The Federal Bank Limited (FEDERALBNK.BO) Q4 2024: Federalbnk Bo

Executive Summary

The Federal Bank Limited reported solid results for Q4 2024, with a revenue increase of 23.67% year-over-year, reaching INR 71.49 billion. However, net income experienced a slight decline of 6.24% quarter-over-quarter, amounting to INR 9.71 billion, due to increased operating expenses and competitive pressures. Management acknowledged the ongoing adjustments in the operating environment and emphasized the focus on cost management strategies while continuing to invest in technology and customer service enhancements. Overall, the bank appears committed to maintaining stability and growth in its core banking operations despite the external challenges in the financial services sector.

Key Performance Indicators

Revenue

71.49B

QoQ: 2.22% | YoY:23.67%

Operating Income

12.96B

QoQ: -8.72% | YoY:2.15%

Net Income

9.71B

QoQ: -6.24% | YoY:1.77%

EPS

3.99

QoQ: -6.86% | YoY:-11.61%

Revenue Trend

Margin Analysis

Key Insights

### Key Financial Metrics 1. **Revenue**: INR 71.49 billion (YoY: +23.67%, QoQ: +2.22%) 2. **Net Income**: INR 9.71 billion (YoY: +1.77%, QoQ: -6.24%) 3. **Operating Income**: INR 12.96 billion (YoY: +2.15%, QoQ: -8.72%) 4. **Earnings Per Share (EPS)**: INR 3.99 (YoY: -11.61%, QoQ: -6.86%) 5. **Net Profit Margin**: 13.58% 6. **Operating Margin**: 18.13% ### Trends The bank's revenue growth shows a positive long-term trend; however, profitability metrics indicate margin compression...

Financial Highlights

### Key Financial Metrics
1. Revenue: INR 71.49 billion (YoY: +23.67%, QoQ: +2.22%)
2. Net Income: INR 9.71 billion (YoY: +1.77%, QoQ: -6.24%)
3. Operating Income: INR 12.96 billion (YoY: +2.15%, QoQ: -8.72%)
4. Earnings Per Share (EPS): INR 3.99 (YoY: -11.61%, QoQ: -6.86%)
5. Net Profit Margin: 13.58%
6. Operating Margin: 18.13%

### Trends
The bank's revenue growth shows a positive long-term trend; however, profitability metrics indicate margin compression which has impacted net income and EPS. Strategic cost controls will be key to addressing this.

Income Statement

Metric	Value	YoY Change	QoQ Change
Revenue	71.49B	23.67%	2.22%
Operating Income	12.96B	2.15%	-8.72%
Net Income	9.71B	1.77%	-6.24%
EPS	3.99	-11.61%	-6.86%

Key Financial Ratios

currentRatio

0.25

grossProfitMargin

100%

operatingProfitMargin

-0.02%

netProfitMargin

13.6%

returnOnAssets

0.31%

returnOnEquity

3.22%

debtEquityRatio

0.84

priceToBookRatio

1.17

priceEarningsRatio

9.09

Net Income vs. Revenue

Expense Breakdown

Competitive Position

Company	Gross Margin	Operating Margin	Return on Equity	P/E Ratio
FEDERALBNK.BO Focus	1.00%	-0.02%	3.22%	9.09%

Period	Revenue ($M)	EPS ($)	YoY Growth	Report
Q1 2026	83,153.30	3.70	+16.3%	View
Q4 2024	71,491.20	3.94	+23.7%	View
Q3 2024	69,935.50	4.22	-48.2%	View
Q2 2024	65,482.00	4.29	-44.7%	View
Q1 2024	60,910.80	4.11	+25.8%	View

The Federal Bank Limited (FEDERALBNK.BO) Q4 2024 Earnings Report

Earnings Highlights

The Federal Bank Limited (FEDERALBNK.BO) Q4 2024 Financial Analysis: Stabilizing Growth Amid Challenges

Executive Summary

Key Performance Indicators

Revenue

Operating Income

Net Income

EPS

Revenue Trend

Margin Analysis

Key Insights

Financial Highlights

Income Statement

Key Financial Ratios

Net Income vs. Revenue

Expense Breakdown

Management Commentary

Forward Guidance

Competitive Position

Gross Profit Margin

Operating Profit Margin

Return on Equity

P/E Ratio Comparison

Investment Outlook

Key Investment Factors

Growth Potential

Profitability Risk

Financial Position

SWOT Analysis

Strengths

Weaknesses

Opportunities

Threats

Historical Earnings Comparison

The Federal Bank Limited (FEDERALBNK.BO) Q4 2024 Earnings Report

Earnings Highlights

Executive Summary

Key Performance Indicators

Revenue

Operating Income

Net Income

EPS

Revenue Trend

Margin Analysis

Key Insights

Financial Highlights

Income Statement

Key Financial Ratios

Net Income vs. Revenue

Expense Breakdown

Management Commentary

Forward Guidance

Competitive Position

Gross Profit Margin

Operating Profit Margin

Return on Equity

P/E Ratio Comparison

Investment Outlook

Key Investment Factors

Growth Potential

Profitability Risk

Financial Position

SWOT Analysis

Strengths

Weaknesses

Opportunities

Threats

Historical Earnings Comparison

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