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IDFC First Bank Limited (IDFCFIRSTB) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of IDFC First Bank Limited stock ₹30.63, price ₹77.33, that is 60.4% below the price, quality 32 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services IN · ISIN INE092T01019

IF IDFC First Bank Limited logo Thin data Nov 7, 2026

IDFC First Bank Limited

IDFCFIRSTB · NSE
Very expensive, weak quality

Our calculation puts a fair price 60% below what the stock costs today.

Highly profitable · 32.8% net margin (TTM)
Mixed Growth (revenue 5y +20.5 %/yr in INR)
Moderate moat 59/100 · thin data
Fair value ₹30.63 · Strongly overvalued (−60.4%)
Quality 32/100
Trails peers (2/14)
Thin data
⚠ Dilution

Risks from the AI analysis

🚩Competition from HDFC Bank and fintechs
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

₹98.88 ₹29.05 Fair Value ₹30.63 Jul 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.

How to read this chart

60‑month range ₹29.05 – ₹98.88 · fair‑value band ₹29.15 – ₹32.23 · the ₹77.33 price screens above the ₹30.63 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.

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Company profile

IDFC First Bank Limited provides various banking and financial services in India. It operates through the Treasury, Corporate and Wholesale Banking, Retail Banking, and Other Banking Business segments.

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The company offers treasury and forex solutions, including correspondent banking, FX, cross-border swift, government bonds and strips, liberalized remittance scheme, and external commercial borrowing solutions, as well as treasury solutions comprising forwards, options, and swaps.

It also provides retail lending solutions, such as home loans, vehicle loans, consumer loans, education loans, personal loans, used car loans, gold loans, rural finance, and tractor finance; SME lending solutions that consist of loan against property, business banking, working capital loans, commercial vehicle loans, micro enterprise loans, trade advance, and startup banking; CASA and fixed deposits, which include current accounts, savings accounts, fixed deposits, nostro/vostro accounts, overdrafts, corporate salary accounts, accounts for ONDC, and escrow account; and NRI Banking that comprises NRE accounts, NRO accounts, seafarer accounts, FCNR deposits, and NRE/NRO deposits.

In addition, the company offers wealth management and distribution solutions, including distribution of life insurance, general insurance, credit shield, health insurance, mutual funds, and AIFs; credit cards; and FASTag, such as tag issuer, toll acquirer, toll, parking, and fuel solutions.

Further, it provides trade finance solutions that consist of letters of credit and discounting, bank guarantee, buyer's credit/SBLC, parking credit in foreign currency and INR, remittances, and pre and post shipment finance; supply chain financing; and transaction banking and CMS solutions.

The company was formerly known as IDFC Bank Limited and changed its name to IDFC First Bank Limited in January 2019. IDFC First Bank Limited was founded in 1997 and is headquartered in Mumbai, India.

Stock analysis

IDFC First Bank Limited (IDFCFIRSTB) currently trades at ₹77.33, while our model-based Fair Value estimate is ₹30.63, 60% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of ₹45.72 per share, and 0 of the 6 models we run sit above the ₹77.33 price.

Bear case: the Dividend Discount group reads lowest at ₹4.68, and 6 of the 6 models stay below the price. Data coverage for this calculation is low.

Scenario range: ₹29.15 (bear) to ₹32.23 (bull), the price of ₹77.33 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 32/100 (below-average quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

IDFC First Bank Limited reported revenue of ₹484B in FY2026 versus ₹208B in FY2022, a compound +23.6%/yr. Reported net income was ₹16.1B in FY2026, compounding +86.8%/yr from FY2022. FY2022 was a trough year, so the rate overstates the trend.

Key figures

Market cap ₹662B (≈ $7.1B) Mid · P/E ratio 40.3 · P/S ratio 1.34 · EPS (TTM) ₹1.92 · Net margin 3.3% · Return on equity 3.7% · Return on assets (EBIT) 0.8% (5-year average) · Operating margin 33.4%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 59 out of 100 (low confidence).

What moves the price

The share trades about 12% below its 52-week high and 31% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −60%, IDFCFIRSTB screens richer than that median.

Fair Value models

Bear ₹29.15 Fair Value ₹30.63 Bull ₹32.23
Price ₹77.33 · Downside -60.4%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 7 months old). Earnings retained since then (₹1.17 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income ₹36.19 ₹36.04 ₹37.92 76
Gordon GGM ₹2.70 ₹4.90 ₹6.80 68
DDM Multi-Stage ₹2.70 ₹4.46 ₹5.23 67
All 6 models by family
Dividend Discount
Gordon GGM ₹2.70 ₹4.90 ₹6.80 68
DDM Multi-Stage ₹2.70 ₹4.46 ₹5.23 67
Multiples
P/E Multiple ₹18.23 ₹24.30 ₹30.38 63
P/B Multiple ₹50.35 ₹67.13 ₹83.92 55
Asset-Based
NCAV (Graham) ₹26.87 ₹36.00 ₹53.73 54
Economic Profit
Residual Income ₹36.19 ₹36.04 ₹37.92 76

The fair value above starts from this blend and is adjusted for dilution from new shares.

Open the full fair value analysis →

Quality Score breakdown

Overall quality 32/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 17
How much profit the company makes from its sales and capital
Quality Growth 48
Are margins and returns getting better?
Cashflow 76
Do the profits arrive as real cash?
Financial strength 11
Debt, balance sheet and risk of trouble
Investment 36
Does it invest with discipline instead of growing at any price?
Low Volatility 81
How calm the share price moves, does not count
Price momentum 40
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 46
Distance to the 52-week high, does not count
New shares 0
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 86/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+11.0%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+21.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+20.5%
Start year 2021 (pandemic). Over 10 years: +28.2% a year
Revenue growth 10 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+28.2%
What shareholders gained per year (last 5 years), in INR ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in INR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
≈ +28.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year≈ +28.4%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.base effect: 28.4% / −0.8%
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.3% → 4%
⚠ Base effect: the rate starts in the earnings trough around 2021 (starting value 0.54 per share, median 1.84 in 2016 to 2019). It measures the recovery from the trough, not lasting growth.

IDFCFIRSTB screens overvalued: fair value 60% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks

Beats the industry median on 2/14 measures
Overall it trails its industry peers.
Valuation
Quality Score 32 · Bottom 25%
Fair Value upside −60.4% · Bottom 25%
Profitability
Return on equity (12 months) 3.7% · Bottom 25%
Return on assets 0.4% · Bottom 25%
Net margin (12 months) 32.8% · Above median
Operating margin (12 months) 33.4% · Below median
Growth and dividend
Revenue growth (quarter YoY) −1.1% · Bottom 25%
Dividend yield (12 months) 0.3% · Bottom 25%
Balance sheet
Debt / equity 0.82× · Highest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 40.3× · Priciest 25%
P/B 1.40× · Pricier than median
P/S (12 months) 21.88× · Priciest 25%
Price / free cash flow (fiscal year) 11.0× · Cheaper than median
EV/EBITDA 34.7× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)0 · sector 47
PAST (return on equity)15 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)6 · sector 53

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs IDFCFIRSTB
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs IDFCFIRSTB
BNP Paribas SA BNP €91.93 €106.01 +15% vs IDFCFIRSTB
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs IDFCFIRSTB
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs IDFCFIRSTB
UniCredit S.p.A UCG €76.80 €50.44 −34% vs IDFCFIRSTB
Mizuho Financial Group MFG $9.40 $5.90 −37% vs IDFCFIRSTB
DBS Group D05 69.72 SGD 40.39 SGD −42% vs IDFCFIRSTB
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs IDFCFIRSTB
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs IDFCFIRSTB

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IDFC First Bank Limited: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "IDFC First Bank Limited Fair Value". https://www.fairvalue-calculator.com/stock/IDFCFIRSTB

Frequently asked questions

Is IDFC First Bank Limited (IDFCFIRSTB) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of ₹30.63 versus a price of ₹77.33, about 60% lower (overvalued).
What is the fair value of IDFCFIRSTB?
Our model-based fair value for IDFC First Bank Limited is ₹30.63 (as of Nov 7, 2026), built from audited fundamentals. The current price: ₹77.33.
What is the quality score of IDFCFIRSTB?
IDFC First Bank Limited has a Quality Score of 32/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for IDFC First Bank Limited (IDFCFIRSTB)?
Our model-based price target is the fair value of ₹30.63 (as of Nov 7, 2026) from 6 valuation models. Cautious scenario ₹29.15, optimistic scenario ₹32.23. It is a calculation from audited fundamentals, not an analyst target.
What is the IDFC First Bank Limited stock forecast for 2026?
Our models put fair value at ₹30.63, about 60% lower versus a price of ₹77.33 (overvalued). Cautious scenario ₹29.15, optimistic scenario ₹32.23. The calculation is refreshed regularly with new filings.
What is the intrinsic value of IDFC First Bank Limited (IDFCFIRSTB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For IDFC First Bank Limited it is ₹30.63 per share (as of Nov 7, 2026), against a price of ₹77.33. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is IDFC First Bank Limited stock overvalued or undervalued in 2026?
As of Nov 7, 2026, IDFCFIRSTB trades above its calculated fair value: price ₹77.33, fair value ₹30.63, a gap of about −60% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of IDFCFIRSTB?
No. The price is what the market pays today (₹77.33); the fair value is what the company's own numbers justify (₹30.63). For IDFC First Bank Limited the two are ₹46.70 per share apart. That gap is exactly why we show both numbers side by side.
How much is IDFC First Bank Limited worth?
The market values IDFC First Bank Limited at about ₹662B (market capitalisation, as of Nov 7, 2026). Per share that is ₹77.33; our models calculate a fair value of ₹30.63 per share.
What do the bullish and bearish scenarios say about IDFCFIRSTB?
Our models span a range for IDFC First Bank Limited: cautious scenario ₹29.15, base ₹30.63, optimistic ₹32.23 per share (as of Nov 7, 2026, price ₹77.33). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of IDFCFIRSTB?
IDFC First Bank Limited trades at a price-to-earnings ratio of 40.3 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹30.63 is built from several models across several years. Other multiples: P/B 1.4, P/S 21.9, EV/EBITDA 34.7.
How solid is the balance sheet of IDFC First Bank Limited (IDFCFIRSTB)?
Balance-sheet figures for IDFC First Bank Limited (as of Nov 7, 2026): return on equity 3.7%, debt of 0.82 per unit of equity. They feed the Quality Score of 32/100, which measures business quality independently of the share price.
How far is IDFCFIRSTB from its 52-week high?
IDFC First Bank Limited trades at ₹77.33, about 12% below its 52-week high of ₹87.90 and 31% above the low of ₹58.85 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of ₹30.63 is for.
Which stocks are comparable to IDFC First Bank Limited?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is IDFC First Bank Limited stock attractive at the current price?
The data as of Nov 7, 2026: price ₹77.33, calculated fair value ₹30.63 (−60%), Quality Score 32/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of IDFCFIRSTB calculated?
We run IDFC First Bank Limited through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of ₹30.63 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. IDFC First Bank Limited itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of IDFC First Bank Limited (IDFCFIRSTB)?
The closing price on Nov 6, 2026 was ₹77.33. Our model-based fair value is ₹30.63, about 60% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with IDFC First Bank Limited right now?
The price sits above even our optimistic bull case (₹32.23). The favourable scenario is already priced in. Weak quality (32/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. The models converge in a tight band (₹29.15 to ₹32.23), unusually little disagreement for a valuation.
Where does the earnings growth of IDFC First Bank Limited (IDFCFIRSTB) come from?
Earnings per share at IDFC First Bank Limited grew +1.7 % a year from 2016 to 2026. Broken into its drivers: revenue per share +11.7 %, EBIT margin −8.6 %, tax rate +2.7 %, residual (interest, one-offs) −3.1 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of IDFC First Bank Limited

How large is the market capitalisation of IDFC First Bank Limited (IDFCFIRSTB)?
The market capitalisation of IDFC First Bank Limited is ₹662B (≈ $7.1B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of IDFC First Bank Limited (IDFCFIRSTB)?
The price-to-sales ratio of IDFC First Bank Limited is 1.34 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of IDFC First Bank Limited (IDFCFIRSTB)?
Earnings per share at IDFC First Bank Limited are ₹1.92 (price ÷ EPS = P/E 40.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of IDFC First Bank Limited (IDFCFIRSTB)?
The net margin of IDFC First Bank Limited is 3.3% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of IDFC First Bank Limited (IDFCFIRSTB)?
The return on equity (ROE) of IDFC First Bank Limited is 3.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of IDFC First Bank Limited (IDFCFIRSTB)?
On an EBIT basis the return on assets of IDFC First Bank Limited is 0.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of IDFC First Bank Limited (IDFCFIRSTB)?
The operating margin of IDFC First Bank Limited is 33.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at IDFC First Bank Limited (IDFCFIRSTB)?
Revenue at IDFC First Bank Limited is growing −1.1% versus a year earlier (3y avg +21.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at IDFC First Bank Limited (IDFCFIRSTB)?
Earnings per share at IDFC First Bank Limited are growing −23.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does IDFC First Bank Limited (IDFCFIRSTB) generate?
The free cash flow of IDFC First Bank Limited is ₹60.4B (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does IDFC First Bank Limited (IDFCFIRSTB) carry?
The net debt of IDFC First Bank Limited is ₹239B (fiscal year 2026, ≈ 4.0 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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