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Company Analysis

HDFC Bank Limited HDB

A comprehensive view of key metrics, scores, and financial health for HDFC Bank Limited

Overview of HDFC Bank Limited

HDB NYQ
Financial Services Banks - Regional Large Cap
HDFC Bank Limited (HDB), is a Large Cap company, in the Banks - Regional industry, last closed at $28.23, about 3777.5% undervalued vs fair value, -8.4% 1Y return, placing in the top 10% of its sector.
$28.23
-0.56%
As of March 13, 2026
Previous close • Vol 90d: 22.5%
Market Cap
$144.82B
Enterprise Value
$5.03T
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.hdfc.bank.in
HQ Mumbai
Employees 215,739
Fiscal year Mar 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$607
$1095
$2050
Current: $28.23 +3778% vs base

Engine Room Money Flow™

Large Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$3.2T
16%%
Interest Expense
$1.8T
Net Interest Income
$1.4T
12.5%%
Total Revenue
$2.4T
19.4%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
8.8%
Fair

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$221.5B
32.9% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating HDFC Bank Limited's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
54
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
55
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing HDB's balance between Growth (28.7%), Profitability (38.2%), and Safety (33.1%). Growth 29% Safety 33% Profitability 38%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

59th percentile vs peers
59
Key Signals
Revenue CAGR 3Y 32.5% 87p Asset Growth YoY 9.2% 75p Rev Growth YoY 19.4% 23p
Strengths
  • Revenue Cagr 3Y in top 20% of peers (32.5%, 87th percentile)
  • Operating Margin in top 20% of peers (54.9%, 96th percentile)
  • Roa in top 20% of peers (1.5%, 86th percentile)
  • Net Profit Margin in top 20% of peers (28.4%, 90th percentile)
  • Roa in top 20% of peers (1.5%, 86th percentile)
Risks

No significant risks identified for this axis.

Profitability

79th percentile vs peers
79
Key Signals
Strengths
Risks
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Safety

68th percentile vs peers
68
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for HDFC Bank Limited.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$1094.62
- - -
+3777.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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