IDFC First Bank Limited Q1 FY26 earnings call summary

Earnings call of 26 Jul 2025, summarised by AI from the filing.

IDFC First Bank Q1 FY26 PAT ₹463 cr, down 32% Y-o-Y on microfinance stress; credit cost guided at 2-2.05% for FY26.

Key takeaways

1. Profit after tax ₹463 cr, up 52% sequentially but down 32% Y-o-Y on microfinance and higher provisions.
2. Credit cost guidance Guided at 2% to 2.05% for FY26, broadly as guided earlier.
3. NIM decline NIM moderated 24 bps to 5.71% on repo pass-through, MFI decline and wholesale scale-up.
4. Growth drivers Funded assets grew 21% Y-o-Y, led by business finance, vehicle loans and mortgages.

Original filing on BSE

IDFC First Bank Limited Q1 FY27 results

As filed: Revenue ₹11,051 cr, EBITDA −₹828 cr, PAT ₹1,148 cr, EBITDA margin -7.5%.

Not scored. Bank result format: not scored yet.

Earlier results and the share price after them

• Q4 FY26: Revenue ₹10,553 cr, EBITDA −₹1,429 cr, PAT ₹331 cr, EBITDA margin -13.5%. Not scored. Bank result format: not scored yet. Share price after the results: +3.3% in 30 days (Nifty 500: +1.6%).
• Q3 FY26: Revenue ₹10,417 cr, EBITDA −₹1,514 cr, PAT ₹479 cr, EBITDA margin -14.5%. Not scored. Bank result format: not scored yet. Share price after the results: −12.5% in 30 days (Nifty 500: −1.1%).
• Q2 FY26: Revenue ₹9,937 cr, EBITDA −₹1,467 cr, PAT ₹348 cr, EBITDA margin -14.8%. Not scored. Bank result format: not scored yet. Share price after the results: +12.7% in 30 days (Nifty 500: +1.5%).
• Q1 FY26: Revenue ₹9,642 cr, EBITDA −₹1,656 cr, PAT ₹453 cr, EBITDA margin -17.2%. Not scored. Bank result format: not scored yet. Share price after the results: −0.6% in 30 days (Nifty 500: +0.2%).
• Q4 FY25: Revenue ₹9,413 cr, EBITDA −₹1,551 cr, PAT ₹296 cr, EBITDA margin -16.5%. Not scored. Bank result format: not scored yet. Share price after the results: +0.8% in 30 days (Nifty 500: +4.9%).
• Q3 FY25: Revenue ₹9,343 cr, EBITDA −₹1,358 cr, PAT ₹340 cr, EBITDA margin -14.5%. Not scored. Bank result format: not scored yet.
• Q2 FY25: Revenue ₹8,957 cr, EBITDA −₹1,482 cr, PAT ₹212 cr, EBITDA margin -16.6%. Not scored. Bank result format: not scored yet.

Past price moves after results do not indicate future moves. Not a recommendation.

IDFC First Bank Limited earnings call, investor presentation and press release summaries

• Q1 FY27: Earnings call (25 Jul 2026), Results deck (25 Jul 2026), Results press release (25 Jul 2026)
• Q4 FY26: Earnings call (25 Apr 2026), Results deck (25 Apr 2026)
• Q3 FY26: Earnings call (31 Jan 2026), Results deck (31 Jan 2026), Results press release (31 Jan 2026)
• Q2 FY26: Earnings call (18 Oct 2025), Results deck (18 Oct 2025), Results press release (18 Oct 2025)
• Q1 FY26: Earnings call (26 Jul 2025), Results deck (26 Jul 2025), Results press release (26 Jul 2025)
• Q4 FY25: Earnings call (26 Apr 2025), Results deck (26 Apr 2025), Results press release (26 Apr 2025)
• Other events: Special call (23 Feb 2026), Strategy deck (17 Apr 2025)