AI Summary
✦ ClarthaPrice Forecast
Probabilistic Range
Probabilistic lognormal cone using 1Y realized volatility and analyst-target drift when available.
Revenue Forecast
₹ CrEPS Forecast
₹ / shareMulti-factor synthesis of 5 key dimensions
From 34 analysts
Fundamentals
Fundamentals institutional score is 81 using growth durability 81.2.
Valuation
Valuation institutional score is 12 using relative multiple z-scores where peer dispersion is available.
Analyst Consensus
Analyst View institutional score is 48 using mean target upside 1.8%; dispersion penalty 15.6; recommendation breadth from available consensus.
Technical Structure
Technicals institutional score is 87 using EMA-20 continuation within 5% tolerance; VCP range/volume contraction proxy.
Market Sentiment
Recent news flow is balanced or not decisive enough to tilt the tape. Based on 5 recent ticker-linked news items.
Signal Summary
Market intelligence remains Neutral. fundamentals and technical structure provide support, while valuation and analyst consensus remain considerations.
Composite weights: Fundamentals 25%, Valuation 20%, Analyst Consensus 20%, Technical Structure 20%, Market Sentiment 15%.
Key Data Points
Important Note: This is market intelligence, not investment advice. Always conduct your own research and consider your financial goals and risk tolerance.
Valuation Metrics
Trading 82.9% above historical median. Valuation is rising — currently in the strongly overvalued zone (z-score: +2.62). Confidence: 73%.
Live forward EPS implies next-12-month EPS of ₹26.99. Applying the stock's normalized valuation corridor produces a fair range of ₹233.19 to ₹341.96, with base value near ₹279.62 (-21.1% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹26.99
Forward P/E
13.1x
Base Fair Value
₹279.62
Fair Range
₹233.19 - ₹341.96
Upside To Base
-21.1%
Estimate Source
Live forward EPS
Growth Estimate
+32.7%
5Y Average
1.77
Current
2.18
Overvalued
2.03
Undervalued
1.50
5Y Average
9.23
Current
18.95
Overvalued
12.67
Undervalued
8.64
5Y Average
2.79
Current
5.74
Overvalued
3.25
Undervalued
2.04
Peers & Comparison
Sector: Financials · Theme: Private Banks
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
KOTAK MAHINDRA BANK LTD KOTAKBANKPrivate Banks | +21.0% | 28.5% | 19.1x Fair | -15% vs avg | +0.4% |
IDBI BANK LIMITED IDBIPrivate Banks | — | 48.6% | 9.7x Undervalued | -57% vs avg | -6.1% |
YES BANK LIMITED YESBANKPrivate Banks | +19.8% | 23.2% | 18.9x Undervalued | -16% vs avg | +21.5% |
AXIS BANK LIMITED AXISBANKPrivate Banks | +14.0% | 36.0% | 13.8x Undervalued | -39% vs avg | +16.6% |
CITY UNION BANK LTD CUBPrivate Banks | +23.3% | 37.8% | 14.8x Undervalued | -34% vs avg | +38.3% |
IDFC FIRST BANK LIMITED IDFCFIRSTBPrivate Banks | -1.1% | 32.8% | 32.4x Premium | +44% vs avg | +23.2% |
KARUR VYSYA BANK LTD KARURVYSYAPrivate Banks | +26.0% | 41.3% | 11.8x Undervalued | -48% vs avg | +55.9% |
INDUSIND BANK LIMITED INDUSINDBKPrivate Banks | +1.0% | 7.6% | 59.4x Premium | +164% vs avg | +30.5% |
FEDERAL BANK LTD trades at a discount (18.9x vs peer avg 22.5x), suggesting potential undervaluation relative to the Private Banks cohort. Peers include KOTAK MAHINDRA BANK LTD, IDBI BANK LIMITED, YES BANK LIMITED — selected based on business model, industry classification, market cap similarity, and business theme alignment.
Financials
Real statement data for revenue, earnings quality, conversion, and balance-sheet coverage. Monetary values are shown in Rs crore.
Latest revenue
₹7.24K CrJun 2026Latest net profit
₹1.18K CrJun 2026Free cash flow
₹6.93K CrMar 2026Net Profit
₹1.18K CrProfit conversionPerformance
Bars show revenue and net profit. The line shows net margin.
- Revenue
- Net income
- Net margin %
Revenue to profit conversion
Bridge from operating numbers to profit for the latest reported period.
Latest reported period: Jun 2026
Debt level and coverage
Debt, cash and free cash flow compared on the same crore scale.
- Free cash flow
- Cash & equivalents
Results
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 5,025 | 5,455 | 5,730 | 5,978 | 6,331 | 6,577 | 6,809 | 6,648 | 6,687 | 6,742 | 6,868 | 7,399 | 7,238 |
| Interest | 3,106 | 3,399 | 3,607 | 3,783 | 4,039 | 4,210 | 4,377 | 4,271 | 4,350 | 4,247 | 4,215 | 4,226 | 4,292 |
| Expenses + | 1,504 | 1,506 | 1,640 | 1,744 | 1,851 | 1,924 | 2,070 | 2,056 | 2,294 | 2,296 | 2,356 | 2,782 | 2,415 |
| Financing Profit | 414 | 550 | 484 | 451 | 441 | 443 | 361 | 321 | 43 | 199 | 297 | 390 | 531 |
| Financing Margin % | 8% | 10% | 8% | 8% | 7% | 7% | 5% | 5% | 1% | 3% | 4% | 5% | 7% |
| Other Income + | 732 | 730 | 863 | 754 | 915 | 964 | 916 | 1,006 | 1,113 | 1,082 | 1,100 | 1,145 | 1,048 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 1,147 | 1,281 | 1,346 | 1,205 | 1,357 | 1,407 | 1,277 | 1,327 | 1,156 | 1,281 | 1,397 | 1,535 | 1,580 |
| Tax % | 26% | 26% | 25% | 25% | 26% | 25% | 25% | 22% | 25% | 25% | 25% | 18% | 25% |
| Net Profit + | 854 | 954 | 1,007 | 906 | 1,010 | 1,057 | 955 | 1,030 | 862 | 955 | 1,041 | 1,259 | 1,177 |
| EPS in Rs | 4.03 | 4.06 | 4.14 | 3.72 | 4.12 | 4.31 | 3.89 | 4.20 | 3.51 | 3.88 | 4.23 | 5.11 | 4.77 |
| Gross NPA % | 2.38% | 2.26% | 2.29% | 2.13% | 2.11% | 2.09% | 1.95% | 1.84% | 1.91% | 1.83% | 1.72% | 1.62% | 1.52% |
| Net NPA % | 0.69% | 0.64% | 0.64% | 0.60% | 0.60% | 0.57% | 0.49% | 0.44% | 0.48% | 0.48% | 0.42% | 0.20% | 0.18% |
| Raw PDF |
All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).
Events Timeline
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation