IDFC First Bank Limited (IDFCFIRSTB.NS) stock analysis

In our weekly check, IDFC First Bank Limited is graded D (A to F). Of 24 checks on debt, profit, cash flow and trend: 10 pass, warnings: 4, red flags: 10.

About IDFC First Bank Limited

IDFC First Bank Limited is a Financial Services company (Banks - Regional) based in India, listed on NSE as IDFCFIRSTB.NS.

What our checks show for IDFCFIRSTB.NS

Red flags

• The gross margin fell by 5.6 points, to 58.4%: costs are rising faster than prices.
• Profits not backed by cash
• Analysts expect revenue to shrink about 1.5% a year.
• The stock has fallen as much as 78% from a peak. Would you have held through that?
• Recovering from its deepest fall took about 3.1 years.
• The share count grew by 24.5% in 2 years: each shareholder owns a smaller slice.
• Return on capital (ROCE) is only 0.8%.
• Pay in shares equals 0% of free cash flow: it dilutes shareholders.

Warning signs

• Earnings per share fell 4.3% a year over the last 3 years.
• The net margin is only 5.7%: little room if costs rise.
• Free cash flow is only 0% of revenue.
• Beta 1.39: the stock usually moves more than the market, both up and down.

Strengths

• The net margin rose by 5.1 points over 5 years, to 5.7%.
• Analysts expect earnings per share to grow about 46.2% a year over the next years.
• Analysts expect the net margin to improve by 9.6 points from today's 5.7%.
• Revenue grew 24.2% a year over the last 3 years.
• Actively traded: about 17.3 million shares a day.

Next earnings report: 2027-01-25

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Questions

What grade does IDFC First Bank Limited (IDFCFIRSTB.NS) have?

In our weekly check, IDFC First Bank Limited is graded D (A to F). Of 24 checks on debt, profit, cash flow and trend: 10 pass, warnings: 4, red flags: 10. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of IDFCFIRSTB.NS stock?

This week's biggest flags for IDFC First Bank Limited: Gross margin falling, Profits not backed by cash, Weak revenue forecast. In total 14 of 24 checks show a warning or a red flag.

What does IDFC First Bank Limited do?

IDFC First Bank Limited is a Financial Services company (Banks - Regional) based in India, listed on NSE as IDFCFIRSTB.NS.

When does IDFC First Bank Limited report earnings next?

The next earnings report is expected on 2027-01-25. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-31

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