(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.
HDB Stock Overview
| Market Cap in USD | 179,489m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | 2001-07-20 |
HDB Stock Ratings
| Growth Rating | 44.4% |
| Fundamental | 50.7% |
| Dividend Rating | 57.6% |
| Return 12m vs S&P 500 | -2.84% |
| Analyst Rating | 4.75 of 5 |
HDB Dividends
| Dividend Yield 12m | 3.28% |
| Yield on Cost 5y | 5.33% |
| Annual Growth 5y | 39.14% |
| Payout Consistency | 90.0% |
| Payout Ratio | 69.7% |
HDB Growth Ratios
| Growth Correlation 3m | -41.2% |
| Growth Correlation 12m | 73.1% |
| Growth Correlation 5y | 18.9% |
| CAGR 5y | 6.62% |
| CAGR/Max DD 3y | 0.27 |
| CAGR/Mean DD 3y | 0.96 |
| Sharpe Ratio 12m | 0.67 |
| Alpha | -2.58 |
| Beta | 0.979 |
| Volatility | 22.76% |
| Current Volume | 1614.4k |
| Average Volume 20d | 3308.4k |
| Stop Loss | 33.7 (-3.9%) |
| Signal | -0.24 |
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (705.75b TTM) > 0 and > 6% of Revenue (6% = 201.98b TTM) |
| FCFTA -0.05 (>2.0%) and ΔFCFTA -5.10pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -755.1% (prev 46.05%; Δ -801.1pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.05 (>3.0%) and CFO 2410.42b > Net Income 705.75b (YES >=105%, WARN >=100%) |
| Net Debt (3850.00b) to EBITDA (2824.28b) ratio: 1.36 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.08 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (5.13b) change vs 12m ago 0.88% (target <= -2.0% for YES) |
| Gross Margin 68.84% (prev 74.59%; Δ -5.75pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 7.96% (prev 9.07%; Δ -1.11pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.50 (EBITDA TTM 2824.28b / Interest Expense TTM 1845.29b) >= 6 (WARN >= 3) |
Altman Z'' -2.62
| (A) -0.57 = (Total Current Assets 2146.13b - Total Current Liabilities 27564.88b) / Total Assets 44560.48b |
| (B) 0.12 = Retained Earnings (Balance) 5378.24b / Total Assets 44560.48b |
| (C) 0.07 = EBIT TTM 2761.26b / Avg Total Assets 42312.93b |
| (D) 0.28 = Book Value of Equity 10764.14b / Total Liabilities 38929.00b |
| Total Rating: -2.62 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 50.70
| 1. Piotroski 4.0pt = -1.0 |
| 2. FCF Yield -9.98% = -4.99 |
| 3. FCF Margin -62.63% = -7.50 |
| 4. Debt/Equity 1.37 = 1.63 |
| 5. Debt/Ebitda 2.63 = -1.19 |
| 6. ROIC - WACC 7.89% = 9.86 |
| 7. RoE 13.78% = 1.15 |
| 8. Rev. Trend 75.80% = 3.79 |
| 9. Rev. CAGR 75.87% = 2.50 |
| 10. EPS Trend -42.05% = -1.05 |
| 11. EPS CAGR -24.36% = -2.50 |
What is the price of HDB shares?
Over the past week, the price has changed by -0.88%, over one month by -5.02%, over three months by -3.49% and over the past year by +14.90%.
Is HDFC Bank a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of HDB is around 33.94 USD . This means that HDB is currently overvalued and has a potential downside of -3.22%.
Is HDB a buy, sell or hold?
- Strong Buy: 3
- Buy: 1
- Hold: 0
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the HDB price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 44.4 | 26.5% |
| Analysts Target Price | 44.4 | 26.5% |
| ValueRay Target Price | 37.7 | 7.6% |
Last update: 2025-09-15 04:37
HDB Fundamental Data Overview
CCE Cash And Equivalents = 2146.13b INR (Cash And Short Term Investments, last quarter)
P/E Trailing = 23.5369
P/E Forward = 16.9779
P/S = 0.0656
P/B = 2.9126
P/EG = 0.97
Beta = 0.609
Revenue TTM = 3366.28b INR
EBIT TTM = 2761.26b INR
EBITDA TTM = 2824.28b INR
Long Term Debt = 5996.13b INR (from longTermDebt, last quarter)
Short Term Debt = 1435.20b INR (from shortTermDebt, last quarter)
Debt = 7431.33b INR (Calculated: Short Term 1435.20b + Long Term 5996.13b)
Net Debt = 3850.00b INR (from netDebt column, last quarter)
Enterprise Value = 21126.87b INR (15841.66b + Debt 7431.33b - CCE 2146.13b)
Interest Coverage Ratio = 1.50 (Ebit TTM 2761.26b / Interest Expense TTM 1845.29b)
FCF Yield = -9.98% (FCF TTM -2108.45b / Enterprise Value 21126.87b)
FCF Margin = -62.63% (FCF TTM -2108.45b / Revenue TTM 3366.28b)
Net Margin = 20.97% (Net Income TTM 705.75b / Revenue TTM 3366.28b)
Gross Margin = 68.84% ((Revenue TTM 3366.28b - Cost of Revenue TTM 1048.94b) / Revenue TTM)
Tobins Q-Ratio = 1.96 (Enterprise Value 21126.87b / Book Value Of Equity 10764.14b)
Interest Expense / Debt = 6.42% (Interest Expense 477.09b / Debt 7431.33b)
Taxrate = 23.69% (228.02b / 962.42b)
NOPAT = 2107.06b (EBIT 2761.26b * (1 - 23.69%))
Current Ratio = 0.08 (Total Current Assets 2146.13b / Total Current Liabilities 27564.88b)
Debt / Equity = 1.37 (Debt 7431.33b / last Quarter total Stockholder Equity 5426.34b)
Debt / EBITDA = 2.63 (Net Debt 3850.00b / EBITDA 2824.28b)
Debt / FCF = -3.52 (Debt 7431.33b / FCF TTM -2108.45b)
Total Stockholder Equity = 5121.00b (last 4 quarters mean)
RoA = 1.58% (Net Income 705.75b, Total Assets 44560.48b )
RoE = 13.78% (Net Income TTM 705.75b / Total Stockholder Equity 5121.00b)
RoCE = 24.84% (Ebit 2761.26b / (Equity 5121.00b + L.T.Debt 5996.13b))
RoIC = 16.00% (NOPAT 2107.06b / Invested Capital 13168.37b)
WACC = 8.11% (E(15841.66b)/V(23273.00b) * Re(9.62%)) + (D(7431.33b)/V(23273.00b) * Rd(6.42%) * (1-Tc(0.24)))
Shares Correlation 3-Years: 66.67 | Cagr: 9.66%
Discount Rate = 9.62% (= CAPM, Blume Beta Adj.)
Fair Price DCF = unknown (Cash Flow -2108.45b)
Revenue Correlation: 75.80 | Revenue CAGR: 75.87%
Rev Growth-of-Growth: -71.89
EPS Correlation: -42.05 | EPS CAGR: -24.36%
EPS Growth-of-Growth: 80.11
Additional Sources for HDB Stock
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Fund Manager Positions: Dataroma | Stockcircle