IDFC First Financial institution Q3 outcomes 2025: IDFC First Financial institution is scheduled to announce its December quarter efficiency on Saturday, January 25. Analysts count on the financial institution to report a wholesome set of numbers however stay cautious about asset high quality, anticipating continued stress for mid-sized non-public banks, together with IDFC First Financial institution, which have important publicity to unsecured retail and MFI segments.
Q3FY25 outcomes preview
Motilal Oswal anticipates a 15.7% year-on-year (YoY) and three.6% quarter-on-quarter (QoQ) rise in internet curiosity earnings (NII) to ₹4958 crore. Working revenue is projected to develop 29.8% YoY and three.3% QoQ to ₹2027 crore. Nonetheless, internet revenue is anticipated to extend 149.3% QoQ whereas exhibiting a YoY decline of 30.1% to ₹500 crore.
The brokerage maintains a ‘Impartial’ ranking on the inventory with a goal worth of ₹64 per share.
Centrum Broking expects NII to develop by 17% YoY and 5% QoQ to ₹5001 crore, with working revenue rising 29% YoY and three% QoQ to ₹2038 crore. Internet revenue is projected to rise 160% QoQ however decline 25% YoY to ₹551 crore. The brokerage has a ‘Cut back’ ranking on the inventory with a goal worth of ₹58 per share.
Axis Securities famous that the advances and deposit progress momentum for IDFC First Financial institution stays wholesome, although it has slowed on a quarter-on-quarter foundation. NII progress is anticipated to remain strong, with margins seemingly starting from regular to exhibiting marginal enchancment.
Nonetheless, the cost-to-income (C-I) ratio is projected to stay elevated, which may dampen pre-provision working revenue (PPOP) progress. Credit score prices are anticipated to remain excessive to account for stress within the MFI phase, with asset high quality anticipated to witness slight deterioration.
The brokerage lists some key components to observe, together with the cost-to-income outlook, total enterprise progress, and asset high quality, notably inside the MFI phase, together with the outlook on credit score prices.
The brokerage forecasts a 15.2% YoY and three.1% QoQ bounce in NII to ₹4,937 crore, with working revenue anticipated to develop 28.9% YoY and a pair of.6% QoQ to ₹2,013 crore. Internet revenue is anticipated to extend 165% QoQ however lower 25.7% YoY to ₹532 crore.
Disclaimer: The views and proposals given on this article are these of particular person analysts. These don’t symbolize the views of Mint. We advise traders to verify with licensed specialists earlier than taking any funding choices.
