IDFC First Bank's Q4 FY 2025-26 Quarterly Results

Result Summary

• IDFC First Bank Ltd reported a 9.8% quarter-on-quarter (QoQ) decrease in its consolidated revenues for the quarter-ended Mar (Q4 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a growth of 14.7%.
• Its expenses for the quarter were down by 9.7% QoQ and up 16.1% YoY.
• The net profit decreased 38.2% QoQ and decreased 59.6% YoY.
• The earnings per share (EPS) of IDFC First Bank Ltd stood at 0.4 during Q4 FY 2025-26.

Financial Statments for Q4 FY 2025-26

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Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results

Company Overview

IDFC First Bank Ltd is a prominent banking institution in India, primarily engaged in providing a wide range of banking and financial services. The bank operates in various segments including retail banking, wholesale banking, and treasury operations. It offers an array of products and services such as loans, credit cards, savings accounts, and investment services. The bank has been actively expanding its retail banking operations and is known for its customer-centric approach. As of the data available, there are no specific recent developments provided; however, IDFC First Bank has been focusing on increasing its digital banking capabilities and expanding its reach across different regions in India.

Revenue

For the fourth quarter of the fiscal year 2026, IDFC First Bank Ltd reported a total income of ₹11,308.42 crores. This reflects a decrease of 9.8% compared to the previous quarter (Q3FY26), where the total income was ₹12,541.99 crores. On a year-over-year basis, the total income increased by 14.7%, up from ₹9,862.50 crores in the fourth quarter of the fiscal year 2025. These figures highlight the bank's revenue performance over the specified periods, showing both quarterly and annual variations in income generation.

Profitability

The profitability metrics for IDFC First Bank Ltd indicate a downward trend in the fourth quarter of FY26. The bank's profit before tax (PBT) stood at ₹344.32 crores, marking a significant decline of 43.7% from the previous quarter's PBT of ₹611.15 crores. Year-over-year, the PBT decreased by 63.7% from ₹948.38 crores in Q4FY25. Similarly, the profit after tax (PAT) for Q4FY26 was ₹295.60 crores, down by 38.2% QoQ and 59.6% YoY from ₹478.65 crores in Q3FY26 and ₹731.90 crores in Q4FY25, respectively. The earnings per share (EPS) for the quarter was ₹0.40, showing a decrease of 25.9% QoQ and 60.8% YoY. These profitability metrics provide an overview of the bank's earnings performance.

Operating Metrics

The operating metrics for IDFC First Bank Ltd in the fourth quarter of FY26 reveal a total expense of ₹9,513.63 crores, which is a 9.7% decrease from the previous quarter's expenses of ₹10,532.53 crores. On a year-over-year basis, the total expenses increased by 16.1% from ₹8,191.81 crores in Q4FY25. The provisions and contingencies for Q4FY26 were reported at ₹1,450.47 crores, reflecting a 3.7% increase from Q3FY26, where it stood at ₹1,398.31 crores. Year-over-year, the provisions and contingencies saw a substantial increase of 100.8% from ₹722.31 crores in Q4FY25. These operating metrics outline the bank's expense management and provisioning for potential financial obligations over the specified periods.