(HDB) HDFC Bank - Ratings and Ratios

Exchange: NYSE • Country: India • Currency: USD • Type: Common Stock • ISIN: US40415F1012

Loans, Deposits, Cards, PaymentServices, BankingServices

HDB EPS (Earnings per Share)

EPS (Earnings per Share) of HDB over the last years for every Quarter: "2020-03": 39.6, "2020-06": 37.8, "2020-09": 42, "2020-12": 47.4, "2021-03": 45.6, "2021-06": 42.9, "2021-09": 48.9, "2021-12": 57, "2022-03": 0.25, "2022-06": 51.6, "2022-09": 68.26, "2022-12": 68.04, "2023-03": 86.24, "2023-06": 66.09, "2023-09": 66.36, "2023-12": 67.95, "2024-03": 23.12, "2024-06": 64.77, "2024-09": 69.87, "2024-12": 69, "2025-03": 73.51,

HDB Revenue

Revenue of HDB over the last years for every Quarter: 2020-03: 227586, 2020-06: 210901, 2020-09: 234052.9, 2020-12: 253160.5, 2021-03: 268262.5, 2021-06: 247151.3, 2021-09: 270210.8, 2021-12: 248252.4, 2022-03: 3252.877476, 2022-06: 278440.6, 2022-09: 281658.6, 2022-12: 336179.8, 2023-03: 282041.5, 2023-06: 350665.3, 2023-09: 1075666.2, 2023-12: 717731.4, 2024-03: 668893, 2024-06: 1169964.9, 2024-09: 727736.6, 2024-12: 613223.7, 2025-03: 694771.9,

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

News: Wall Street Journal | Benzinga | Yahoo Finance
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%)
What is the price of HDB shares?
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%.
Is HDFC Bank a good stock to buy?
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%.
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.
  • Strong Buy: 3
  • Buy: 1
  • Hold: 0
  • Sell: 0
  • Strong Sell: 0
What are the forecasts for HDB share price target?
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%