IDFC First Bank Share: Should You Buy After Q4 Results 2025? Full Breakdown

Is IDFC First Bank share a good buy after Q4 results 2025? Dive into our detailed analysis of earnings, stock outlook, pros, cons, and market impact. Get the latest news and insights now!

IDFC First Bank Share Tanks After Q4 Results 2025: What’s Going On?

IDFC First Bank share is all over the news after the private lender dropped a mixed bag of Q4 results for FY25. While the IDFC First Bank share closed 2.45% lower at ₹65.99 on Friday, investors are now wondering if it’s the right time to jump in.

The bank reported a 58% drop in standalone net profit, sliding to ₹304 crore compared to ₹724.3 crore a year earlier. Honestly, that’s a steep fall that caught the market off guard, and it’s putting a lot of pressure on the IDFC First Bank share right now.

Breaking Down the Q4 2025 Numbers

If you’re tracking the IDFC First Bank share, here’s the scoop:

• Net Interest Income (NII): ₹4,907.1 crore, up 9.8% YoY.
• Total Income: ₹11,308 crore vs ₹9,861 crore YoY.
• Interest Income: ₹9,413 crore, a solid bump from ₹8,219 crore.
• Gross NPA Ratio: Slightly better at 1.87% (from 1.88%).
• Net NPA: Improved to 0.53% from 0.60%.
• Provisions (Excl. Taxes): Jumped to ₹1,450 crore vs ₹722 crore.

The dividend cherry? The board declared a ₹0.25 per share dividend, pending shareholder approval.

All of this is crucial to understand where the IDFC First Bank share is heading next.

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Pros of Investing in IDFC First Bank Share

• Steady Income Growth: Despite the net profit dip, income streams like NII and interest income show growth, keeping IDFC First Bank share resilient.
• Better Asset Quality: Slight improvements in gross and net NPAs reflect cleaner books, a big green flag for the IDFC First Bank share.
• Dividend Play: A dividend boost adds to shareholder value, a plus for long-term IDFC First Bank share investors.
• Core Business Strength: Excluding microfinance woes, the bank’s core operating profit grew 19.9% YoY, hinting at strong fundamentals.

Cons of Investing in IDFC First Bank Share

• Profit Plunge: That 58% nosedive in profits? Not good news for short-term momentum on the IDFC First Bank share.
• High Provisions: Doubling provisions could hurt profitability further and weigh down IDFC First Bank share.
• Microfinance Struggles: With the sector facing headwinds, expect volatility around IDFC First Bank share until things stabilize.
• Correction Mode: Technically, the stock has been under a price and time correction since September 2023, according to market expert Sugandha Sachdeva.

Short-term vs Long-term Impact on IDFC First Bank Share

Short-term:
The IDFC First Bank share might see some sideways or bearish movement as the market digests the profit slump and rising provisions. Traders should tread carefully.

Long-term:
If management can navigate microfinance challenges and continue growing core operations, the IDFC First Bank share could offer solid returns over the next 2–3 years, especially given improved asset quality and income growth.

Expert Take: Is IDFC First Bank Share a Buy, Sell, or Hold?

According to Seema Srivastava from SMC Global Securities, despite the earnings miss, the IDFC First Bank share reflects resilience and growth potential. Investors with a long-term view might find opportunities, but caution is the word in the short term.

4 Latest Market Trends You Should Know [April 2025]

1. RBI Keeps Rates Steady
RBI decided to keep repo rates unchanged at 6.5% in its latest policy meeting, signaling stability ahead. Source: Moneycontrol

2. Sensex Crosses 77,000 Mark
Driven by IT and banking stocks (excluding IDFC First Bank share), Sensex crossed a record 77,000 mark. Source: LiveMint

3. Microfinance Sector Under Pressure
Following weak numbers across players, microfinance stocks (like IDFC First) are facing bearish sentiment. Source: Economic Times

4. FIIs Turn Net Buyers Again
Foreign Institutional Investors (FIIs) have pumped in over $3 billion in Indian equities in April 2025. Source: Business Standard

Final Word: Should You Buy IDFC First Bank Share Post Q4 Results?

If you’re a short-term trader, maybe hold off for now until the dust settles around IDFC First Bank share. However, if you’re a long-term investor looking for steady income and believe in the bank’s management and strategy, the current correction could be an opportunity to start nibbling.

Just keep an eye on the microfinance sector and quarterly updates before going all-in on IDFC First Bank share.