HDFC Bank Limited Logo

HDFC Bank Limited

HDFCBANK.NS

(3.0)
Stock Price

1.708,50 INR

1.37% ROA

17.25% ROE

24.13x PER

Market Cap.

12.370.659.542.630,00 INR

101720.87% DER

1.16% Yield

25.8% NPM

HDFC Bank Limited Stock Analysis

HDFC Bank 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.

HDFC Bank Limited Fundamental Stock Analysis
# Analysis Rating
1 ROE

The stock's ROE exceeds expectations (24.15%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity.

2 Revenue Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

3 Net Profit Growth

The net profit of this company has steadily increased over the last five years, showcasing a favorable financial performance and making it an enticing option for investors seeking growth potential.

4 Assets Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

5 ROA

The stock's ROA (1.37%) 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.

6 Dividend Growth

With a history of consistent dividend increases over the last three years, the company has proven to be a reliable choice for investors seeking reliable income.

7 Dividend

The company's track record of consistently paying dividends in the last three years highlights its dedication to providing investors with regular income.

8 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (5.213), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

9 PBV

The stock's high Price-to-Book Value (P/BV) ratio (1508.73x) suggests it's overvalued, potentially making it an expensive investment.

10 DER

The company has a high debt to equity ratio (101721%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

11 Graham Number

The Graham number of this company suggests that its stock price may be overvalued, indicating a less favorable investment opportunity.

HDFC Bank 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.

HDFC Bank Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Sell
4 Stoch RSI Sell

HDFC Bank 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.

HDFC Bank Limited Revenue
Year Revenue Growth
2000 1.627.100.000
2001 8.878.061.222 81.67%
2002 12.004.740.621 26.05%
2003 17.301.519.260 30.61%
2004 24.222.706.164 28.57%
2005 36.115.320.755 32.93%
2006 52.620.206.520 31.37%
2007 75.148.000.000 29.98%
2008 106.484.900.000 29.43%
2009 124.276.500.000 14.32%
2010 155.404.400.000 20.03%
2011 179.518.300.000 13.43%
2012 226.637.400.000 20.79%
2013 264.022.800.000 14.16%
2014 329.237.200.000 19.81%
2015 403.036.500.000 18.31%
2016 481.074.100.000 16.22%
2017 589.629.700.000 18.41%
2018 667.627.800.000 11.68%
2019 794.470.700.000 15.97%
2020 966.376.900.000 17.79%
2021 1.019.413.700.000 5.2%
2022 1.205.375.000.000 15.43%
2023 2.520.198.800.000 52.17%

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.

HDFC Bank Limited Research and Development Expenses
Year Research and Development Expenses Growth
2000 0
2001 0 0%
2002 0 0%
2003 0 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.

HDFC Bank Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2000 918.500.000
2001 1.184.066.343 22.43%
2002 1.658.767.950 28.62%
2003 2.151.843.920 22.91%
2004 3.253.274.940 33.86%
2005 5.431.779.889 40.11%
2006 11.457.207.528 52.59%
2007 19.160.000.000 40.2%
2008 47.501.800.000 59.66%
2009 49.474.500.000 3.99%
2010 62.253.200.000 20.53%
2011 35.730.900.000 -74.23%
2012 39.653.800.000 9.89%
2013 41.789.800.000 5.11%
2014 51.626.800.000 19.05%
2015 63.061.400.000 18.13%
2016 85.047.000.000 25.85%
2017 91.939.000.000 7.5%
2018 213.613.000.000 56.96%
2019 95.256.700.000 -124.25%
2020 136.766.700.000 30.35%
2021 320.219.100.000 57.29%
2022 400.219.800.000 19.99%
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.

HDFC Bank Limited EBITDA
Year EBITDA Growth
2000 11.332.800.000
2001 16.289.439.443 30.43%
2002 19.104.267.447 14.73%
2003 21.852.495.615 12.58%
2004 25.759.823.988 15.17%
2005 38.681.937.011 33.41%
2006 57.385.402.562 32.59%
2007 71.656.000.000 19.92%
2008 115.959.000.000 38.21%
2009 122.532.300.000 5.36%
2010 164.442.100.000 25.49%
2011 232.677.700.000 29.33%
2012 297.452.200.000 21.78%
2013 359.781.900.000 17.32%
2014 425.493.300.000 15.44%
2015 525.953.800.000 19.1%
2016 602.393.300.000 12.69%
2017 706.782.000.000 14.77%
2018 342.049.809.000 -106.63%
2019 381.525.406.000 10.35%
2020 427.725.900.000 10.8%
2021 507.752.300.000 15.76%
2022 613.468.000.000 17.23%
2023 818.656.400.000 25.06%

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.

HDFC Bank Limited Gross Profit
Year Gross Profit Growth
2000 1.627.100.000
2001 8.878.061.222 81.67%
2002 12.004.740.621 26.05%
2003 17.301.519.260 30.61%
2004 24.222.706.164 28.57%
2005 36.115.320.755 32.93%
2006 52.620.206.520 31.37%
2007 75.148.000.000 29.98%
2008 106.484.900.000 29.43%
2009 124.276.500.000 14.32%
2010 155.404.400.000 20.03%
2011 179.518.300.000 13.43%
2012 226.637.400.000 20.79%
2013 264.022.800.000 14.16%
2014 329.237.200.000 19.81%
2015 403.036.500.000 18.31%
2016 481.074.100.000 16.22%
2017 589.629.700.000 18.41%
2018 667.627.800.000 11.68%
2019 794.470.700.000 15.97%
2020 966.376.900.000 17.79%
2021 1.019.413.700.000 5.2%
2022 1.205.375.000.000 15.43%
2023 2.520.198.800.000 52.17%

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.

HDFC Bank Limited Net Profit
Year Net Profit Growth
2000 2.140.600.000
2001 2.952.856.806 27.51%
2002 3.497.630.706 15.58%
2003 4.754.880.920 26.44%
2004 6.615.720.180 28.13%
2005 9.201.497.515 28.1%
2006 11.064.068.054 16.83%
2007 13.148.000.000 15.85%
2008 15.104.300.000 12.95%
2009 24.570.700.000 38.53%
2010 41.196.900.000 40.36%
2011 52.433.800.000 21.43%
2012 67.262.800.000 22.05%
2013 84.784.000.000 20.67%
2014 106.856.400.000 20.66%
2015 127.976.100.000 16.5%
2016 152.874.100.000 16.29%
2017 185.608.500.000 17.64%
2018 220.103.800.000 15.67%
2019 262.573.200.000 16.17%
2020 318.332.100.000 17.52%
2021 386.000.400.000 17.53%
2022 495.446.900.000 22.09%
2023 672.456.400.000 26.32%

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.

HDFC Bank Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2000 1
2001 1 100%
2002 1 0%
2003 2 0%
2004 2 50%
2005 3 0%
2006 3 33.33%
2007 4 0%
2008 4 0%
2009 6 40%
2010 9 37.5%
2011 11 27.27%
2012 13 15.38%
2013 17 18.75%
2014 20 20%
2015 23 13.04%
2016 28 14.81%
2017 36 22.86%
2018 41 14.63%
2019 48 12.77%
2020 59 20.34%
2021 70 14.49%
2022 89 22.47%
2023 88 -1.14%

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.

HDFC Bank Limited Free Cashflow
Year Free Cashflow Growth
2000 5.624.200.000
2001 2.884.638.992 -94.97%
2002 11.919.432.555 75.8%
2003 38.104.123.285 68.72%
2004 -698.689.920 5553.65%
2005 28.963.551.500 102.41%
2006 30.682.159.828 5.6%
2007 -56.008.000.000 154.78%
2008 119.295.900.000 146.95%
2009 103.085.800.000 -15.72%
2010 44.280.500.000 -132.8%
2011 29.567.800.000 -49.76%
2012 61.519.400.000 51.94%
2013 117.422.800.000 47.61%
2014 100.443.400.000 -16.9%
2015 160.089.800.000 37.26%
2016 366.643.700.000 56.34%
2017 85.092.700.000 -330.88%
2018 166.917.200.000 49.02%
2019 -185.049.600.000 190.2%
2020 407.803.100.000 145.38%
2021 554.693.800.000 26.48%
2022 433.580.300.000 -27.93%
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.

HDFC Bank Limited Operating Cashflow
Year Operating Cashflow Growth
2000 6.774.900.000
2001 4.565.720.837 -48.39%
2002 14.445.499.176 68.39%
2003 40.247.290.415 64.11%
2004 1.746.724.800 -2204.16%
2005 32.670.886.092 94.65%
2006 33.913.679.900 3.66%
2007 -49.636.000.000 168.32%
2008 126.176.400.000 139.34%
2009 109.064.400.000 -15.69%
2010 50.116.600.000 -117.62%
2011 37.492.300.000 -33.67%
2012 71.513.500.000 47.57%
2013 127.151.300.000 43.76%
2014 109.357.100.000 -16.27%
2015 170.073.200.000 35.7%
2016 379.272.200.000 55.16%
2017 94.274.200.000 -302.31%
2018 183.272.200.000 48.56%
2019 -168.690.900.000 208.64%
2020 424.764.600.000 139.71%
2021 581.018.200.000 26.89%
2022 477.200.600.000 -21.76%
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.

HDFC Bank Limited Capital Expenditure
Year Capital Expenditure Growth
2000 1.150.700.000
2001 1.681.081.845 31.55%
2002 2.526.066.621 33.45%
2003 2.143.167.130 -17.87%
2004 2.445.414.720 12.36%
2005 3.707.334.592 34.04%
2006 3.231.520.072 -14.72%
2007 6.372.000.000 49.29%
2008 6.880.500.000 7.39%
2009 5.978.600.000 -15.09%
2010 5.836.100.000 -2.44%
2011 7.924.500.000 26.35%
2012 9.994.100.000 20.71%
2013 9.728.500.000 -2.73%
2014 8.913.700.000 -9.14%
2015 9.983.400.000 10.71%
2016 12.628.500.000 20.95%
2017 9.181.500.000 -37.54%
2018 16.355.000.000 43.86%
2019 16.358.700.000 0.02%
2020 16.961.500.000 3.55%
2021 26.324.400.000 35.57%
2022 43.620.300.000 39.65%
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.

HDFC Bank Limited Equity
Year Equity Growth
2000 10.759.800.000
2001 22.014.863.118 51.12%
2002 26.033.178.141 15.44%
2003 31.206.075.235 16.58%
2004 49.393.010.532 36.82%
2005 55.369.398.606 10.79%
2006 65.662.932.586 15.68%
2007 119.192.000.000 44.91%
2008 249.497.000.000 52.23%
2009 305.581.700.000 18.35%
2010 346.491.700.000 11.81%
2011 395.055.200.000 12.29%
2012 362.141.400.000 -9.09%
2013 434.786.500.000 16.71%
2014 631.540.600.000 31.15%
2015 726.777.700.000 13.1%
2016 917.939.500.000 20.83%
2017 1.095.991.300.000 16.25%
2018 1.635.624.600.000 32.99%
2019 1.713.271.600.000 4.53%
2020 2.104.429.400.000 18.59%
2021 2.509.453.400.000 16.14%
2022 2.917.837.900.000 14%
2023 7.581.800.000 -38384.76%

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.

HDFC Bank Limited Assets
Year Assets Growth
2000 161.128.500.000
2001 242.519.201.471 33.56%
2002 310.943.161.233 22.01%
2003 426.676.809.855 27.12%
2004 530.039.273.748 19.5%
2005 792.380.386.006 33.11%
2006 1.015.582.946.478 21.98%
2007 1.507.240.000.000 32.62%
2008 2.020.744.800.000 25.41%
2009 2.416.520.400.000 16.38%
2010 2.920.236.300.000 17.25%
2011 3.571.155.700.000 18.23%
2012 4.005.222.600.000 10.84%
2013 4.917.089.200.000 18.54%
2014 6.070.965.200.000 19.01%
2015 7.089.940.700.000 14.37%
2016 8.923.441.600.000 20.55%
2017 11.031.861.700.000 19.11%
2018 13.280.073.600.000 16.93%
2019 15.305.112.700.000 13.23%
2020 17.995.066.300.000 14.95%
2021 21.113.705.500.000 14.77%
2022 25.755.624.000.000 18.02%
2023 37.813.470.800.000 31.89%

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.

HDFC Bank Limited Liabilities
Year Liabilities Growth
2000 150.368.700.000
2001 220.504.338.353 31.81%
2002 284.909.983.092 22.61%
2003 395.470.734.620 27.96%
2004 480.646.263.216 17.72%
2005 736.788.190.850 34.76%
2006 949.595.997.842 22.41%
2007 1.387.588.000.000 31.56%
2008 1.770.691.700.000 21.64%
2009 2.110.066.200.000 16.08%
2010 2.572.406.500.000 17.97%
2011 3.174.563.000.000 18.97%
2012 3.641.177.600.000 12.81%
2013 4.481.208.700.000 18.75%
2014 5.437.808.300.000 17.59%
2015 6.361.678.000.000 14.52%
2016 8.002.587.700.000 20.5%
2017 9.932.307.100.000 19.43%
2018 11.644.449.000.000 14.7%
2019 13.595.252.500.000 14.35%
2020 15.890.636.900.000 14.44%
2021 18.604.252.100.000 14.59%
2022 22.837.786.100.000 18.54%
2023 7.712.272.600.000 -196.12%

HDFC Bank Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
200.78
Net Income per Share
68
Price to Earning Ratio
24.13x
Price To Sales Ratio
8.11x
POCF Ratio
1584.79
PFCF Ratio
1571.76
Price to Book Ratio
1645.16
EV to Sales
6.83
EV Over EBITDA
12.52
EV to Operating CashFlow
1323.83
EV to FreeCashFlow
1323.83
Earnings Yield
0.04
FreeCashFlow Yield
0
Market Cap
12.370,66 Bil.
Enterprise Value
10.419,35 Bil.
Graham Number
39.07
Graham NetNet
-758.01

Income Statement Metrics

Net Income per Share
68
Income Quality
0.01
ROE
0.24
Return On Assets
0.02
Return On Capital Employed
0.02
Net Income per EBT
0.78
EBT Per Ebit
1.08
Ebit per Revenue
0.31
Effective Tax Rate
0.21

Margins

Sales, General, & Administrative to Revenue
0.04
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
0.83
Operating Profit Margin
0.31
Pretax Profit Margin
0.33
Net Profit Margin
0.26

Dividends

Dividend Yield
0.01
Dividend Yield %
1.16
Payout Ratio
0
Dividend Per Share
19

Operating Metrics

Operating Cashflow per Share
1.04
Free CashFlow per Share
1.04
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.08
Return on Tangible Assets
0.01
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
256,75
Book Value per Share
1,00
Tangible Book Value per Share
3960.63
Shareholders Equity per Share
1
Interest Debt per Share
1036.28
Debt to Equity
1017.21
Debt to Assets
0.2
Net Debt to EBITDA
-2.34
Current Ratio
0
Tangible Asset Value
30.101,20 Bil.
Net Current Asset Value
-5.760,96 Bil.
Invested Capital
1017.21
Working Capital
1.951,31 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.62

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.

HDFC Bank Limited Dividends
Year Dividends Growth
1997 1
1998 1 100%
1999 1 0%
2000 2 0%
2001 2 50%
2002 3 0%
2003 3 33.33%
2004 4 0%
2005 5 25%
2006 6 20%
2007 7 28.57%
2008 9 12.5%
2009 10 20%
2010 12 16.67%
2011 17 25%
2012 4 -300%
2013 6 20%
2014 7 16.67%
2015 8 25%
2016 10 11.11%
2017 11 18.18%
2018 13 15.38%
2019 20 35%
2021 7 -233.33%
2022 16 60%
2023 19 21.05%

HDFC Bank Limited Profile

About HDFC Bank Limited

HDFC Bank Limited provides various banking and financial services to individuals and businesses in India, Bahrain, Hong Kong, and Dubai. It operates in Treasury, Retail Banking, Wholesale Banking, Other Banking Business, and Unallocated segments. The company accepts savings, salary, current, rural, public provident fund, pension, and Demat accounts; fixed and recurring deposits; and safe deposit lockers; as well as offshore accounts and deposits, overdrafts against fixed deposits, and sweep-in facilities. It also provides personal, home, car, two wheeler, business, educational, gold, consumer, and rural loans; loans against properties, securities, rental receivables, and assets; loans for professionals; government sponsored programs; and loans on credit card, as well as working capital and commercial/construction equipment finance, healthcare/medical equipment and commercial vehicle finance, dealer finance, and term and professional loans. The company offers credit, debit, prepaid, and forex cards; payment and collection, export, import, remittance, bank guarantee, letter of credit, trade, hedging, and merchant and cash management services; insurance and investment products. It provides short term finance, bill discounting, structured finance, export credit, loan syndication, and documents collection services; online and wholesale, mobile, and phone banking services; unified payment interface, immediate payment, national electronic funds transfer, and real time gross settlement services; and channel financing, vendor financing, reimbursement account, money market, derivatives, employee trusts, cash surplus corporates, tax payment, and bankers to rights/public issue services, as well as financial solutions for supply chain partners and agricultural customers. As of March 31, 2022, the company had 21,683 banking outlets; 6,342 branches; and 18,130 automated teller machines in 3,188 cities/towns. HDFC Bank Limited was incorporated in 1994 and is based in Mumbai, India.

CEO
Mr. Sashidhar Jagdishan
Employee
173.222
Address
HDFC Bank House
Mumbai, 400013

HDFC Bank Limited Executives & BODs

HDFC Bank Limited Executives & BODs
# Name Age
1 Mr. Vinay K. Razdan
Chief HR Officer
70
2 Ms. Madhu Chhibber
Head of Corporation Communications
70
3 Mr. Sashidhar Jagdishan
MD, Chief Executive Officer & Director
70
4 Mr. Kaizad Maneck Bharucha
Deputy MD & Director
70
5 Mr. Srinivasan Vaidyanathan
Chief Financial Officer
70
6 Mr. Bhavesh Chandulal Zaveri
Group Head of Operations, ATM, Cash Management Product & Executive Director
70
7 Mr. Rakesh K. Singh
Group Head of Investment Banking, Private Banking, Marketing & Products
70
8 Mr. Ramesh Lakshminarayanan
Chief Information Officer & Group Head of IT
70
9 Ms. Ashima Khanna Bhat
Group Head of Bus. Fin. & Strategy, Admin., Infrastructure, ESG & CSR
70
10 Mr. Ajit Subhas Shetty
Investor Relations Officer
70
11 Mr. Santosh G. Haldankar
Senior Vice President of Legal & Company Sec.
70
12 Mr. Arun Mohanty
Group Head & Chief Compliance Officer
70

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