HDFCBANK:NSE-HDFC Bank Limited (INR)

COMMON STOCK | Banks-Regional | NSE

Last Closing Price

INR 1,606.40

Change

-0.05 (0.00)%

Market Cap

INR 8,852.86B

Volume

0.01B

Average Target Price

INR 1,520.97 (-5.32%)
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

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, and Demat accounts; fixed and recurring deposits; and safe deposit lockers, and rural and pension accounts, as well as offshore accounts and deposits, overdrafts against fixed deposits and salaries, and sweep-in facilities. It also provides personal, home, car, two wheeler, three wheeler, business, educational, gold, rural, and term loans; loans against properties, assets, and securities; loans for professionals; government sponsored programs; and loans on credit card, as well as working capital and commercial/construction equipment finance, term and professional loans, healthcare/medical equipment and commercial vehicle finance, and dealer finance. In addition, the company offers credit, debit, prepaid, and forex cards; payment and collection, export, import, remittance, bank guarantee, letter of credit, trade, hedging, loan syndication, and merchant and cash management services; and insurance and investment products. Further, it provides short term finance, bill discounting, structured finance, export credit, documents collection, Internet and wholesale banking, mobile banking, real time gross settlement, 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, 2020, it had 5,416 branches and 13,640 automated teller machines in 2,803 cities/towns. HDFC Bank Limited was founded in 1994 and is based in Mumbai, India.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-02-25 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
ICICIBANK:NSE ICICI Bank Limited

-13.10 (-2.04%)

INR4,394.49B 29.02 N/A
KOTAKBANK:NSE Kotak Mahindra Bank Limited

-15.70 (-0.82%)

INR3,854.41B 41.04 N/A
SBIN:NSE State Bank of India

+1.00 (+0.25%)

INR3,625.62B 15.63 N/A
AXISBANK:NSE Axis Bank Limited

+21.25 (+2.84%)

INR2,294.96B 73.11 N/A
INDUSINDBK:NSE IndusInd Bank Limited

+39.75 (+3.71%)

INR827.28B 33.00 N/A
BANDHANBNK:NSE Bandhan Bank Limited

+7.05 (+2.10%)

INR539.45B 20.60 N/A
PNB:NSE Punjab National Bank

+0.10 (+0.24%)

INR443.21B 35.70 N/A
YESBANK:NSE Yes Bank Limited

N/A

INR409.70B 8.90 N/A
BANKBARODA:NSE Bank of Baroda

+1.60 (+1.81%)

INR407.99B 14.85 N/A
AUBANK:NSE AU Small Finance Bank Limited

-19.60 (-1.65%)

INR364.30B 32.69 N/A

ETFs Containing HDFCBANK

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Banks-Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 12.73% 39% F 68% D+
Dividend Return N/A N/A N/A N/A N/A
Total Return 12.73% 39% F 68% D+
Trailing 12 Months  
Capital Gain 33.93% 79% C+ 51% F
Dividend Return N/A N/A N/A N/A N/A
Total Return 33.93% 79% C+ 51% F
Trailing 5 Years  
Capital Gain 234.32% 93% A 88% B+
Dividend Return 5.57% 56% F 49% F
Total Return 239.89% 93% A 87% B+
Average Annual (5 Year Horizon)  
Capital Gain 19.27% 94% A 80% B-
Dividend Return 0.69% 65% D 49% F
Total Return 19.96% 94% A 81% B-
Risk Return Profile  
Volatility (Standard Deviation) 19.45% 85% B 89% B+
Risk Adjusted Return 102.64% 97% A+ 98% A+
Market Capitalization 8,852.86B 100% A+ 100% A+
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks-Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 28.86 48% F 36% F
Price/Book Ratio 4.35 9% F 20% F
Price / Cash Flow Ratio -3.68 82% B- 87% B+
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 16.56% 94% A 83% B
Return on Invested Capital -2.80% 15% F 18% F
Return on Assets 1.95% 91% A- 49% F
Debt to Equity Ratio 105.94% 41% F 15% F
Technical Ratios  
Short Ratio N/A N/A N/A N/A N/A
Short Percent N/A N/A N/A N/A N/A
Beta 0.85 90% A- 64% D
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (INR)

Quarterly Financials (INR)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
High market capitalization

This is one of the largest entities in its sector and is among the top quartile. Such companies tend to be more stable.

Superior risk adjusted returns

This stock has performed well, on a risk adjusted basis, compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile.

Low volatility

The stock’s annual returns have been stable and consistent compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile. Although stability is good, also keep in mind it can limit returns.

High dividend returns

The stock has outperformed its sector peers on average annual dividend returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile. This can be a good buy, especially if it is outperforming on total return basis , for investors seeking high income yields.

Superior return on equity

The company management has delivered better return on equity in the most recent 4 quarters then its peers, placing it in the top quartile.

Superior return on assets

The company management has delivered better return on assets in the most recent 4 quarters than its peers, placing it in the top quartile.

Superior Earnings Growth

This stock has shown top quartile earnings growth in the previous 5 years compared to its sector.

What to not like:
Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Negative cashflow

The company had negative total cash flow in the most recent four quarters.