IDFC First Bank Limited
Quality (78/100) does the heavy lifting; financial trend (11/100) is the drag.
Fair valueOvervaluedIDFC First Bank Limited earns a Hold from StocksWizard, with a blended score of 45/100. We put fair value near ₹55.45; at ₹86.21 that leaves roughly 36% downside, so the stock screens overvalued by 36%. On 42.1x trailing earnings it sits pricier than the Financial Services median of about 24.3x. It's trading right at its 52-week high of ₹87.5. Financial health scores 60/100, with a Piotroski F-score of 3/9. The average analyst target of ₹75.84 implies about 12% downside across 19 analysts. It clears 5 of 10 investability checks, with durability 78, valuation 36 and momentum 71 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹44.36.
Analyst views
1-year price
EOD · 2026-09-1252-week range
-1.47% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Hold45Piotroski F-score 3/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- No data: ROE above 15%
- No data: Low debt (D/E < 0.5)
- Pass: Positive free cash flow
- Fail: Revenue growth > 10%: -1%
- Fail: Earnings growing: -23%
- Pass: Net margin ≥ 10%: 32.8%
- No data: Current ratio > 1.5
- Fail: Below our fair value
- Fail: Margin of safety ≥ 20%
- Pass: Above 200-day average
- Pass: Above 50-day average
- Pass: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 3/9
Quarterly results
Annual financials
Shareholding
- Promoter14.0%
- Institutions44.2%
- Public & other41.9%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (32.8%).
- Trading near its 52-week high.
Bear case
Weaknesses
- Weak Piotroski score (3/9).
Threats
- Earnings contracting year on year.
- Trades ~36% above our estimated fair value.
About IDFC First Bank Limited
IDFC First Bank Limited operates a diversified banking business in India across treasury, corporate and wholesale banking, and retail segments. The bank provides treasury and forex solutions including correspondent banking, foreign exchange, cross-border payments, government securities, and external commercial borrowing facilities, alongside derivative instruments such as forwards and options.
IDFC First Bank Limited — frequently asked questions
Is IDFC First Bank Limited a buy, hold or sell?
StocksWizard currently rates IDFC First Bank Limited (IDFCFIRSTB) a Hold, based on a blended score of 45/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is IDFC First Bank Limited's fair value?
Our blended DCF and relative-valuation model estimates IDFC First Bank Limited's fair value at about ₹55.45, versus a current price of ₹86.21 — roughly 36% downside. On that basis the stock looks overvalued by 36%.
Is IDFC First Bank Limited financially healthy?
IDFC First Bank Limited scores 60/100 on our financial-health model, with a Piotroski F-score of 3/9.
How has IDFC First Bank Limited's share price performed?
IDFC First Bank Limited is up 19% over the past year and up 12% over three months, and last traded at ₹86.21. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.