HDFC Bank Ltd
NSE: HDFCBANK BSE: 500180
â‚ą732.45
+6.95 (0.96%)
Sat, 07 Nov 2026, 08:44 am
Market Cap (in Cr)1079161.75
PE Ratio14.12
Dividend1.86
Finance
Major Banks
24.5KHDFC Bank Analysis
dividend
- Dividends after 3 years are expected to be well covered by earnings (5.5x coverage).
- Unable to calculate sustainability of dividends as HDFC Bank has not reported any payouts.
- Unable to evaluate HDFC Bank's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
- Unable to evaluate HDFC Bank's dividend against the top 25% market benchmark as the company has not reported any payouts.
future
- Performance (ROE) is expected to be above the current IN Banks industry average.
- An improvement in HDFC Bank's performance (ROE) is expected over the next 3 years.
- HDFC Bank's earnings are expected to grow by 2.9% yearly, however this is not considered high growth (20% yearly).
- HDFC Bank's earnings growth is positive but not above the India market average.
- HDFC Bank's earnings growth is positive but not above the low risk savings rate of 7.2%.
- HDFC Bank's earnings are expected to decrease over the next year.
- HDFC Bank's net income is expected to increase but not above the 50% threshold in 2 years time.
- HDFC Bank is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
health
- HDFC Bank's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
- HDFC Bank has a sufficient allowance for bad loans.
- HDFC Bank's liabilities are made up of primarily low risk sources of funding.
- HDFC Bank has an acceptable proportion of non-loan assets held.
- Loans at HDFC Bank are broadly funded by customer deposits.
- HDFC Bank has an acceptable level of bad loans (less than 2%).
management
- The tenure for the HDFC Bank board of directors is about average.
- The tenure for the HDFC Bank management team is about average.
- Aditya's remuneration is higher than average for companies of similar size in India.
- Aditya's compensation has increased by more than 20% in the past year whilst earnings grew less than 20%.
- HDFC Bank individual insiders have sold more shares than they have bought in the past 3 months.
misc
- HDFC Bank is covered by less than 3 analysts.
past
- HDFC Bank's 1-year earnings growth exceeds its 5-year average (22% vs 18.5%)
- HDFC Bank's year on year earnings growth rate has been positive over the past 5 years.
- HDFC Bank used its assets more efficiently than the IN Banks industry average last year based on Return on Assets.
- HDFC Bank's earnings growth has exceeded the IN Banks industry average in the past year (22% vs 21%).
- HDFC Bank has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
value
- 500180 outperformed the Banks industry which returned -37.5% over the past year.
- BSE:500180 is up 11.5% outperforming the Banks industry which returned 7.6% over the past month.
- BSE:500180 is up 11.5% outperforming the market in India which returned 8% over the past month.
- HDFC Bank's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
- HDFC Bank's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
- HDFC Bank is overvalued based on assets compared to the IN Banks industry average.
- HDFC Bank is poor value based on expected growth next year.
- HDFC Bank is overvalued based on earnings compared to the IN Banks industry average.
- HDFC Bank is overvalued based on earnings compared to the India market.
- 500180 underperformed the Market in India which returned -14.5% over the past year.
