HDFC Bank Ltd.

NSE: HDFCBANK  SECTOR: Bank - Private

1483.2
+16.85 (1.15%)

Price Summary

Today's High

₹ 1503

Today's Low

₹ 1467.95

52 Week High

₹ 1494

52 Week Low

₹ 738.9

FinStar

Ownership Very Stable
High level of belief in company’s potential exhibited by insiders.
ValuationFair
The stock’s market price justifies its intrinsic value.
EfficiencyExcellent
The company knows very well the utilization of its assets.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.

Company Essentials

Market Cap

816895.67615424 Cr.

CASA %

42.2330318674177

No. of Shares

550.7656932 Cr.

P/E

27.36

P/B

4.39

Face Value

₹ 1

Div. Yield

0.17%

Book Value (TTM)

₹  337.9165

Net Interest Income

56186.253 Cr.

Cost To Income %

38.6389683636383

Promoter Holding

26%

EPS (TTM)

₹  54.2113

CAR %

18.52%

ROE

16.4009617449315 %

ROCE

15.2704361718327 %

Profit Growth

22.869705380176 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1w1m3m6m1Yr3Yr5Yr

* Prices are based on daily market changes.

Valuation Chart 1w1m3m6m1Yr3Yr5Yr

* The chart is based on the standalone earnings of the company.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

ROE%

1 Year16.4%
3 Year16.92%
5 Year17.39%

ROA%

1 Year1.89%
3 Year1.84%
5 Year1.84%

Net NPA%

1 Year0.36%
3 Year0.38%
5 Year0.35%

 NIM

1 Year3.82%
3 Year3.93%
5 Year3.95%

CAR %

18.52

Cost of Liabilities %

4.53718744670719

PEG Ratio

NA

Advances Growth %

21.2718333641205

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Dec 2020 26 0
Sep 2020 26.02 0
Jun 2020 26.1 0
Mar 2020 26.14 0
Dec 2019 26.18 0
* Figures given above are % of equity capital

 Strengths

  • The bank has been maintaining a healthy ROA of 1.84424225190342% since last 3 years.
  • Company has a good Return on Equity (ROE) track record: 3 Years ROE 16.9220451977499%.
  • The company has been consistently maintaining a NIM of 3.92505625435073% since last 3 years.
  • The Bank is prominently managing its Non-Performing Assets, Average NET NPA of last 3 years is 0.383333333333333%.
  • Good Capital Adequacy Ratio of 18.52%.
  • The company has delivered good Profit growth of 21.7491702944542% over the past 3 years.
  • Strong Advances growth of 21.4601634218694% in the last 3 years.

 Limitations

  • Increase in Provision and contingencies of 60.8245902931698% on YoY.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020
Interest Earned 29369.72 29885.06 30377.97 29976.97 30079.7
Other Income 6669.28 6032.57 4075.31 6092.45 7443.22
Interest Expended 15196.82 14681 14712.55 14200.58 13762.09
Operating Expenses 7896.77 8277.81 6911.46 8055.06 8574.81
Total Provisions 3043.56 3784.49 3891.52 3703.5 3414.13
Profit Before Tax 9901.85 9174.33 8937.75 10110.28 11771.89
Tax 2485.37 2246.64 2279.13 2597.17 3013.6
Net Profit 7416.48 6927.69 6658.62 7513.11 8758.29
Net NPA % 0.48 0.36 0.33 0.17 0.09
Gross NPA % 1.42 1.26 1.36 1.08 0.81
Return on Assets % 0.55 0.49 0.44 0.48 0.55
NPM % 25.25 23.18 21.92 25.06 29.12

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
Interest Earned 60221.45 69305.96 80241.36 98972.05 114812.65
Other Income 10751.72 12296.5 15220.3 17625.88 23260.82
Interest Expended 32629.93 36166.73 40146.49 50728.83 58626.4
Operating Expenses 16979.7 19703.34 22690.38 26119.37 30697.53
Total Provisions 2725.61 3593.31 5927.49 7550.08 12142.39
Profit Before Tax 18637.92 22139.07 26697.3 32199.66 36607.16
Taxes 6341.71 7589.43 9210.57 11121.49 10349.84
Net Profit 12296.21 14549.64 17486.73 21078.17 26257.32
Adjusted EPS (Rs.) 24.32 28.39 33.69 38.7 47.89

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
Equity and Liabilities
Share Capital 505.64 512.51 519.02 544.66 548.33
Total Reserves 72172.13 88949.84 105775.98 148661.69 170437.7
Deposits 546424.19 643639.66 788770.64 923140.93 1147502.29
Borrowings 84968.98 74028.87 123104.97 117085.12 144628.54
Other Liabilities 36725.13 56709.32 45763.72 55108.29 67394.4
Total Liabilities 740796.07 863840.19 1063934.32 1244540.69 1530511.26
Assets
Balance with RBI 30058.31 37896.88 104670.47 46763.62 72205.12
Balance with Banks 8860.53 11055.22 18244.61 34584.02 14413.6
Investments 195836.28 214463.34 242200.24 293116.07 391826.66
Advances 464593.96 554568.2 658333.09 819401.22 993702.88
Net Block 3343.16 3626.74 3607.2 4030 4431.92
Other Assets 38103.84 42229.82 36878.7 46645.76 53931.09
Total Assets 740796.07 863840.19 1063934.32 1244540.69 1530511.26
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Company Presentations

Company News

HDFC Bank Stock Price Analysis and Quick Research Report. Is HDFC Bank an attractive stock to invest in?

 

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Let’s look at how HDFC Bank is performing and if it is the right time to buy the stock of HDFC Bank with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. HDFC Bank has earned Rs 114812.6509 Cr. revenue in the latest financial year. It has posted outstanding revenue growth of 18.3238596100528 % in last 3 Years.

  • In terms of advances, the bank reported 21.2718333641205 % YOY,  rise . If you see 3 years advance growth, it stands at 21.4601634218694 %.

  • Currently the company has a CASA ratio of 42.2330318674177 %. It’s overall cost of liability stands at 4.53718744670719 %. Also, the total deposits from these accounts stood at Rs 1147502.2947 Cr.

  • The Bank has a healthy ROA track record. The ROA of HDFC Bank is at 1.89238367265384 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 1.26 % and 0.36 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is positive at 60.8245902931698 % which means it has increased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of HDFC Bank decreased and is currently at Rs 232.608187 Cr.

  • The company has a Good Capital Adequacy Ratio of 18.52 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently HDFC Bank is trading at a P/B of 4.38925000702836 . The historical average PB was 3.89355532378639.

Brief about HDFC Bank

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