(HDB) HDFC Bank - Overview
Exchange: NYSE •
Country: India •
Currency: USD •
Type: Common Stock •
ISIN: US40415F1012
Stock:
Total Rating 25
Risk 39
Buy Signal -0.59
| Risk 5d forecast | |
|---|---|
| Volatility | 24.5% |
| Relative Tail Risk | -11.1% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.30 |
| Alpha | 1.31 |
| Character TTM | |
|---|---|
| Beta | 0.314 |
| Beta Downside | 0.172 |
| Drawdowns 3y | |
|---|---|
| Max DD | 24.68% |
| CAGR/Max DD | 0.07 |
EPS (Earnings per Share)
Revenue
Description: HDB HDFC Bank
HDFC Bank Limited provides banking and financial products and services to individuals and businesses in India, Bahrain, Hong Kong, Singapore, and Dubai. The company operates through Treasury, Retail Banking, Wholesale Banking, Other Banking Business, Insurance Business, and Other segments. It offers savings, salary, current, rural, public provident fund, pension, and demat accounts; fixed and recurring deposits; and safe deposit lockers, as well as offshore accounts and deposits, and overdrafts against fixed deposits. The company also provides personal, home, car, two-wheeler, business, doctor, educational, gold, consumer, and rural loans; loans against properties, securities, mutual funds, rental receivables, and assets; loans for professionals; government sponsored programs; and loans on credit card, as well as working capital and commercial/construction equipment finance, healthcare/medical equipment, commercial vehicle finance, dealer finance, and term loans. In addition, it offers credit, debit, prepaid, forex, and kisan gold cards; payment and collection, export, import, remittance, bank guarantee, letter of credit, trade, hedging, and merchant and cash management services; and insurance and investment products. Further, the company provides short term finance, bill discounting, structured finance, export credit, loan repayment, custodial, and documents collection services; online, mobile, and phone banking services; unified payment interface, immediate payment, national electronic funds transfer, and real time gross settlement services; channel financing, vendor financing, reimbursement account, money market, derivatives, employee trusts, cash surplus corporates, tax payment, and bankers to rights/public issue services; and financial solutions for supply chain partners and agricultural customers. It operates branches and automated teller machines in various cities/towns. The company was incorporated in 1994 and is headquartered in Mumbai, India.
Piotroski VR‑10 (Strict, 0-10) 2.0
| Net Income: 749.79b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.15 > 1.0 |
| NWC/Revenue: -605.6% < 20% (prev -606.4%; Δ 0.87% < -1%) |
| CFO/TA 0.02 > 3% & CFO 951.89b > Net Income 749.79b |
| Net Debt (4882.43b) to EBITDA (751.10b): 6.50 < 3 |
| Current Ratio: 0.07 > 1.5 & < 3 |
| Outstanding Shares: last quarter (5.15b) vs 12m ago 0.63% < -2% |
| Gross Margin: 63.48% > 18% (prev 0.62%; Δ 6286 % > 0.5%) |
| Asset Turnover: 10.18% > 50% (prev 9.14%; Δ 1.04% > 0%) |
| Interest Coverage Ratio: 0.73 > 6 (EBITDA TTM 751.10b / Interest Expense TTM 1868.05b) |
Altman Z'' -2.98
| A: -0.59 (Total Current Assets 1921.09b - Total Current Liabilities 29224.94b) / Total Assets 46260.35b |
| B: 0.12 (Retained Earnings 5589.50b / Total Assets 46260.35b) |
| C: 0.03 (EBIT TTM 1357.77b / Avg Total Assets 44271.08b) |
| D: 0.28 (Book Value of Equity 11236.89b / Total Liabilities 40392.28b) |
| Altman-Z'' Score: -2.98 = D |
Beneish M -2.91
| DSRI: 1.03 (Receivables 454.65b/379.13b, Revenue 4508.69b/3865.35b) |
| GMI: 0.97 (GM 63.48% / 61.65%) |
| AQI: 1.01 (AQ_t 0.96 / AQ_t-1 0.94) |
| SGI: 1.17 (Revenue 4508.69b / 3865.35b) |
| TATA: -0.00 (NI 749.79b - CFO 951.89b) / TA 46260.35b) |
| Beneish M-Score: -2.91 (Cap -4..+1) = A |
What is the price of HDB shares?
As of February 28, 2026, the stock is trading at USD 31.85 with a total of 5,189,375 shares traded.
Over the past week, the price has changed by -3.75%, over one month by -1.82%, over three months by -13.50% and over the past year by +8.62%.
Over the past week, the price has changed by -3.75%, over one month by -1.82%, over three months by -13.50% and over the past year by +8.62%.
Is HDB a buy, sell or hold?
HDFC Bank has received a consensus analysts rating of 4.75.
Therefore, it is recommended to buy HDB.
- StrongBuy: 3
- Buy: 1
- Hold: 0
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the HDB price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 43 | 34.9% |
| Analysts Target Price | 43 | 34.9% |
HDB Fundamental Data Overview February 28, 2026
Market Cap INR = 14915.13b (164.14b USD * 90.869 USD.INR)
P/E Trailing = 21.6216
P/E Forward = 16.9779
P/S = 0.0577
P/B = 2.8583
P/EG = 0.97
Revenue TTM = 4508.69b INR
EBIT TTM = 1357.77b INR
EBITDA TTM = 751.10b INR
Long Term Debt = 6158.34b INR (from longTermDebt, last quarter)
Short Term Debt = 1435.20b INR (from shortTermDebt, last fiscal year)
Debt = 6158.34b INR (from shortLongTermDebtTotal, last quarter)
Net Debt = 4882.43b INR (from netDebt column, last quarter)
Enterprise Value = 19152.38b INR (14915.13b + Debt 6158.34b - CCE 1921.09b)
Interest Coverage Ratio = 0.73 (Ebit TTM 1357.77b / Interest Expense TTM 1868.05b)
EV/FCF = 16.96x (Enterprise Value 19152.38b / FCF TTM 1129.22b)
FCF Yield = 5.90% (FCF TTM 1129.22b / Enterprise Value 19152.38b)
FCF Margin = 25.05% (FCF TTM 1129.22b / Revenue TTM 4508.69b)
Net Margin = 16.63% (Net Income TTM 749.79b / Revenue TTM 4508.69b)
Gross Margin = 63.48% ((Revenue TTM 4508.69b - Cost of Revenue TTM 1646.62b) / Revenue TTM)
Gross Margin QoQ = 61.05% (prev 56.96%)
Tobins Q-Ratio = 0.41 (Enterprise Value 19152.38b / Total Assets 46260.35b)
Interest Expense / Debt = 7.50% (Interest Expense 462.02b / Debt 6158.34b)
Taxrate = 23.26% (63.22b / 271.85b)
NOPAT = 1042.01b (EBIT 1357.77b * (1 - 23.26%))
Current Ratio = 0.07 (Total Current Assets 1921.09b / Total Current Liabilities 29224.94b)
Debt / Equity = 1.09 (Debt 6158.34b / totalStockholderEquity, last quarter 5647.39b)
Debt / EBITDA = 6.50 (Net Debt 4882.43b / EBITDA 751.10b)
Debt / FCF = 4.32 (Net Debt 4882.43b / FCF TTM 1129.22b)
Total Stockholder Equity = 5431.22b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.69% (Net Income 749.79b / Total Assets 46260.35b)
RoE = 13.81% (Net Income TTM 749.79b / Total Stockholder Equity 5431.22b)
RoCE = 11.72% (EBIT 1357.77b / Capital Employed (Equity 5431.22b + L.T.Debt 6158.34b))
RoIC = 7.93% (NOPAT 1042.01b / Invested Capital 13135.77b)
WACC = 6.69% (E(14915.13b)/V(21073.47b) * Re(7.07%) + D(6158.34b)/V(21073.47b) * Rd(7.50%) * (1-Tc(0.23)))
Discount Rate = 7.07% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: 100.0 | Cagr: 0.69%
[DCF] Terminal Value 82.28% ; FCFF base≈1064.93b ; Y1≈994.65b ; Y5≈918.76b
[DCF] Fair Price = 3328 (EV 21954.16b - Net Debt 4882.43b = Equity 17071.74b / Shares 5.13b; r=6.69% [WACC]; 5y FCF grow -8.39% → 2.90% )
EPS Correlation: 71.74 | EPS CAGR: 3.62% | SUE: 0.19 | # QB: 0
Revenue Correlation: 58.25 | Revenue CAGR: 392.0% | SUE: 0.80 | # QB: 0
EPS next Quarter (2026-06-30): EPS=0.42 | Chg7d=+0.000 | Chg30d=-0.009 | Revisions Net=-1 | Analysts=1
EPS next Year (2027-03-31): EPS=1.36 | Chg7d=-0.001 | Chg30d=-0.032 | Revisions Net=-2 | Growth EPS=+15.3% | Growth Revenue=+10.3%
P/E Trailing = 21.6216
P/E Forward = 16.9779
P/S = 0.0577
P/B = 2.8583
P/EG = 0.97
Revenue TTM = 4508.69b INR
EBIT TTM = 1357.77b INR
EBITDA TTM = 751.10b INR
Long Term Debt = 6158.34b INR (from longTermDebt, last quarter)
Short Term Debt = 1435.20b INR (from shortTermDebt, last fiscal year)
Debt = 6158.34b INR (from shortLongTermDebtTotal, last quarter)
Net Debt = 4882.43b INR (from netDebt column, last quarter)
Enterprise Value = 19152.38b INR (14915.13b + Debt 6158.34b - CCE 1921.09b)
Interest Coverage Ratio = 0.73 (Ebit TTM 1357.77b / Interest Expense TTM 1868.05b)
EV/FCF = 16.96x (Enterprise Value 19152.38b / FCF TTM 1129.22b)
FCF Yield = 5.90% (FCF TTM 1129.22b / Enterprise Value 19152.38b)
FCF Margin = 25.05% (FCF TTM 1129.22b / Revenue TTM 4508.69b)
Net Margin = 16.63% (Net Income TTM 749.79b / Revenue TTM 4508.69b)
Gross Margin = 63.48% ((Revenue TTM 4508.69b - Cost of Revenue TTM 1646.62b) / Revenue TTM)
Gross Margin QoQ = 61.05% (prev 56.96%)
Tobins Q-Ratio = 0.41 (Enterprise Value 19152.38b / Total Assets 46260.35b)
Interest Expense / Debt = 7.50% (Interest Expense 462.02b / Debt 6158.34b)
Taxrate = 23.26% (63.22b / 271.85b)
NOPAT = 1042.01b (EBIT 1357.77b * (1 - 23.26%))
Current Ratio = 0.07 (Total Current Assets 1921.09b / Total Current Liabilities 29224.94b)
Debt / Equity = 1.09 (Debt 6158.34b / totalStockholderEquity, last quarter 5647.39b)
Debt / EBITDA = 6.50 (Net Debt 4882.43b / EBITDA 751.10b)
Debt / FCF = 4.32 (Net Debt 4882.43b / FCF TTM 1129.22b)
Total Stockholder Equity = 5431.22b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.69% (Net Income 749.79b / Total Assets 46260.35b)
RoE = 13.81% (Net Income TTM 749.79b / Total Stockholder Equity 5431.22b)
RoCE = 11.72% (EBIT 1357.77b / Capital Employed (Equity 5431.22b + L.T.Debt 6158.34b))
RoIC = 7.93% (NOPAT 1042.01b / Invested Capital 13135.77b)
WACC = 6.69% (E(14915.13b)/V(21073.47b) * Re(7.07%) + D(6158.34b)/V(21073.47b) * Rd(7.50%) * (1-Tc(0.23)))
Discount Rate = 7.07% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: 100.0 | Cagr: 0.69%
[DCF] Terminal Value 82.28% ; FCFF base≈1064.93b ; Y1≈994.65b ; Y5≈918.76b
[DCF] Fair Price = 3328 (EV 21954.16b - Net Debt 4882.43b = Equity 17071.74b / Shares 5.13b; r=6.69% [WACC]; 5y FCF grow -8.39% → 2.90% )
EPS Correlation: 71.74 | EPS CAGR: 3.62% | SUE: 0.19 | # QB: 0
Revenue Correlation: 58.25 | Revenue CAGR: 392.0% | SUE: 0.80 | # QB: 0
EPS next Quarter (2026-06-30): EPS=0.42 | Chg7d=+0.000 | Chg30d=-0.009 | Revisions Net=-1 | Analysts=1
EPS next Year (2027-03-31): EPS=1.36 | Chg7d=-0.001 | Chg30d=-0.032 | Revisions Net=-2 | Growth EPS=+15.3% | Growth Revenue=+10.3%