HDFCBANK.NS — HDFC Bank Limited ₹742.00

FINANCIAL · Generated 2026-08-04 21:29
USAIND

Price graph

52-Week Range
726.65 – 1,020.50
P/E (TTM)
16.20
EPS (TTM)
45.79
Earnings Date (est.)
Jul 18, 2026
Forward Dividend & Yield
13.00 (1.73%)
Ex-Dividend Date
Jun 19, 2026
1y Target Est
1,024.95

Quality Scorecard Transitional

C56/100
❌ Pricing power (gross margin) 0% Gross margin 0% — thin margins
🟡 Return on equity 14% ROE 14% — decent returns
⚪ Leverage (net debt / EBITDA) — data unavailable
⚪ Interest coverage — data unavailable
✅ Earnings consistency (revenue) 0/3 down 0 revenue-down year(s) in 3 — no down years
🟡 Earnings growth (net income YoY) +5% Net income +5% YoY — earnings roughly flat
✅ Cash conversion (CFO/NI) 159% Operating cash ÷ net income 159% — earnings convert to cash
⚪ Operating margin trend — data unavailable
🟡 Revenue growth 17% Revenue +17% — moderate growth
❌ Growth trajectory sharp deceleration YoY +5% vs +24% prior 2-yr avg — sharp deceleration
✅ Free cash flow margin 55% FCF margin 55% — strong cash generation
🟡 Returns capital to shareholders yes dividend ~1.7%; shares +101.4%/yr

Transitional-stage checklist (proxy metrics from yfinance). 9 of 12 criteria scored. Not financial advice.

Buy-Now Score

62/100
Quality ×40%56
Trajectory ×30%44
Valuation ×30%88

Comparative rank: 40% Quality + 30% Trajectory + 30% Valuation — higher = better buy now. Not financial advice.

Valuation

₹667.80₹1,127.45
Price ₹742.00Analyst ₹1,024.95 (+38%)

Analyst: 40 analysts. MarketGist fair = analyst consensus only (no DCF — financial, or no free-cash-flow data). Not financial advice.

Key Trends (6-yr)

GAAP EPS
▲ +2.1% YoY
Sales
▲ +4.7% YoY
Shares Outstanding
▲ +0.6% YoY

Company Overview

Basic Information

Company Name: HDFC Bank Limited
Symbol: HDFCBANK.NS
Exchange: NSI
Sector: Financial Services
Industry: Banks - Regional

Company Details

Country: India
City: Mumbai
Employees: 212,958
Market Cap: ₹11.43T
Website: https://www.hdfc.bank.in

Business Description

HDFC Bank Limited provides banking and financial products and services to individuals and businesses in India, Bahrain, Hong Kong, Singapore, and Dubai. The company operates through Treasury, Retail Banking, Wholesale Banking, Other Banking Business, Insurance Business, and Other segments. It offers 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, and overdrafts against fixed deposits. The company also provides personal, home, car and pre owned car, marriage, two-wheeler, business, doctor, educational, gold, consumer, and rural loans; loans against properties, securities, mutual funds, and car; loans for professionals; government sponsored programs; and loans on credit card, as well as working capital, term loans, supply chain management, project finance, export finance, commercial vehicle / equipment finance, tractor finance, infrastructure, and agriculture finance. In addition, it offers credit, debit, prepaid, forex, and kisan gold cards; payment and collection, export, import, remittance, bank guarantee, letter of credit, trade, hedging, and merchant and cash management services; and insurance and investment products. Further, the company provides short term finance, bill discounting, structured finance, export credit, loan repayment, custodial, and documents collection services; online, mobile, and phone banking services; unified payment interface, immediate payment, national electronic funds transfer, and real time gross settlement services; channel financing, vendor financing, money market, derivatives, employee trusts, cash surplus corporates, tax payment, and bankers to rights/public issue services; and financial solutions for supply chain partners and agricultural customers. It operates branches and automated teller machines in various cities/towns. The company was incorporated in 1994 and is headquartered in Mumbai, India.

Key Metrics

Price & Valuation

Current Price
₹742.00
Market Cap
₹11.43T
P/E Ratio
16.20
Forward P/E
11.85
PEG Ratio
0.89
Price to Book
1.88

Profitability

Profit Margin: 26.79%
Operating Margin: 33.29%
Gross Margin: 0.00%
Return on Equity (ROE): 13.84%
Return on Assets (ROA): 1.75%
Revenue Growth: 16.60%

Financial Health

Current Ratio: N/A
Quick Ratio: N/A
Debt to Equity: N/A
Total Debt: ₹5.66T
Total Cash: ₹2.38T
Beta: 0.41

Trading & Analyst Info

52-Week Range

52-Week High: ₹1.02K
52-Week Low: ₹726.65
50-Day Average: ₹777.39
200-Day Average: ₹866.19

Analyst Recommendations

Recommendation: STRONG_BUY
Target Mean Price: ₹1.02K
Target High: ₹1.40K
Target Low: ₹896.00

Quarterly Verdict

🟡 61/100

Hold / watch

Quality grade C; 2 improving / 1 weakening metrics YoY.

➖ Pricing power (gross margin): Gross margin 0% — thin margins
➕ Earnings consistency (revenue): 0 revenue-down year(s) in 3 — no down years
➕ Cash conversion (CFO/NI): Operating cash ÷ net income 159% — earnings convert to cash
➖ Growth trajectory: YoY +5% vs +24% prior 2-yr avg — sharp deceleration
➕ Free cash flow margin: FCF margin 55% — strong cash generation
➖ Free cash flow -5.6% YoY
➕ Cash +13.3% YoY
➕ Debt -9.3% YoY

Heuristic from the Quality Scorecard + quarter-over-quarter trends. Not financial advice.

Financial Statements

Income Statement (Annual)

Item2026-03-312025-03-312024-03-312023-03-312022-03-31
Tax Effect Of Unusual Items₹0.00₹0.00₹0.00₹0.00N/A
Tax Rate For Calcs₹0.23₹0.20₹0.11₹0.25N/A
Total Unusual ItemsN/AN/A₹0.00N/AN/A
Total Unusual Items Excluding GoodwillN/AN/A₹0.00N/AN/A
Net Income From Continuing Operation Net Minority Interest₹704.79B₹673.51B₹622.66B₹495.45BN/A
Reconciled Depreciation₹61.83B₹63.02B₹52.35B₹23.49BN/A
Net Interest Income₹1.50T₹1.40T₹1.25T₹913.99BN/A
Interest Expense₹1.86T₹1.82T₹1.53T₹775.54BN/A
Interest Income₹3.36T₹3.23T₹2.78T₹1.69TN/A
Normalized Income₹704.79B₹673.51B₹622.66B₹495.45BN/A
Net Income From Continuing And Discontinued Operation₹704.79B₹673.51B₹622.66B₹495.45BN/A
Diluted Average Shares₹15.41B₹15.32B₹7.11B₹5.59BN/A
Basic Average Shares₹15.36B₹15.26B₹14.16B₹11.13BN/A
Diluted EPS₹45.75₹44.82₹44.16₹88.68N/A
Basic EPS₹45.89₹45.01₹88.66₹44.51N/A

Showing 15 of 41 rows

Balance Sheet (Annual)

Item2026-03-312025-03-312024-03-312023-03-31
Treasury Shares Number₹107.57K₹17.07K₹12.04KN/A
Ordinary Shares Number₹15.39B₹15.30B₹15.19B₹11.16B
Share Issued₹15.39B₹15.30B₹15.19B₹11.16B
Net Debt₹2.82T₹3.95T₹4.54T₹690.21B
Total Debt₹6.64T₹7.33T₹8.09T₹3.15T
Tangible Book Value₹5.19T₹4.68T₹3.92T₹2.84T
Invested Capital₹14.64T₹14.85T₹14.91T₹5.97T
Net Tangible Assets₹5.19T₹4.68T₹3.92T₹2.84T
Capital Lease Obligations₹174.56B₹153.93B₹131.04B₹97.66B
Common Stock Equity₹8.17T₹7.68T₹6.95T₹2.91T
Total Capitalization₹13.29T₹13.54T₹13.60T₹4.88T
Total Equity Gross Minority Interest₹9.16T₹8.62T₹7.89T₹2.92T
Minority Interest₹993.30B₹946.00B₹938.86B₹5.64B
Stockholders Equity₹8.17T₹7.68T₹6.95T₹2.91T
Other Equity InterestN/AN/A₹26.53BN/A

Showing 15 of 59 rows

Cash Flow Statement (Annual)

Item2026-03-312025-03-312024-03-312023-03-31
Free Cash Flow₹1.07T₹1.13T₹968.48B₹433.58B
Repurchase Of Capital StockN/AN/A₹-2.30BN/A
Repayment Of Debt₹-1.70T₹-1.46T₹-1.40T₹-558.11B
Issuance Of Debt₹860.67B₹661.23B₹1.16T₹1.02T
Issuance Of Capital StockN/AN/A₹76.00BN/A
Capital Expenditure₹-52.78B₹-66.40B₹-53.84B₹-43.62B
Interest Paid Supplemental Data₹1.85T₹1.80T₹1.41T₹745.49B
Income Tax Paid Supplemental Data₹223.56B₹195.41B₹199.75B₹163.67B
End Cash Position₹2.55T₹1.98T₹2.09T₹1.39T
Other Cash Adjustment Outside Changein CashN/AN/A₹111.82BN/A
Beginning Cash Position₹1.98T₹2.09T₹1.39T₹1.12T
Effect Of Exchange Rate Changes₹51.10B₹-2.01B₹1.54B₹7.04B
Changes In Cash₹513.81B₹-101.09B₹697.10B₹258.33B
Financing Cash Flow₹2.97T₹2.42T₹3.35T₹4.17T
Cash Flow From Continuing Financing Activities₹2.97T₹2.42T₹3.35T₹4.17T

Showing 15 of 66 rows

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