(HDB) HDFC Bank - Overview
Exchange: NYSE •
Country: India •
Currency: USD •
Type: Common Stock •
ISIN: US40415F1012
Stock: Loans, Accounts, Cards, Payments, Insurance
Total Rating 20
Risk 31
Buy Signal -1.35
| Risk 5d forecast | |
|---|---|
| Volatility | 26.6% |
| Relative Tail Risk | -10.6% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.16 |
| Alpha | -7.37 |
| Character TTM | |
|---|---|
| Beta | 0.173 |
| Beta Downside | 0.075 |
| Drawdowns 3y | |
|---|---|
| Max DD | 26.94% |
| CAGR/Max DD | 0.03 |
EPS (Earnings per Share)
Revenue
Description: HDB HDFC Bank March 04, 2026
HDFC Bank Limited is an Indian financial institution offering a broad range of banking and financial services. Its operations span retail banking, wholesale banking, and treasury services, catering to individuals and businesses.
The company provides various deposit accounts, including savings, current, and specialized accounts like public provident fund and pension accounts. It also offers a diverse portfolio of loans, such as personal, home, and vehicle loans, alongside business and agricultural financing. The banking sector relies on interest income from such loan products.
HDFC Bank offers credit, debit, and prepaid cards, as well as payment and collection services. It also provides trade finance, hedging, and cash management solutions. Digital banking services, including online and mobile banking, are integral to its business model, reflecting the increasing trend of digital adoption in financial services.
The company operates a network of branches and ATMs, primarily in India, with an international presence in Bahrain, Hong Kong, Singapore, and Dubai. To learn more about HDFC Banks financial performance, consider exploring its detailed financials on ValueRay.
Headlines to watch out for
- Indian economic growth fuels loan demand and deposit inflows
- Interest rate fluctuations impact net interest margin
- Regulatory changes in Indian banking sector create compliance costs
- Competition from other banks and fintech firms pressures market share
- Asset quality deterioration from loan defaults reduces profitability
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 6.29k% > 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 March 14, 2026, the stock is trading at USD 28.50 with a total of 10,830,668 shares traded.
Over the past week, the price has changed by -4.21%, over one month by -13.19%, over three months by -21.56% and over the past year by -3.15%.
Over the past week, the price has changed by -4.21%, over one month by -13.19%, over three months by -21.56% and over the past year by -3.15%.
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 | 50.7% |
| Analysts Target Price | 43 | 50.7% |
HDB Fundamental Data Overview March 11, 2026
Market Cap INR = 14086.06b (152.47b USD * 92.388 USD.INR)
P/E Trailing = 20.3562
P/E Forward = 17.3611
P/S = 0.0536
P/B = 1.8141
P/EG = 1.0118
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 = 18323.31b INR (14086.06b + Debt 6158.34b - CCE 1921.09b)
Interest Coverage Ratio = 0.73 (Ebit TTM 1357.77b / Interest Expense TTM 1868.05b)
EV/FCF = 16.23x (Enterprise Value 18323.31b / FCF TTM 1129.22b)
FCF Yield = 6.16% (FCF TTM 1129.22b / Enterprise Value 18323.31b)
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 = 0.40 (Enterprise Value 18323.31b / 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 = 6.31% (E(14086.06b)/V(20244.40b) * Re(6.55%) + D(6158.34b)/V(20244.40b) * Rd(7.50%) * (1-Tc(0.23)))
Discount Rate = 6.55% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: 100.0 | Cagr: 0.69%
[DCF] Terminal Value 83.87% ; FCFF base≈1064.93b ; Y1≈994.65b ; Y5≈918.76b
[DCF] Fair Price = 3.80k (EV 24352.82b - Net Debt 4882.43b = Equity 19470.39b / Shares 5.13b; r=6.31% [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 = 20.3562
P/E Forward = 17.3611
P/S = 0.0536
P/B = 1.8141
P/EG = 1.0118
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 = 18323.31b INR (14086.06b + Debt 6158.34b - CCE 1921.09b)
Interest Coverage Ratio = 0.73 (Ebit TTM 1357.77b / Interest Expense TTM 1868.05b)
EV/FCF = 16.23x (Enterprise Value 18323.31b / FCF TTM 1129.22b)
FCF Yield = 6.16% (FCF TTM 1129.22b / Enterprise Value 18323.31b)
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 = 0.40 (Enterprise Value 18323.31b / 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 = 6.31% (E(14086.06b)/V(20244.40b) * Re(6.55%) + D(6158.34b)/V(20244.40b) * Rd(7.50%) * (1-Tc(0.23)))
Discount Rate = 6.55% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: 100.0 | Cagr: 0.69%
[DCF] Terminal Value 83.87% ; FCFF base≈1064.93b ; Y1≈994.65b ; Y5≈918.76b
[DCF] Fair Price = 3.80k (EV 24352.82b - Net Debt 4882.43b = Equity 19470.39b / Shares 5.13b; r=6.31% [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%