over 3 years.
Profit growth
+8%Net profit rose 8% in the year to Mar 2026, and shrank 13% a year on average over 3 years.
Profit margin
5.5%IDFC First Bank Limited keeps ₹5 of every ₹100 of revenue as net profit.
Questions
What is IDFC First Bank Limited's P/E ratio?
Investors pay ₹27.9 for every ₹1 of IDFC First Bank Limited's yearly profit, higher than 74% of Financial Services companies in India.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For IDFC First Bank Limited: ₹62,347 Cr ÷ ₹48,776 Cr (30 Jun 2026) = 1.3.
What is IDFC First Bank Limited's return on equity?
IDFC First Bank Limited earned 5.3% on its shareholders' money over the last year, lower than 73% of Financial Services companies in India.
How much does IDFC First Bank Limited owe compared with what it owns?
IDFC First Bank Limited owes ₹0.88 for every ₹1 it owns (high), higher than 82% of Financial Services companies in India. Banks and lenders usually show higher figures.
Does IDFC First Bank Limited pay a dividend?
Yes. IDFC First Bank Limited pays 0.31% of its share price as dividends a year, lower than 79% of dividend-paying Financial Services companies in India.
Is IDFC First Bank Limited's revenue growing?
Revenue rose 12% in the year to Mar 2026, and grew 20% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.