The Federal BankFDBAY 73 ROE % is 13.40% as of Mar. 2026, which is 21% above its 10-year median of 11.09. GuruFocus rates FDBAY with a GF Score™ of 73/100. The stock has 7 warning signs investors should review. Among 1,523 Banks companies, The Federal Bank ranks better than 61.2% on this metric.
The historical rank and industry rank for The Federal Bank's ROE % or its related term are showing as below:
FDBAY'
s ROE % Range Over the Past 10 Years
Min: 8.81 Med: 11.09 Max: 15.3
Current: 11.76
During the past 13 years, The Federal Bank's highest ROE % was 15.30%. The lowest was 8.81%. And the median was 11.09%.
FDBAY's ROE % is ranked better than 61.2% of 1523
companies
in the Banks industry
Industry Median: 10.22
vs FDBAY: 11.76
The Federal Bank (OTCPK:FDBAY) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
The Federal Bank ROE % Related Terms
The Federal Bank ROE % Historical Data
* Premium members only.
The historical data trend for The Federal Bank's ROE % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, The Federal Bank's ROE %, along with its competitors' market caps and ROE % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
The Federal Bank ROE % vs Banks Industry
For the Banks industry and Financial Services sector, The Federal Bank's ROE % distribution charts can be found below:
* The bar in red indicates where The Federal Bank's ROE % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
The Federal Bank (FDBAY) has a ROE % of 13.40% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on The Federal Bank and its competitors. This is 21% above median its historical median of 11.09. Over the past decade, The Federal Bank's ROE % has ranged from 8.81 to 15.30. According to the industry distribution chart, The Federal Bank ranks #591 out of 1523 companies in the Banks industry, placing it in the top 38.8%.
Is The Federal Bank's ROE % too high?
The Federal Bank's current ROE % of 13.40% is 21% above median its 10-year median of 11.09. Over the past 10 years, this metric has ranged from a low of 8.81 to a high of 15.30. The Banks industry median ROE % is 10.22. The Federal Bank's value of 13.40% is 31.1% above this industry median. Based on the distribution chart, The Federal Bank ranks #591 out of 1523 companies in the Banks industry, which is above the industry midpoint. Overall, The Federal Bank has a GF Score™ of 73/100, reflecting its overall financial health beyond just this single metric.
How does The Federal Bank's ROE % compare to competitors?
According to the Banks industry distribution chart, The Federal Bank ranks #591 out of 1523 companies for ROE %. This puts The Federal Bank in the upper half of its industry. The industry median ROE % is 10.22. The Federal Bank's value of 13.40% is 31.1% above this benchmark. Historically, The Federal Bank's own ROE % has ranged from 8.81 to 15.30 over the past decade. While the company's 10-year median is 11.09 vs. the industry median of 10.22, The Federal Bank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. The Federal Bank's current ROE % of 13.40% is 31.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on The Federal Bank and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The Federal Bank's current ROE % is 13.40%, which is 21% above median its own 10-year median of 11.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The Federal Bank stock overvalued right now?
The Federal Bank (FDBAY) has a current ROE % of 13.40%. The current ROE % is 13.40%, which is 21% above median its 10-year median of 11.09 and 31.1% above the Banks industry median of 10.22. The Federal Bank's overall GF Score™ is 73/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For The Federal Bank (FDBAY), the current ROE % is 13.40% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
The Federal Bank Ltd is an India-based commercial banking company. The company operates through a network of branches and ATMs across India. The company's business segments consist of the Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. The company generates key revenue from the Retail Banking segment, which is engaged in lending of funds, acceptance of deposits, and other banking services to any legal person, including small business customers, on the basis of the status of the borrower, nature of the product, granularity of the exposure, and quantum thereof.
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