Housing Development Finance Corporation Limited Logo

Housing Development Finance Corporation Limited

HDFC.NS

(2.5)
Stock Price

2.732,00 INR

0% ROA

14.31% ROE

34.91x PER

Market Cap.

5.058.106.803.712,00 INR

0% DER

0% Yield

21.84% NPM

Housing Development Finance Corporation Limited Stock Analysis

Housing Development Finance Corporation Limited Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Housing Development Finance Corporation Limited Fundamental Stock Analysis
# Analysis Rating
1 Dividend

Shareholders can rely on the company's remarkable dividend history, consistently paying dividends for the past five years, demonstrating a steadfast dedication to rewarding investors.

2 ROE

The stock's ROE falls within an average range (11.44%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

3 ROA

The stock's ROA (2.18%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

4 PBV

The stock's PBV ratio (2.75x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

5 Revenue Growth

Company's revenue has experienced consistent growth over the last three years, indicating a favorable financial trajectory and making it an attractive investment choice.

6 Net Profit Growth

With continuous net profit growth in the past three years, this company demonstrates a strong financial performance, making it an enticing investment opportunity.

7 Assets Growth

Company's revenue has experienced consistent growth over the last three years, indicating a favorable financial trajectory and making it an attractive investment choice.

8 Dividend Growth

Investors can be encouraged by the company's strong dividend growth over the past three years, highlighting its ability to generate consistent returns and provide an attractive investment opportunity.

9 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (372.642), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

10 DER

The company has a high debt to equity ratio (188%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

11 Graham Number

The company's Graham number indicates that it is overvalued compared to its stock price, suggesting a potentially unfavorable investment opportunity.

Housing Development Finance Corporation Limited Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Housing Development Finance Corporation Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Sell
3 RSI Hold
4 Stoch RSI Buy

Housing Development Finance Corporation Limited Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Housing Development Finance Corporation Limited Revenue
Year Revenue Growth
2003 32.523.300.000
2004 36.975.400.000 12.04%
2005 46.492.500.000 20.47%
2006 27.126.800.000 -71.39%
2007 35.937.200.000 24.52%
2008 41.432.000.000 13.26%
2009 52.124.100.000 20.51%
2010 96.058.400.000 45.74%
2011 111.325.100.000 13.71%
2012 140.714.700.000 20.89%
2013 162.915.100.000 13.63%
2014 214.629.900.000 24.09%
2015 537.148.500.000 60.04%
2016 613.955.300.000 12.51%
2017 794.349.000.000 22.71%
2018 669.250.500.000 -18.69%
2019 598.120.500.000 -11.89%
2020 1.098.839.900.000 45.57%
2021 1.085.468.600.000 -1.23%
2022 1.161.525.800.000 6.55%
2023 0 0%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Housing Development Finance Corporation Limited Research and Development Expenses
Year Research and Development Expenses Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Housing Development Finance Corporation Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2003 244.900.000
2004 335.700.000 27.05%
2005 383.300.000 12.42%
2006 743.000.000 48.41%
2007 623.800.000 -19.11%
2008 728.200.000 14.34%
2009 735.000.000 0.93%
2010 842.000.000 12.71%
2011 969.600.000 13.16%
2012 1.159.700.000 16.39%
2013 1.285.600.000 9.79%
2014 1.498.200.000 14.19%
2015 1.827.900.000 18.04%
2016 2.230.400.000 18.05%
2017 2.082.700.000 -7.09%
2018 6.201.000.000 66.41%
2019 2.694.300.000 -130.15%
2020 2.644.100.000 -1.9%
2021 3.243.300.000 18.48%
2022 1.360.000.000 -138.48%
2023 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Housing Development Finance Corporation Limited EBITDA
Year EBITDA Growth
2003 11.436.400.000
2004 13.768.000.000 16.93%
2005 16.907.500.000 18.57%
2006 59.548.100.000 71.61%
2007 90.677.100.000 34.33%
2008 110.285.400.000 17.78%
2009 117.849.300.000 6.42%
2010 138.486.500.000 14.9%
2011 184.463.800.000 24.92%
2012 11.653.399 -1582818.43%
2013 14.472.900 19.48%
2014 18.008.700 19.63%
2015 261.312.100.000 99.99%
2016 283.117.000.000 7.7%
2017 298.306.200.000 5.09%
2018 207.502.100.000 -43.76%
2019 248.013.500.000 16.33%
2020 224.898.100.000 -10.28%
2021 268.043.800.000 16.1%
2022 305.917.000.000 12.38%
2023 0 0%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Housing Development Finance Corporation Limited Gross Profit
Year Gross Profit Growth
2003 32.523.300.000
2004 36.975.400.000 12.04%
2005 46.492.500.000 20.47%
2006 27.126.800.000 -71.39%
2007 35.937.200.000 24.52%
2008 41.432.000.000 13.26%
2009 52.124.100.000 20.51%
2010 96.058.400.000 45.74%
2011 111.325.100.000 13.71%
2012 140.714.700.000 20.89%
2013 162.915.100.000 13.63%
2014 214.629.900.000 24.09%
2015 282.026.500.000 23.9%
2016 303.673.000.000 7.13%
2017 352.890.500.000 13.95%
2018 576.788.300.000 38.82%
2019 492.781.500.000 -17.05%
2020 986.381.700.000 50.04%
2021 1.076.269.800.000 8.35%
2022 1.150.499.900.000 6.45%
2023 0 0%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Housing Development Finance Corporation Limited Net Profit
Year Net Profit Growth
2003 9.497.900.000
2004 11.341.700.000 16.26%
2005 13.557.600.000 16.34%
2006 17.419.800.000 22.17%
2007 27.130.000.000 35.79%
2008 23.105.000.000 -17.42%
2009 32.409.800.000 28.71%
2010 45.284.100.000 28.43%
2011 54.625.100.000 17.1%
2012 66.397.200.000 17.73%
2013 79.478.200.000 16.46%
2014 87.626.200.000 9.3%
2015 101.902.600.000 14.01%
2016 110.511.200.000 7.79%
2017 119.799.000.000 7.75%
2018 162.317.600.000 26.19%
2019 214.345.700.000 24.27%
2020 187.400.600.000 -14.38%
2021 225.946.900.000 17.06%
2022 261.609.100.000 13.63%
2023 0 0%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Housing Development Finance Corporation Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2003 8
2004 9 12.5%
2005 11 20%
2006 14 23.08%
2007 20 35%
2008 16 -25%
2009 23 27.27%
2010 31 29.03%
2011 37 16.22%
2012 44 13.95%
2013 51 15.69%
2014 56 7.27%
2015 64 14.06%
2016 69 5.88%
2017 75 8.11%
2018 95 22.11%
2019 124 23.39%
2020 106 -18.1%
2021 125 15.32%
2022 144 13.29%
2023 0 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Housing Development Finance Corporation Limited Free Cashflow
Year Free Cashflow Growth
2003 7.453.200.000
2004 7.410.000.000 -0.58%
2005 11.013.800.000 32.72%
2006 39.987.200.000 72.46%
2007 58.896.800.000 32.11%
2008 43.102.600.000 -36.64%
2009 5.943.900.000 -625.16%
2010 -106.937.600.000 105.56%
2011 -176.770.000.000 39.5%
2012 -121.143.500.000 -45.92%
2013 -110.917.800.000 -9.22%
2014 -97.367.300.000 -13.92%
2015 143.240.600.000 167.97%
2016 297.496.200.000 51.85%
2017 29.900.300.000 -894.96%
2018 -445.132.000.000 106.72%
2019 -272.411.500.000 -63.4%
2020 -274.351.100.000 0.71%
2021 -461.616.600.000 40.57%
2022 -476.434.700.000 3.11%
2023 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Housing Development Finance Corporation Limited Operating Cashflow
Year Operating Cashflow Growth
2003 8.959.700.000
2004 9.054.600.000 1.05%
2005 11.650.500.000 22.28%
2006 41.039.600.000 71.61%
2007 61.323.000.000 33.08%
2008 44.241.100.000 -38.61%
2009 6.765.600.000 -553.91%
2010 -103.835.300.000 106.52%
2011 -175.271.600.000 40.76%
2012 -119.345.000.000 -46.86%
2013 -108.361.400.000 -10.14%
2014 -91.181.900.000 -18.84%
2015 144.719.400.000 163.01%
2016 304.633.300.000 52.49%
2017 32.375.600.000 -840.93%
2018 -443.014.200.000 107.31%
2019 -268.850.100.000 -64.78%
2020 -272.764.300.000 1.44%
2021 -440.279.100.000 38.05%
2022 -473.284.500.000 6.97%
2023 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Housing Development Finance Corporation Limited Capital Expenditure
Year Capital Expenditure Growth
2003 1.506.500.000
2004 1.644.600.000 8.4%
2005 636.700.000 -158.3%
2006 1.052.400.000 39.5%
2007 2.426.200.000 56.62%
2008 1.138.500.000 -113.1%
2009 821.700.000 -38.55%
2010 3.102.300.000 73.51%
2011 1.498.400.000 -107.04%
2012 1.798.500.000 16.69%
2013 2.556.400.000 29.65%
2014 6.185.400.000 58.67%
2015 1.478.800.000 -318.27%
2016 7.137.100.000 79.28%
2017 2.475.300.000 -188.33%
2018 2.117.800.000 -16.88%
2019 3.561.400.000 40.53%
2020 1.586.800.000 -124.44%
2021 21.337.500.000 92.56%
2022 3.150.200.000 -577.34%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Housing Development Finance Corporation Limited Equity
Year Equity Growth
2003 38.575.700.000
2004 43.998.200.000 12.32%
2005 51.381.500.000 14.37%
2006 67.417.900.000 23.79%
2007 132.416.900.000 49.09%
2008 142.988.100.000 7.39%
2009 187.053.100.000 23.56%
2010 218.406.100.000 14.36%
2011 252.435.100.000 13.48%
2012 331.318.200.000 23.81%
2013 389.984.900.000 15.04%
2014 468.917.100.000 16.83%
2015 532.266.500.000 11.9%
2016 635.318.800.000 16.22%
2017 968.675.600.000 34.41%
2018 1.179.785.200.000 17.89%
2019 1.338.364.800.000 11.85%
2020 1.656.174.700.000 19.19%
2021 1.926.303.400.000 14.02%
2022 2.153.127.700.000 10.53%
2023 0 0%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Housing Development Finance Corporation Limited Assets
Year Assets Growth
2003 353.880.200.000
2004 450.098.100.000 21.38%
2005 580.180.400.000 22.42%
2006 699.233.700.000 17.03%
2007 925.830.100.000 24.47%
2008 1.101.091.300.000 15.92%
2009 1.367.331.000.000 19.47%
2010 1.662.926.400.000 17.78%
2011 2.126.039.700.000 21.78%
2012 2.519.482.300.000 15.62%
2013 2.972.346.800.000 15.24%
2014 3.495.251.800.000 14.96%
2015 3.978.042.900.000 12.14%
2016 4.741.373.400.000 16.1%
2017 5.666.092.100.000 16.32%
2018 6.608.751.200.000 14.26%
2019 7.298.149.300.000 9.45%
2020 8.293.549.000.000 12%
2021 9.663.492.000.000 14.18%
2022 10.915.288.400.000 11.47%
2023 0 0%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Housing Development Finance Corporation Limited Liabilities
Year Liabilities Growth
2003 315.304.500.000
2004 406.099.900.000 22.36%
2005 528.798.900.000 23.2%
2006 631.815.800.000 16.3%
2007 793.413.200.000 20.37%
2008 958.103.200.000 17.19%
2009 1.180.277.900.000 18.82%
2010 1.444.520.300.000 18.29%
2011 1.873.604.600.000 22.9%
2012 2.188.164.100.000 14.38%
2013 2.582.361.900.000 15.27%
2014 3.026.334.700.000 14.67%
2015 3.445.776.400.000 12.17%
2016 4.106.054.600.000 16.08%
2017 4.697.416.500.000 12.59%
2018 5.428.966.000.000 13.47%
2019 5.959.784.500.000 8.91%
2020 6.637.374.300.000 10.21%
2021 7.737.188.600.000 14.21%
2022 8.762.160.700.000 11.7%
2023 0 0%

Housing Development Finance Corporation Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
358.43
Net Income per Share
78.27
Price to Earning Ratio
34.91x
Price To Sales Ratio
7.72x
POCF Ratio
838.71
PFCF Ratio
849.96
Price to Book Ratio
0
EV to Sales
7.72
EV Over EBITDA
30.23
EV to Operating CashFlow
849.96
EV to FreeCashFlow
849.96
Earnings Yield
0.03
FreeCashFlow Yield
0
Market Cap
5.058,11 Bil.
Enterprise Value
5.058,11 Bil.
Graham Number
0
Graham NetNet
0

Income Statement Metrics

Net Income per Share
78.27
Income Quality
41.62
ROE
0.14
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
0.82
EBT Per Ebit
1.06
Ebit per Revenue
0.25
Effective Tax Rate
0.13

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
-0.1
Operating Profit Margin
0.25
Pretax Profit Margin
0.27
Net Profit Margin
0.22

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
3.26
Free CashFlow per Share
3.26
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0
Return on Tangible Assets
0
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
0,00
Book Value per Share
0,00
Tangible Book Value per Share
0
Shareholders Equity per Share
0
Interest Debt per Share
111.64
Debt to Equity
0
Debt to Assets
0
Net Debt to EBITDA
0
Current Ratio
0
Tangible Asset Value
0,00 Bil.
Net Current Asset Value
0,00 Bil.
Invested Capital
0
Working Capital
0,00 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Housing Development Finance Corporation Limited Dividends
Year Dividends Growth
2002 25
2003 11 -127.27%
2004 14 15.38%
2005 17 23.53%
2006 20 15%
2007 22 9.09%
2008 25 12%
2009 30 16.67%
2010 36 16.67%
2011 9 -300%
2012 11 18.18%
2013 13 8.33%
2014 14 14.29%
2015 15 6.67%
2016 17 11.76%
2017 18 5.56%
2018 20 10%
2019 21 4.76%
2020 21 0%
2021 23 8.7%
2022 30 23.33%
2023 44 31.82%

Housing Development Finance Corporation Limited Profile

About Housing Development Finance Corporation Limited

Housing Development Finance Corporation Limited provides housing finance to individuals and corporate customers in India. It operates through Loans, Life Insurance, General Insurance, Asset Management, and Others segments. The company accepts fixed deposits, such as monthly income plans, non-cumulative interest plans, annual income plans, and cumulative options; and trust deposits. It offers loans for the purchase and construction of houses; home renovation and extension, plot, and top-up loans; loans to agriculturists, planters, horticulturists, and dairy farmers; loans for the salaried/self-employed individuals; loans for non-resident Indians; loans against property; and commercial property and plots loans, as well as education loans. In addition, the company provides cross-selling products and services; investment advisory services; life insurance products; general insurance products, including motor, health, travel, crop, home, personal accident, property, marine, aviation, and liability insurance; venture capital funds; asset management services comprising portfolio management, mutual fund, and property investment management; and other services consisting of project management and investment consultancy services. As of March 31, 2022, it operated through a network of 672 offices; and 3 offices in Dubai, London, and Singapore. The company was incorporated in 1977 and is based in Mumbai, India.

CEO
Mr. Keki Minoo Mistry CPA
Employee
3.599
Address
HDFC House
Mumbai, 400020

Housing Development Finance Corporation Limited Executives & BODs

Housing Development Finance Corporation Limited Executives & BODs
# Name Age
1 Ms. Renu Sud Karnad
Whole-Time Director
70
2 Mr. Keki Minoo Mistry CPA
Vice Chairman & Chief Executive Officer
70
3 Mr. Vedanthachari Srinivasa Rangan
Chief Financial Officer & Whole-Time Executive Director
70
4 Mr. Ankur Gupta
Additional Senior GM - Corporate Lending & Regional Business Head - Rajasthan
70
5 Mr. Milind Gajanan Barve
Managing Director of HDFC Asset Management Company Limited
70

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