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Stocks - Q : Quality | V : Valuation | PT : Price Trend
Funds - P : Performance | Q : Quality
DeciZen - make an informed investing decision on HDFC Bank
- Based on:
- Data
- Research
Decision Maker
Consolidated basis
1. Right Stock
10 Year X-ray Pro
Long Term Prospect
2. Right Price
Price Chart
3. Right Time ⓘ
#Likely Future 5 Year CAGR.
Overall Rating ⓘ
1. Quality
Very Good
Check detailed 10 Yrs performace
2. Valuation
Undervalued
Check 10 Yrs Valuation charts
3. Price Trend
Semi Strong
Check Price chart
HDFC Bank stock performance -
- 1D
- 1M
- 3M
- 1Y
- 3Y
- Max
PE ChartKey Ratios
P/E Ratio (CD):
18.61
Market Cap:
10,98,707.9 Cr.
52-wk low:
1,363.5
52-wk high:
1,757.8
Is HDFC Bank Ltd an attractive stock to invest in?
1. Is HDFC Bank Ltd a good quality company?
Past 10 year's financial track record analysis by Moneyworks4me indicates that HDFC Bank Ltd is a good quality company.
2. Is HDFC Bank Ltd undervalued or overvalued?
The key valuation ratios of HDFC Bank Ltd's currently when compared to its past seem to suggest it is in the Undervalued zone.
3. Is HDFC Bank Ltd a good buy now?
The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of HDFC Bank Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.
10 Year X-Ray of HDFC Bank:
Analysis of Financial Track Record
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Standalone Basis PConsolidated Basis P
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
What is a Financial Track Record? How to read this chart in order to understand the data present here?
Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
HDFC Bank Ltd has performed well in majority of the past ten years indicating its past ten year financial track record is very good
| Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income (₹ Cr.) | 19,110 | 23,378 | 29,092 | 35,230 | 42,906 | 51,448 | 60,052 | 69,305 | 77,352 | 92,974 | 1,18,711 | |
| YoY Gr. Rt. % | - | 22.3% | 24.4% | 21.1% | 21.8% | 19.9% | 16.7% | 15.4% | 11.6% | 20.2% | - | |
| Total Income | 50,853 | 60,212 | 74,373 | 86,149 | 1,01,344 | 1,24,108 | 1,47,068 | 1,55,885 | 1,67,695 | 2,04,666 | 3,40,762 | |
| YoY Gr. Rt. % | - | 18.4% | 23.5% | 15.8% | 17.6% | 22.5% | 18.5% | 6% | 7.6% | 22.1% | - | |
| Adj EPS (₹ ) | 18.2 | 21.3 | 25.3 | 29.8 | 35.7 | 41 | 49.7 | 57.7 | 68.6 | 82.4 | 77.7 | |
| YoY Gr. Rt. % | - | 17% | 18.8% | 17.8% | 19.6% | 15% | 21.2% | 16.2% | 18.8% | 20.1% | - | |
| BVPS (₹ ) | 92.1 | 126 | 147 | 179.1 | 211.2 | 282.1 | 321.6 | 380.6 | 445.4 | 516.7 | 575.7 | |
| YoY Gr. Rt. % | - | 36.9% | 16.7% | 21.9% | 17.9% | 33.6% | 14% | 18.3% | 17% | 16% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click hereⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 1.9 | 2 | 2 | 1.5 | |
| To view Net NPA to Net Advances (%) Colour Rating Guide click hereⓘ | ||||||||||||
| Net NPA to Net Advances (%) | 0.3 | 0.3 | 0.3 | 0.3 | 0.4 | 0.4 | 0.4 | 0.4 | 0.3 | 0.3 | - | |
| To view Capital Adequacy Ratio (%) Colour Rating Guide click hereⓘ | ||||||||||||
| Capital Adequacy Ratio (%) | - | - | - | - | - | - | - | - | - | - | - | |
CAGR ⓘ
CAGR Colour Code Guideⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 19.2% | 16.7% | 15.7% | 20.2% | ||||
| Total Income | 16.7% | 15.1% | 11.7% | 22.1% | ||||
| Adj EPS | 18.3% | 18.3% | 18.4% | 20.1% | ||||
| BVPS | 21.1% | 19.6% | 17.1% | 16% | ||||
| Share Price | 14.8% | 6.3% | -2.4% | -9% | ||||
Key Financial Ratios
| RATIOS \ YEARS | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned / Total Income | 83.68 | 84.15 | 84.93 | 85.05 | 84.16 | 84.73 | 83.08 | 82.47 | 81.06 | 83.43 | 73.9 | |
| Margins | To view Margins Colour Rating Guide click hereⓘ | |||||||||||
| NIM (%) | 4 | 4.1 | 4 | 4.2 | 4 | 4.2 | 4 | 4 | 3.8 | 3.9 | 3.1 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click hereⓘ | |||||||||||
| Return on Equity (%) | 21.7 | 19.9 | 18.7 | 18.4 | 18.4 | 17.1 | 16.5 | 16.5 | 16.7 | 17.2 | 13.5 | |
| Liquidity Ratio | To view Liquidity Ratio Colour Rating Guide click hereⓘ | |||||||||||
| CASA (%) | 44.8 | 44 | 43.3 | 48 | 43.5 | 42.4 | 42.2 | 46.1 | 48.1 | 44.4 | - | |
Recent Performance Summary
Total Income has increased 11.65 CAGR in last 3 years
Net Profit has increased 18.38 CAGR in last 3 years
Net NPA to Net Advances has declined versus last 3 years average
Total income growth is good in last 4 quarters
Return on Equity has declined versus last 3 years average to 14.20%
Latest Financials - HDFC Bank Ltd.
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | 74.2 | 77.7 |
| TTM Sales (₹ Cr.) | 2,31,987 | 2,51,764 |
| BVPS (₹.) ⓘ | 555.9 | 575.7 |
| Reserves (₹ Cr.) ⓘ | 4,21,541 | 4,36,563 |
| P/BV ⓘ | 2.60 | 2.51 |
| PE ⓘ | 19.50 | 18.61 |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 1363.45 / 1757.80 |
| All Time Low / High (₹) | 3.23 / 1757.80 |
| Market Cap (₹ Cr.) | 10,98,708 |
| Equity (₹ Cr.) | 759.6 |
| Face Value (₹) | 1 |
| Industry PE ⓘ | 19.6 |
Management X-Ray of HDFC Bank:
Shareholding Pattern
Promoter's Holding & Share Pledging
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
* Pledged shares as % of Promoter's holding (%)
Valuation of HDFC Bank
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Analyst's Notes
This is a premium feature, Please click here to check our solutions.
Key Ratios of HDFC Bank
Standalone Basis Consolidated Basis
Adj EPS (Rs.)
Total Income (Cr.)
ROE (%)
BVPS (Rs.)
Profit And Loss
(All Figures in Cr., Adjusted EPS in Rs.)
Standalone Basis Consolidated Basis
Balance Sheet
(All Figures are in Crores.)
Standalone Basis Consolidated Basis
Cash Flow
(All Figures are in Crores.)
Standalone Basis Consolidated Basis
Finance Ratio
Standalone Basis Consolidated Basis
HDFC Bank Ltd Stock News
HDFC Bank Ltd FAQs
What is the share price of HDFC Bank?
Company share prices are keep on changing according to the market conditions. The closing price of HDFC Bank on 07-Mar-2024 16:59 is ₹1,446.4.
What is the market cap of HDFC Bank?
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 07-Mar-2024 16:59 the market cap of HDFC Bank stood at ₹10,98,707.9.
What is the P/E ratio of HDFC Bank?
The latest P/E ratio of HDFC Bank as of 07-Mar-2024 16:59 is 19.50.
What is the P/B ratio of HDFC Bank?
The latest P/B ratio of HDFC Bank as of 07-Mar-2024 16:59 is 2.60.
What is the 52-week high and low of HDFC Bank?
The 52-week high of HDFC Bank is ₹1,757.8 and the 52-week low is ₹1,363.5.
What is the TTM revenue of HDFC Bank?
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of HDFC Bank is ₹2,31,987 ( Cr.) .
About HDFC Bank Ltd
HDFC Bank Ltd. is one of India’s leading private banks and was among the first to receive approval from the Reserve Bank of India (RBI) to set up a private sector bank in 1994. HDFC Bank was incorporated in August 1994 in the name of HDFC Bank Limited, with its registered office in Mumbai, India. The bank commenced operations as a Scheduled Commercial Bank in January 1995.
Business area of the Bank
HDFC Bank caters to a wide range of banking services covering commercial and investment banking on the wholesale side and transactional / branch banking on the retail side. The bank has three key business segments: Wholesale Banking, Treasury and Retail Banking.
Wholesale Banking-: The Bank's target market is primarily large, blue-chip manufacturing companies in the Indian corporate sector and to a lesser extent, small & mid-sized corporates and agri-based businesses. For these customers, the Bank provides a wide range of commercial and transactional banking services, including working capital finance, trade services, transactional services, cash management, etc. The bank is also a leading provider of structured solutions, which combine cash management services with vendor and distributor finance for facilitating superior supply chain management for its corporate customers. Based on its superior product delivery / service levels and strong customer orientation, the Bank has made significant inroads into the banking consortia of a number of leading Indian corporates including multinationals, companies from the domestic business houses and prime public sector companies. It is recognised as a leading provider of cash management and transactional banking solutions to corporate customers, mutual funds, stock exchange members and banks.
Treasury-: Within this business, the bank has three main product areas - Foreign Exchange and Derivatives, Local Currency Money Market & Debt Securities, and Equities. With the liberalisation of the financial markets in India, corporates need more sophisticated risk management information, advice and product structures. These and fine pricing on various treasury products are provided through the bank's Treasury team. To comply with statutory reserve requirements, the bank is required to hold 25% of its deposits in government securities. The Treasury business is responsible for managing the returns and market risk on this investment portfolio.
Retail Banking-: The objective of the Retail Bank is to provide its target market customers a full range of financial products and banking services, giving the customer a one-stop window for all his/her banking requirements. The products are backed by world-class service and delivered to customers through the growing branch network, as well as through alternative delivery channels like ATMs, Phone Banking, NetBanking and Mobile Banking. The HDFC Bank Preferred program for high net worth individuals, the HDFC Bank Plus and the Investment Advisory Services programs have been designed keeping in mind needs of customers who seek distinct financial solutions, information and advice on various investment avenues. The Bank also has a wide array of retail loan products including Auto Loans, Loans against marketable securities, Personal Loans and Loans for Two-wheelers. It is also a leading provider of Depository Participant (DP) services for retail customers, providing customers the facility to hold their investments in electronic form.
Achievements/ recognition
2007
Dun & Bradstreet - American Express Corporate Best Bank Award 2007 - 'Corporate Best Bank' Award
The Bombay Stock Exchange and Nasscom Foundation's Business for Social Responsibility Awards 2007 - 'Best Corporate Social Responsibility Practice' Award
Outlook Money & NDTV Profit - Best Bank Award in the Private sector category
The Asian Banker Excellence in Retail Financial Services Awards - Best Retail Bank in India
Asian Banker - Its Managing Director Aditya Puri wins the Leadership Achievement Award for India
2008
Finance Asia Country Awards for Achievement 2008 - 'Best Bank and Best Cash Management Bank'
CNN-IBN - 'Indian of the Year (Business)'
Nasscom IT User Award 2008 - 'Best IT Adoption in the Banking Sector'
Business India - 'Best Bank 2008'
Forbes Asia - Fab 50 companies in Asia Pacific
Asian Banker Excellence in Retail Financial Services - Best Retail Bank 2008
Asiamoney - Best local Cash Management Bank Award voted by Corporates
Microsoft & Indian Express Group - Security Strategist Award 2008
World Trade Center Award of honour - For outstanding contribution to international trade services.
Business Today-Monitor Group survey - One of India's 'Most Innovative Companies'
Financial Express-Ernst & Young Award - Best Bank Award in the Private Sector category
Global HR Excellence Awards - Asia Pacific HRM Congress: - 'Employer Brand of the Year 2007 -2008' Award - First Runner up, & many more
Business Today - 'Best Bank' Award
2009
Business Standard Best Banker Award - Mr. Aditya Puri, MD, HDFC Bank
Fe Best Bank Awards 2009 - Best Innovator of the year award for its MD Mr. Aditya Puri - Second Best Private Bank in India - Best in Strength and Soundness Award
Euromoney Awards 2009 - 'Best Bank in India'
Economic Times Brand Equity & Nielsen Research annual survey 2009 - Most Trusted Brand - Runner Up
Asia Money 2009 Awards - 'Best Domestic Bank in India'
IBA Banking Technology Awards 2009 - 'Best IT Governance Award - Runner up'
Global Finance Award - 'Best Trade Finance Bank in India for 2009
IDRBT Banking Technology Excellence Award 2008 - 'Best IT Governance and Value Delivery'
Asian Banker Excellence in Retail Financial Services - 'Asian Banker Best Retail Bank in India Award 2009'
2010
Outlook Money 2010 Awards - Best Bank
Businessworld Best Bank Awards 2010 - Best Bank (Large)
Teacher's Achievement Awards 2010 (Business) - Mr. Aditya Puri
The Banker and PWM 2010 Global Private Banking Awards - Best Private Bank in India
Economic Times Awards for Corporate Excellence 2010 - Business Leader of the Year - Mr. Aditya Puri
Forbes Asia - Fab 50 Companies - 5th year in a row
NDTV Business Leadership Awards 2010 - Best private sector bank
The Banker Magazine - World's Top 1,000 Banks
MIS Asia IT Excellence Award 2010 - BEST BOTTOM-LINE I.T. Category
Dun & Bradstreet Banking Awards 2010 - Overall best bank, Best private sector bank, Best private sector bank in SME Financing
Institutional Investor Magazine Poll - HDFC Bank MD, Mr. Aditya Puri among ‘Asian Captains of Finance 2010’
IDRBT Technology 2009 Awards - IT Infrastructure, Use of IT within the Bank and Runners-up - IT Governance (Large Banks)
ACI Excellence Awards 2010 - Highly Commended - Asia Pacific HDFC Bank
FE-EVI Green Business Leadership Award - Best performer in the banking category
Celent's 2010 Banking Innovation Award - Model bank Award
Avaya Global Connect 2010 - Customer Responsiveness Award - Banking & Financial Services category
Forbes Top 2000 Companies - HDFC Bank at 632nd position and among 130 global high performers
Financial Express - Ernst & Young Survey 2009-10 - Best new private sector bank, Best in growth and Best in strength
Asian Banker Excellence Awards 2010 - Best retail bank in India, Excellence in automobile lending, Best M&A integration and technology implementation
The Asset Triple A Awards - Best cash management bank in India
Euromoney Private Banking and Wealth Management Poll 2010 - Best local bank in India (second year in a row), Best private banking services overall (moved up from No. 2 last year)
Financial Insights Innovation Awards 2010 - Innovation in branch operations - server consolidation project
Global Finance Award - Best trade finance provider in India for 2010
2 Banking Technology Awards 2009 - Best risk management initiative and Best use of business intelligence
SPJIMR Marketing Impact Awards (SMIA) 2010
Business Today Best Employer Survey - Listed in top 10 best employers in the country
2011
CNBC TV18's Best Bank & Financial Institution Awards - Best Bank and Mr. Aditya Puri, for outstanding finance professional
Dun & Bradstreet Banking Awards 2011 - Best private sector bank - SME Financing
ISACA 2011 award for IT Governance - Best practices in IT Governance and IT Security
IBA Productivity Excellence Awards 2011 - New Channel Adopter (Private Sector)
DSCI (Data Security Council of India) Excellence Awards 2011 - Security in bank
FINANCE ASIA Country Awards 2011: India - Best bank, best cash management bank and best trade finance bank
Asian Banker - Strongest bank in Asia Pacific
Bloomberg UTV's Financial Leadership Awards 2011 - Best bank
IBA Banking Technology Awards 2010 - Technology bank of the year, best online bank, best customer initiative, best use of business intelligence, best risk management system and runners up - best financial inclusion
IDC FIIA Awards 2011 - Excellence in customer experience
2013
Best Internet Bank - Winner
Best Customer Management Initiative - Winner
Best use of Mobility Technology in Banking
2014
Business Today - KPMG Study 2014
Dun & Bradstreet - Polaris Financial Technology Banking Awards 2014
Forbes Asia
2015
Business Today Award
National Payments Excellence Awards 2015
Forbes Asia
AIMA Managing India Awards 2015
Finance Asia poll on Asia's Best Companies 2015
J. P Morgan Quality Recognition Award
2016
Institutional Investor All-Asia Executive Team ranking 2016
BrandZ Top 50 Most Valuable Indian Brands
Cisco-CNBC TV 18 Digitizing India Awards
IBA Awards
NABARD Award
2017
Business India 19th Best Bank survey
Forbes Asia's 13th Fab 50 Companies List
BrandZ Top 50 Most Valuable Indian Brands
The Asset Triple A Asia Infrastructure Awards 2017
Asiamoney India Banking Awards 2017
2019
UTI MF - CNBC TV18 Financial Advisor Awards 2018-19
Euromoney Awards for Excellence 2019
Business Today - Money Today Financial Awards 2019
Nasscom DSCI Excellence Awards 2019
Business Today- Money Today Financial Awards 2019
2020
Asiamoney Best Bank Award 2020
CNBC-TV18 India Business Leader Awards (IBLA) 2019-20
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Overall Rating
Quality
- Company quality is determined using minimum hurdle rate for return on capital employed and free cash flows for last 10 years.
- Companies with smaller size have higher hurdle rate.
- High quality stocks are important for long term investment.
Value
- Valuation is computed by comparing relevant price multiples versus industry and its own history.
- One unique and very important modification is our adjustment for company's financials for cyclicality and normalized profitability.
- or based on whether current ratio is lower or higher than median values. See graph for better assessment.
- Valuation is important for long term investment.
- Actual valuation done by our Equity Analysts may differ from the Free DeciZen maker valuation. Subscribe to our premium products for more information on actual valuation
Price
- Price rating is given based on stock price strength using moving averages and relative strength on shorter timeframe.
- Short term time frame has little to no significance for long term investing but it can help in deciding how fast or how slow one can add a stock top your portfolio.
- Only after a stock satisfies Quality and Value parameters, use price trend to build a position. Add slowly if price trend is Red or Orange. Add quickly if price trend is Green.
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MoneyWorks4Me method for rating and ranking mutual funds for SIP
MoneyWorks4Me rating and ranking of funds for SIP is available to subscribers only. Moneyworks4Me is not a rating andranking agency, however it is required that users have a way of selecting funds and building a Portfolio. The method used by it are described below to enable users to understand the logic behind the rating and ranking Subscriber will find more details on this in thevarious content made available from time to time. In case you need more please write to besafe@moneyworks4Me.com
MoneyWorks4Me rates and ranks mutual funds based on the following data-driven system:
- Performance Consistency: This is measure based on whether the fund has beaten the benchmark index consistently. Forthis we compare the 3-year rolling returns of the fund with the benchmark for a minimum of 5 years and preferable 10years. The period of rolling is one month and holding period is 3 years. Fund are color-coded Green on Performance whenthe fund beats the benchmark more than 90% of the time. It is Orange if it beats 80% to 90% of the time and Red if lessthan 80%. Funds with less than 5 year data are color-coded Grey.
- Quality of Portfolio Holding: Moneyworks4Me has color-coded stocks as Green, Orange and Red based on whether thecompany's performance has generated a ROCE above a threshold level (cost of capital) over 10 years (minimum 6 years) andgenerated positive Free Cash Flow. For Banks it checks whether ROE is greater than 15% and sales has grown over previousyear. Stocks that perform consistently on these combined metrics are color-coded Green (min score 14 out of 20), Orange(between 8 and 14) and Red (less than 8 out of 20). Fund are color-coded Green provided the portfolio has 70% holding in Green stocks but not more than 20% in Red stocks.Funds with more than 20% Red stocks in the portfolio are color-coded Red. The rest are Orange funds
Funds ranking in screeners: Performance Consistency and Quality are two parameters used for ranking funds for SIP. Theranking as follows GG, GO, GR, OG, OO, OR, RG, RO and RR.
With the same color-coded funds, the one with the higher Average 3-year rolling returns (over 5 to 10 years), the numberthat appears in the Performance tag, ranks higher.
Here is the summary:
The third tag Upside Potential is not relevant for SIP. It is relevant for lumpsum investments in Mutual Funds.
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Does your solution provide easy-to-use decision enabling data, information and tools?
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NextDoes it help you become a better investor
Does it help you become a better investor
- You will be investing for decades, for the rest of your lifetime.
- Does your solution help you learn what is required to invest successfully?
- Does it share knowledge and tools that you master as you invest?
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