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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 $25.35, about 4218.0% undervalued vs fair value, -30.3% 1Y return, placing in the top 10% of its sector.
Metrics P/E 0.3× Rev Growth 19.4% ROE 9.2% Div Yield 94.04%
$25.35
-1.40%
As of April 28, 2026
Previous close • Vol 90d: 30.9%
52-Week Range
Market Cap
$129.19B
Enterprise Value
$5.01T
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Good
Health
Fair
Efficiency
Weak
Valuation
Weak
Growth
Good
Profitability
Good
Health
Fair
Efficiency
Weak
Valuation
Weak
Completeness: 82%
Confidence: 80%
Updated: Mar 8
Top Beats

Quick Facts

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

Next Events

Earnings Apr 18

Fair Value Snapshot

Bear Base Bull
$607
$1095
$2050
Current: $25.35 +4218% 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
52
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
51
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Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing HDB's balance between Growth (37.0%), Profitability (29.8%), and Safety (33.3%). Growth 37% Safety 33% Profitability 30%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

72th percentile vs peers
72
Key Signals
NII Growth YoY 12.5% 82p Asset Growth YoY 9.2% 75p Equity Growth YoY 10.5% 71p EPS Growth YoY 0.4% 48p
Strengths
  • NII Growth YoY in top 20% of peers (12.5%, 82th percentile)
  • ROA in top 20% of peers (1.5%, 86th percentile)
  • Equity/Assets in top 20% of peers (17.9%, 95th percentile)
  • Debt/Assets in top 20% of peers (15.2%, 90th percentile)
  • D/E Ratio in top 20% of peers (95.4%, 82th percentile)
Risks

No significant risks identified for this axis.

Profitability

58th percentile vs peers
58
Key Signals
Strengths
Risks
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Safety

64th percentile vs peers
65
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
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Bear
-
- - -
- upside
-
Base
$1094.62
- - -
+4218.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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