HDFC Bank

HDFC Bank Ltd.

NSE: HDFCBANK BSE: 500180 SECTOR: Bank - Private  1292k   14k   3k

1615.80
-32.85 (-1.99%)
NSE: 27 Jan 03:58 PM

Price Summary

Today's High

₹ 1637

Today's Low

₹ 1589.95

52 Week High

₹ 1722.1

52 Week Low

₹ 1271.6

FinStar

Ownership Very Stable
High level of belief in company’s potential exhibited by insiders.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyExcellent
The company knows very well the utilization of its assets.
FinancialsAverage
The company could improve upon its asset employment.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 901092.14 Cr.

CASA %

48.17

No. of Shares

557.68 Cr.

P/E

21.4

P/B

3.37

Face Value

₹ 1

Div. Yield

0.93 %

Book Value (TTM)

₹  479.75

Net Interest Income

₹ 72009.59 Cr.

Cost To Income %

36.88

Promoter Holding

25.6 %

EPS (TTM)

₹  75.52

CAR %

18.9

ROE

16.67 %

ROCE

14.62%

Profit Growth

18.78 %

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* 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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Index Presence

The company is present in 39 Indices.

BANKNIFTY

Nifty Bank
40345.3
  -1302.35 (-3.12706719346709%)

NIFTYSERVICE

Nifty Services Sector
23821
  -712.049999999999 (-2.9024112370863%)

NIFTYPTBNK

Nifty Private Bank
20629.6
  -571.150000000001 (-2.69400846668161%)

NIFTYEQWGT

NIFTY50 Equal Weight
20186.2
  -235.25 (-1.1519750066719%)

NIFTY100WEIGHT

Nifty100 Equal Weight
19801.55
  -423.100000000002 (-2.09200159211657%)

NIFTYFINANCE

Nifty Financial Services
18030.85
  -457.700000000001 (-2.47558624121416%)

NIFTY

Nifty 50
17604.35
  -287.600000000002 (-1.60742680367429%)

NIFTY100

Nifty 100
17594.5
  -379.849999999999 (-2.11328921490902%)

NTYFIN2550

Nifty Financial Services 25/50
17401.15
  -375.899999999998 (-2.11452406332883%)

NIFTY500

Nifty 500
14874.75
  -297.200000000001 (-1.95887806115892%)

NT100LOW30

Nifty100 Low Volatility 30
13141.75
  -78.25 (-0.591906202723147%)

NIFTYLGEMID250

NIFTY LargeMidcap 250
9768.65
  -166.550000000001 (-1.67636283114584%)

NY500MUL50:25:25

Nifty500 Multicap 50:25:25
9665.8
  -179.150000000001 (-1.81971467605221%)

NIFTY200

Nifty 200
9202.15
  -190.9 (-2.0323537083269%)

NIFTYTOTALMCAP

Nifty Total Market index
8281.4
  -167.1 (-1.97786589335386%)

NSEQ30

NIFTY100 Quality 30
3848.2
  -21.5500000000002 (-0.55688351960721%)

NIFTY100ESG

NIFTY100 ESG
3334.85
  -64.6500000000001 (-1.9017502573908%)

NFTQTLO30

NIFTY Quality Low-Volatility 30
12241.9
  -71.8400000000001 (-0.583413325277293%)

NIFTY500VAL50

NIFTY500 Value 50
6995.36
  -161.070000000001 (-2.25070321375324%)

NIFTYHOUSING

Nifty Housing Index
7758.24
  -306.43 (-3.7996595024967%)

NIFTYLOWVOL

Nifty Low Volatility 50
15746.96
  -134.02 (-0.843902580319356%)

SENSEX

S&P Bse Sensex
59330.9
  -874.159999999996 (-1.45197098051226%)

BANKEX

S&P Bse Bankex
45756.11
  -1443.42 (-3.05812367199418%)

BSE500

S&P Bse 500
23688.98
  -475.18 (-1.96646603896018%)

SNSX50

S&P Bse Sensex50
18531.94
  -303.560000000001 (-1.61163759921426%)

BSE100

S&P Bse 100
17852.25
  -295.91 (-1.63052342496429%)

BSEPVTBANK

S&P Bse Private Bank
15218.6
  -398.15 (-2.54950613924152%)

BSE200

S&P Bse 200
7561.79
  -155.2 (-2.01114683315645%)

LMI250

S&P Bse 250 LargeMidCap
7146.76
  -144.3 (-1.97913609269434%)

ALLCAP

S&P Bse Allcap
6803.96
  -137.99 (-1.98777000698651%)

LRGCAP

S&P Bse LargeCap
6754.46
  -147.27 (-2.13381282663911%)

BSE100LARGECAPTMC

S&P Bse 100 LargeCap TMC
6409.2
  -139.45 (-2.12944652714682%)

CARBONEX

S&P Bse Carbonex
2916.58
  -50.0999999999999 (-1.68875645502716%)

SPBSLVIP

S&P Bse Low Volatility
1217.89
  -9.77999999999997 (-0.796631016478366%)

DFRGRI

S&P Bse Diversified Finl. Rev.
1012.21
  -14.1399999999999 (-1.37769766648803%)

S&PDIVSTABLE

S&P Bse Dividend Stability
610.28
  -10.33 (-1.66449138750585%)

ESG100

S&P Bse 100 ESG Index
293.88
  -5.00999999999999 (-1.67620194720466%)

FIN

S&P Bse Finance
8481.55
  -215.870000000001 (-2.4820004093168%)

S&P LARGEMIDCAP

S&P Bse Large MidCap
7108.46
  -145.36 (-2.00390966414937%)

Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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

 Group Companies

Track the companies of Group.

Ratios

ROE%

1 Year16.67%
3 Year16.56%
5 Year16.81%

ROA%

1 Year1.94%
3 Year1.91%
5 Year1.87%

Net NPA%

1 Year0.32%
3 Year0.36%
5 Year0.37%

 NIM

1 Year3.64%
3 Year3.76%
5 Year3.85%

CAR %

18.9

Cost of Liabilities %

3.19623972415333

PEG Ratio

1.18

Advances Growth %

20.8312738185839

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Dec 2022 25.6 0
Sep 2022 25.64 0
Jun 2022 25.73 0
Mar 2022 25.78 0
Dec 2021 25.8 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • The bank has been maintaining a healthy ROA of 1.9095760883418% since last 3 years.
  • Company has a good Return on Equity (ROE) track record: 3 Years ROE 16.5593042917495%.
  • The company has been consistently maintaining a NIM of 3.76164435878651% since last 3 years.
  • The Bank is prominently managing its Non-Performing Assets, Average NET NPA of last 3 years is 0.36%.
  • CASA stands at 48.168339048337% of total deposits.
  • Other Income is 23.0991623593165% of total income.
  • Cost to Income ratio stands at 36.8817705058772 %
  • Good Capital Adequacy Ratio of 18.9%.
  • The company has delivered good Profit growth of 20.5882594810042% over the past 3 years.

 Limitations

 Looks like the company does not have any serious limitations.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022
Interest Earned 32468.05 33448.72 35172.04 38586.38 42707.77
Other Income 8183.55 7637.06 6388.23 7595.58 8499.84
Interest Expended 14024.57 14575.98 15690.62 17565.22 19719.94
Operating Expenses 9851.08 10152.79 10501.81 11224.57 12463.6
Total Provisions 2993.98 3312.35 3187.73 3240.13 2806.44
Profit Before Tax 13781.97 13044.66 12180.11 14152.04 16217.63
Tax 3439.77 2989.48 2984.12 3546.26 3958.14
Net Profit 10342.2 10055.18 9195.99 10605.78 12259.49
Net NPA % 0.37 0.32 0.35 0.33 0.33
Gross NPA % 1.26 1.17 1.28 1.23 1.23
Return on Assets % 0.56 0.52 0.46 0.51 0.56
NPM % 31.85 30.06 26.15 27.49 28.71

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

PARTICULARS Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Interest Earned 80241.36 98972.05 114812.65 120858.23 127753.12
Other Income 15220.3 17625.88 23260.82 25204.89 29509.9
Interest Expended 40146.49 50728.83 58626.4 55978.66 55743.53
Operating Expenses 22690.38 26119.37 30697.53 32722.63 37442.19
Total Provisions 5927.49 7550.08 12142.39 15702.85 15061.83
Profit Before Tax 26697.3 32199.66 36607.16 41658.99 49015.48
Taxes 9210.57 11121.49 10349.84 10542.46 12054.12
Net Profit 17486.73 21078.17 26257.32 31116.53 36961.36
Adjusted EPS (Rs.) 33.69 38.7 47.89 56.44 66.65

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Equity and Liabilities
Share Capital 519.02 544.66 548.33 551.28 554.55
Total Reserves 105775.98 148661.69 170437.7 203169.55 239212.42
Deposits 788770.64 923140.93 1147502.29 1335060.22 1559217.44
Borrowings 123104.97 117085.12 144628.54 135487.32 184817.21
Other Liabilities 45763.72 55108.29 67394.4 72602.15 84407.46
Total Liabilities 1063934.32 1244540.69 1530511.26 1746870.52 2068535.05
Assets
Balance with RBI 104670.47 46763.62 72205.12 97340.74 129995.64
Balance with Banks 18244.61 34584.02 14413.6 22129.66 22331.29
Investments 242200.24 293116.07 391826.66 443728.29 455535.69
Advances 658333.09 819401.22 993702.88 1132836.63 1368820.93
Net Block 3607.2 4030 4431.92 4909.32 6083.67
Other Assets 36878.7 46645.76 53931.09 45925.89 85767.83
Total Assets 1063934.32 1244540.69 1530511.26 1746870.52 2068535.05
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Dec 2021% Mar 2022% Jun 2022% Sep 2022% Dec 2022%
Promoters 25.80 25.78 25.73 25.64 25.60
housing developmen... 19.01 - - - -
housing developmen... - - - - -
housing developmen... - 18.63 18.57 18.53 18.45
housing developmen... - - - - -
hdfc investments l... - 7.11 7.09 7.07 7.04
hdfc investments ... - - - - -
hdfc investments ... 6.60 - - - -
hdfc investments ... - - - - -
PARTICULARS Dec 2021% Mar 2022% Jun 2022% Sep 2022% Dec 2022%
Investors 74.20 74.22 74.27 74.36 74.40
europacific growth... - 4.80 4.67 4.66 5.02
sbi nifty 50 etf 5.10 - - - -
sbi-etf nifty 50 - 1.81 2.02 2.12 2.07
lici asm non par 4.12 - - - -
life insurance cor... - 2.45 2.45 2.43 2.42
icici prudential b... 1.89 - - - -
hdfc trustee compa... 1.79 - - - -
uti - nifty exchan... 1.57 - - - -
hdfc trustee compa... - - - 1.53 -
icici prudential l... - 1.48 1.52 1.52 1.41
hdfc trustee compa... - - 1.49 - -
government of sing... - 1.37 1.39 1.35 1.33
capital world grow... - 1.38 1.34 - -
hdfc trustee compa... - - - - 1.37
hdfc trustee compa... - 1.34 - - -
hdfc trustee compa... - - - - -
nippon life india ... - - - - -
iepf - - - - 0.13
investor education... 0.15 - - - -
iepf authority - - 0.13 - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

HDFC Bank informs about granting of options under ESOS25 Jan 2023, 9:55AM HDFC Bank informs about transcript of earnings call 20 Jan 2023, 4:44PM HDFC Bank reports 20% rise in Q3 consolidated net profit16 Jan 2023, 10:27AM HDFC Bank - Quaterly Results14 Jan 2023, 1:01PM HDFC Bank - Quaterly Results14 Jan 2023, 1:01PM HDFC Bank - Quaterly Results14 Jan 2023, 1:01PM HDFC Bank reports 19.5% rise in advances during third quarter of FY234 Jan 2023, 4:15PM HDFC Bank collaborates with Microsoft 4 Jan 2023, 11:08AM HDFC Bank informs about loss of share certificate19 Dec 2022, 5:26PM HDFC Bank raises Rs 5000 crore through bonds16 Dec 2022, 2:07PM HDFC Bank inks pact with LEAF 15 Dec 2022, 11:29AM HDFC Bank inks agreements to acquire stake in Mintoak14 Dec 2022, 10:48AM HDFC Bank informs about acquisition 14 Dec 2022, 9:34AM HDFC Bank partners with Startup India for ‘Parivartan SmartUp Grants’13 Dec 2022, 3:14PM HDFC Bank informs about issuance of duplicate share certificates12 Dec 2022, 4:59PM HDFC Bank informs about scheme of arrangement8 Dec 2022, 9:59AM HDFC Bank raises Rs 15000 crore through bonds5 Dec 2022, 11:39AM HDFC Bank informs about allotment of equity shares under ESOP26 Nov 2022, 11:19AM HDFC Bank planning to add over 100 branches in Kerala in next 12 months21 Nov 2022, 3:59PM HDFC Bank informs about newspaper publication 18 Nov 2022, 9:53AM HDFC Bank executes agreement to sell stake in Lentra 12 Nov 2022, 4:32PM HDFC Bank informs about analyst meet 11 Nov 2022, 10:12AM HDFC Bank informs about newspaper publication 29 Oct 2022, 2:46PM HDFC Bank informs about loss of share certificate25 Oct 2022, 5:24PM HDFC Bank informs about newspaper clippings22 Oct 2022, 12:01PM HDFC Bank reports 22% rise in Q2 consolidated net profit15 Oct 2022, 5:02PM HDFC Bank informs about audited financial results 15 Oct 2022, 3:46PM HDFC Bank - Quaterly Results15 Oct 2022, 1:48PM HDFC Bank - Quaterly Results15 Oct 2022, 1:48PM HDFC Bank - Quaterly Results15 Oct 2022, 1:48PM HDFC Bank launches SmartHub Vyapar for merchants8 Oct 2022, 1:00PM HDFC Bank informs about disclosure4 Oct 2022, 2:21PM HDFC Bank’s advances rise 23.5% in Q2FY234 Oct 2022, 12:47PM HDFC Bank unveils Festive Treats 4.0 29 Sep 2022, 10:50AM HDFC Bank enters into long-term partnership with Refinitiv for digital transformation22 Sep 2022, 9:38AM HDFC Bank’s arm gets ‘No Objection’ for setting up wholly owned subsidiary21 Sep 2022, 11:39AM HDFC Bank informs about analyst meet14 Sep 2022, 12:08PM HDFC Bank issues India’s first Electronic Bank Guarantee13 Sep 2022, 3:30PM HDFC Bank informs about analyst meet13 Sep 2022, 11:44AM HDFC Bank inks MoU with Institute of Economic Growth 9 Sep 2022, 11:30AM HDFC Bank raises Rs 3000 crore through bonds8 Sep 2022, 2:27PM HDFC Bank unveils ‘Bank on Wheels’ van in Gujarat8 Sep 2022, 12:29PM HDFC Bank informs about loss of share certificates6 Sep 2022, 3:27PM RBI selects HDFC Bank, Precision Biometric for testing 'on tap' retail payments applications6 Sep 2022, 2:45PM HDFC Bank planning to open over 200 branches in Maharashtra in FY232 Sep 2022, 10:59AM HDFC Bank wins 3 awards at Asiamoney Best Bank Awards29 Aug 2022, 11:14AM HDFC Bank enters into term sheet to pick up to 9.94% stake in Go Digit Life Insurance26 Aug 2022, 9:37AM HDFC Bank partners with Tata Neu 25 Aug 2022, 11:18AM HDFC Bank launches ‘Shopathon’ in Gujarat24 Aug 2022, 11:29AM HDFC Bank launches ‘Bank on Wheels’ van to take banking to remote villages22 Aug 2022, 11:39AM

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 127753.1191 Cr. revenue in the latest financial year. It has posted decent revenue growth of 8.88112809921919 % in last 3 Years.

  • In terms of advances, the bank reported 20.8312738185839 % YOY,  rise . If you see 3 years advance growth, it stands at 18.6542625220409 %.

  • Currently the company has a CASA ratio of 48.168339048337 %. It’s overall cost of liability stands at 3.19623972415333 %. Also, the total deposits from these accounts stood at Rs 1559217.44 Cr.

  • The Bank has a healthy ROA track record. The ROA of HDFC Bank is at 1.93747975061275 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 1.17 % and 0.32 % 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 negative at -4.08217416408906 % which means it has decreased 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 surged and is currently at Rs 29509.9004 Cr.

  • The company has a Good Capital Adequacy Ratio of 18.9 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently HDFC Bank is trading at a P/B of 3.3461 . The historical average PB was 3.81032293109527.

Brief about HDFC Bank

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