(HDB) HDFC Bank - Ratings and Ratios
Loans, Deposits, Cards, PaymentServices, BankingServices
HDB EPS (Earnings per Share)
HDB Revenue
Description: HDB HDFC Bank
HDFC Bank Limited is a leading banking and financial services company operating in India and several international markets, including Bahrain, Hong Kong, Singapore, and Dubai. The banks diverse operations are segmented into Treasury, Retail Banking, Wholesale Banking, and Other Banking Services, offering a broad range of financial products and services to individuals and businesses.
The banks retail banking segment provides various deposit products, such as savings, salary, current, and fixed deposits, as well as credit products like personal, home, car, and education loans. Additionally, HDFC Bank offers credit, debit, and prepaid cards, and various payment and collection services. Its wholesale banking segment caters to corporate clients, providing working capital finance, term loans, and trade finance solutions.
From a financial performance perspective, HDFC Bank has demonstrated strong growth and profitability. Key Performance Indicators (KPIs) such as Return on Equity (RoE) of 14.78% and a forward Price-to-Earnings (P/E) ratio of 16.98 suggest a relatively stable and profitable business model. The banks market capitalization stands at approximately $196.89 billion USD, indicating its significant presence in the global banking industry.
Operationally, HDFC Bank has an extensive network of branches and automated teller machines (ATMs) across various cities and towns, facilitating its wide range of banking services. The bank has also invested in digital banking infrastructure, offering online, mobile, and phone banking services, as well as unified payment interface (UPI) and real-time gross settlement (RTGS) services, enhancing customer convenience and experience.
To further evaluate HDFC Banks performance, other relevant KPIs could be considered, such as Net Interest Margin (NIM), Gross Non-Performing Assets (NPAs) ratio, and Cost-to-Income ratio. These metrics can provide insights into the banks asset quality, profitability, and operational efficiency, respectively. For instance, a stable NIM would indicate the banks ability to maintain a healthy margin between its interest income and expenses. A low Gross NPAs ratio would suggest effective credit risk management, while a decreasing Cost-to-Income ratio would imply improving operational efficiency.
Additional Sources for HDB Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle
HDB Stock Overview
Market Cap in USD | 192,235m |
Sector | Financial Services |
Industry | Banks - Regional |
GiC Sub-Industry | Diversified Banks |
IPO / Inception | 2001-07-20 |
HDB Stock Ratings
Growth Rating | 29.9 |
Fundamental | 28.2 |
Dividend Rating | 49.5 |
Rel. Strength | 4.91 |
Analysts | 4.75 of 5 |
Fair Price Momentum | 71.17 USD |
Fair Price DCF | - |
HDB Dividends
Dividend Yield 12m | 0.99% |
Yield on Cost 5y | 1.44% |
Annual Growth 5y | 7.30% |
Payout Consistency | 86.8% |
Payout Ratio | 22.4% |
HDB Growth Ratios
Growth Correlation 3m | 81.2% |
Growth Correlation 12m | 68.3% |
Growth Correlation 5y | -2.5% |
CAGR 5y | 9.47% |
CAGR/Max DD 5y | 0.24 |
Sharpe Ratio 12m | 1.54 |
Alpha | 19.94 |
Beta | 0.347 |
Volatility | 22.01% |
Current Volume | 1699.1k |
Average Volume 20d | 1670.1k |
Stop Loss | 73.9 (-2.9%) |
As of July 18, 2025, the stock is trading at USD 76.14 with a total of 1,699,082 shares traded.
Over the past week, the price has changed by -0.70%, over one month by +2.92%, over three months by +5.69% and over the past year by +27.60%.
Neither. Based on ValueRay´s Fundamental Analyses, HDFC Bank is currently (July 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 28.24 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of HDB is around 71.17 USD . This means that HDB is currently overvalued and has a potential downside of -6.53%.
HDFC Bank has received a consensus analysts rating of 4.75. Therefore, it is recommended to buy HDB.
- Strong Buy: 3
- Buy: 1
- Hold: 0
- Sell: 0
- Strong Sell: 0
According to our own proprietary Forecast Model, HDB HDFC Bank will be worth about 79.6 in July 2026. The stock is currently trading at 76.14. This means that the stock has a potential upside of +4.56%.
Issuer | Target | Up/Down from current |
---|---|---|
Wallstreet Target Price | 84.7 | 11.3% |
Analysts Target Price | 81.7 | 7.3% |
ValueRay Target Price | 79.6 | 4.6% |