Federal Bank's Q1 FY 2025-26 Quarterly Results
- 03 Aug 2025
Result Summary
- Federal Bank Ltd reported a 16.3% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Jun (Q1 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a growth of 8.5%.
- Its expenses for the quarter were up by 11.4% QoQ and 8.6% YoY.
- The net profit decreased 4.6% QoQ and decreased 9.2% YoY.
- The earnings per share (EPS) of Federal Bank Ltd stood at 3.7 during Q1 FY 2025-26.
Financial Statments for Q1 FY 2025-26
Total Income | 8315.33 | 7149.12 | 7663.65 | 16.3% | 8.5% |
Total Expenses | 6608.29 | 5929.61 | 6086.43 | 11.4% | 8.6% |
Provisions & contingencies | 437.21 | -76.53 | 172.88 | -671.3% | 152.9% |
Profit Before Tax | 1269.83 | 1296.04 | 1404.34 | -2.0% | -9.6% |
Tax | 323.06 | 323.65 | 364.32 | -0.2% | -11.3% |
Profit After Tax | 950.59 | 996.17 | 1047.43 | -4.6% | -9.2% |
Earnings Per Share | 3.70 | 3.90 | 4.20 | -5.1% | -11.9% |
Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results
Company Overview
Federal Bank Ltd is a prominent player in the Indian banking sector, offering a comprehensive suite of financial services that includes commercial banking, retail banking, corporate banking, and treasury operations. The bank is known for its strong presence in both urban and rural India, providing a range of products that cater to a diverse clientele. Federal Bank has been focusing on digital transformation to enhance customer experience and operational efficiency. However, detailed recent developments specific to the company or any strategic initiatives were not provided in the current dataset. Consequently, insights into potential mergers, acquisitions, or partnerships remain unspecified.
Revenue
In the first quarter of fiscal year 2026 (Q1FY26), Federal Bank Ltd reported a total income of ₹8315.33 crores. This represents a 16.3% increase from the preceding quarter (Q4FY25), where total income was ₹7149.12 crores, and an 8.5% rise compared to the first quarter of the previous fiscal year (Q1FY25), which stood at ₹7663.65 crores. The quarter-over-quarter growth indicates a substantial increase in revenue generation activities. The year-over-year growth also reflects a positive trajectory in revenue enhancement over the one-year period.
Profitability
The bank's profit before tax (PBT) in Q1FY26 was ₹1269.83 crores, marking a slight decrease of 2.0% from Q4FY25's ₹1296.04 crores. Compared to the same quarter the previous year, the PBT showed a decline of 9.6% from ₹1404.34 crores. The profit after tax (PAT) for Q1FY26 was ₹950.59 crores, down 4.6% from Q4FY25's ₹996.17 crores, and a 9.2% decrease from ₹1047.43 crores in Q1FY25. The earnings per share (EPS) also saw a decline, recorded at ₹3.70 for Q1FY26, which is 5.1% lower than the previous quarter and 11.9% lower than the same quarter in the prior year. These figures suggest a contraction in profitability despite a rise in revenue.
Operating Metrics
Federal Bank Ltd experienced an increase in total expenses, which were ₹6608.29 crores in Q1FY26, up 11.4% from ₹5929.61 crores in Q4FY25 and 8.6% from ₹6086.43 crores in Q1FY25. Additionally, there was a notable increase in provisions and contingencies, which rose to ₹437.21 crores in Q1FY26, compared to a negative figure of -₹76.53 crores in Q4FY25 and ₹172.88 crores in Q1FY25, reflecting a significant percentage change. The tax expense slightly decreased by 0.2% quarter-over-quarter and 11.3% year-over-year, amounting to ₹323.06 crores in Q1FY26. These operating metrics highlight trends in expenditure and provisions that have impacted the company's financial outcomes in this reporting period.