Fedbank Financial Services Limited

NSEI:FEDFINA Stock Report

Market Cap: ₹35.0b

Fedbank Financial Services Valuation

Is FEDFINA undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation Score 4/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of FEDFINA when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: FEDFINA (₹94.09) is trading above our estimate of fair value (₹39.24)

Significantly Below Fair Value: FEDFINA is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for FEDFINA?

Key metric: As FEDFINA is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for FEDFINA. This is calculated by dividing FEDFINA's market cap by their current earnings.
What is FEDFINA's PE Ratio?
PE Ratio13.1x
Earnings₹2.68b
Market Cap₹34.99b

Price to Earnings Ratio vs Peers

How does FEDFINA's PE Ratio compare to its peers?

The above table shows the PE ratio for FEDFINA vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average20.7x
532900 Paisalo Digital
21.5x25.8%₹39.6b
MASFIN MAS Financial Services
17.9xn/a₹50.3b
SPANDANA Spandana Sphoorty Financial
27.3x84.8%₹26.0b
EQUITAS Equitas Holdings
16.2x44.7%₹41.1b
FEDFINA Fedbank Financial Services
13.1x33.8%₹35.0b

Price-To-Earnings vs Peers: FEDFINA is good value based on its Price-To-Earnings Ratio (13.1x) compared to the peer average (22.2x).

Price to Earnings Ratio vs Industry

How does FEDFINA's PE Ratio compare vs other companies in the IN Consumer Finance Industry?

1 CompanyPrice / EarningsEstimated GrowthMarket Cap
523384 Maha Rashtra Apex
0.7xn/aUS$27.23m
No more companies available in this PE range
FEDFINA 13.1xIndustry Avg. 21.1xNo. of Companies9PE01224364860+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: FEDFINA is good value based on its Price-To-Earnings Ratio (13.1x) compared to the Indian Consumer Finance industry average (21.1x).

Price to Earnings Ratio vs Fair Ratio

What is FEDFINA's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

FEDFINA PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio13.1x
Fair PE Ratio21.1x

Price-To-Earnings vs Fair Ratio: FEDFINA is good value based on its Price-To-Earnings Ratio (13.1x) compared to the estimated Fair Price-To-Earnings Ratio (21.1x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst FEDFINA forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current₹94.09
₹152.50
+62.1%
8.5%₹160.00₹130.00n/a4
Nov ’25₹107.54
₹152.50
+41.8%
8.5%₹160.00₹130.00n/a4
Oct ’25₹117.73
₹166.00
+41.0%
6.3%₹184.00₹160.00n/a4
Sep ’25₹119.97
₹166.00
+38.4%
6.3%₹184.00₹160.00n/a4
Aug ’25₹125.61
₹166.00
+32.2%
6.3%₹184.00₹160.00n/a4
Jul ’25₹123.69
₹166.00
+34.2%
6.3%₹184.00₹160.00n/a4
Jun ’25₹119.15
₹166.00
+39.3%
6.3%₹184.00₹160.00n/a4
May ’25₹128.30
₹166.00
+29.4%
6.3%₹184.00₹160.00n/a4
Apr ’25₹119.50
₹166.00
+38.9%
6.3%₹184.00₹160.00n/a4
Mar ’25₹122.80
₹168.00
+36.8%
6.7%₹184.00₹160.00n/a3

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.

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