HDFC Bank

HDFC Bank Ltd.

NSE: HDFCBANK BSE: 500180 SECTOR: Bank - Private  624k   8k   1k

1503.80
-9.75 (-0.64%)
NSE: 06 Dec 04:09 PM

Price Summary

Today's High

₹ 1518.8

Today's Low

₹ 1497.35

52 Week High

₹ 1725

52 Week Low

₹ 1342

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.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 833249.71 Cr.

CASA %

46.12

No. of Shares

554.1 Cr.

P/E

24.87

P/B

3.81

Face Value

₹ 1

Div. Yield

0.43 %

Book Value (TTM)

₹  394.72

Net Interest Income

₹ 64879.57 Cr.

Cost To Income %

36.32

Promoter Holding

25.83 %

EPS (TTM)

₹  60.47

CAR %

18.79

ROE

16.61 %

ROCE

14.51%

Profit Growth

18.51 %

Add Your Ratio

* 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 38 Indices.

BANKNIFTY

NIFTY BANK
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  -461.25 (-1.27427159320554%)

NIFTYSERVICE

NIFTY SERV SECTOR
23968.2
  -404.849999999999 (-1.66105596139998%)

NIFTY100WEIGHT

NIFTY 100 EQUAL WEIGHT
20033.05
  -359.200000000001 (-1.76145349336145%)

NIFTYEQWGT

NIFTY50 EQUAL WEIGHT
18810.65
  -334.649999999998 (-1.74794858268086%)

NIFTYPTBNK

NIFTY PRIVATE BANK
18241.65
  -259.049999999999 (-1.40021728907554%)

NIFTYFINANCE

NIFTY FINANCE
17596.7
  -182.799999999999 (-1.02815039793019%)

NIFTY100

NIFTY 100
17197.5
  -296.200000000001 (-1.69318097372198%)

NIFTY

NIFTY 50
16912.25
  -284.450000000001 (-1.65409642547698%)

NFTALLO30

NIFTY ALPHA LOW-VOLATILTY 30
16684.25
  -315.099999999999 (-1.85360028471676%)

NIFTY500

NIFTY 500
14618.35
  -237.949999999999 (-1.60167740285265%)

NT100LOW30

NIFTY100 LOW VOLATILITY 30
12750.1
  -231.25 (-1.78140178024627%)

NIFTYLGEMID250

NIFTY LARGE MIDCAP 250
9585.05
  -144.650000000001 (-1.48668509820448%)

NIFTY200

NIFTY 200
9003.9
  -151.700000000001 (-1.65690943247849%)

NI15

NI15
7414.05
  -144.65 (-1.91368886184131%)

NSEQ30

Nse Quality 30
3767.25
  -76 (-1.97749300722045%)

NFTALQLV30

NIFTY ALPHA QTY VAL LOW-VOL 30
10733.26
  -73.9899999999998 (-0.684633000994705%)

NFTALQVL30

NIFTY ALPHA QTY Low-VOLAT.30
14298.11
  -105.449999999999 (-0.732110672639252%)

NFTQTLO30

NIFTY QUALITY LOW-VOLATILTY 30
12151.14
  -95.1100000000006 (-0.776645912013885%)

NIFTYGR15

NIFTY GROWTH SECTOR 15
7558.7
  -106 (-1.38296345584302%)

NIFTYLOWVOL

LOW VOLATILITY
15686.02
  -112.629999999999 (-0.712909014377805%)

NT100ALP30

NIFTY 100 ALPHA 30
12718.56
  -93.25 (-0.727844075115069%)

SENSEX

S&P Bse Sensex
56747.14
  -949.32 (-1.64536957726695%)

BANKEX

S&P Bse Bankex
40672.9
  -519.18 (-1.26038791923108%)

BSE500

S&P Bse 500
23212.63
  -382.68 (-1.62184773160429%)

SNSX50

S&P BSE SENSEX50
17721.43
  -303.110000000001 (-1.68165179250067%)

BSE100

S&P Bse 100
17240.51
  -294.730000000003 (-1.68078680417264%)

BSEPVTBANK

BSE PVT BANK
13609.15
  -173.140000000001 (-1.25624986849066%)

FIN

S&P BSE Finance
8185.25
  -92.7999999999993 (-1.12103695918724%)

BSE200

S&P Bse 200
7363.35
  -122.799999999999 (-1.64036253615009%)

LMI250

S&P BSE 250 LargeMidCap
6982.34
  -116.73 (-1.64429988716831%)

ALLCAP

S&P Bse Allcap
6665.07
  -107.73 (-1.59062721474132%)

LRGCAP

S&P BSE LargeCap
6521.88
  -111.67 (-1.68341235085286%)

BSE100LARGECAPTMC

S&P BSE 100 LargeCap TMC
6237.35
  -107.57 (-1.69537204566803%)

CARBONEX

S&P Bse Carbonex
2784.56
  -47.5599999999999 (-1.67930737398133%)

SPBSLVIP

S&P BSE Low Volatility
1180.11
  -12.3800000000001 (-1.0381638420448%)

S&PDIVSTABLE

S&P BSE Dividend Stability
569.03
  -12.26 (-2.10910216931308%)

ESG100

S&P BSE 100 ESG Index
281.76
  -4.99000000000001 (-1.74019180470794%)

S&P LARGEMIDCAP

S&P BSE Large MidCap
6923.24
  -114.93 (-1.63295288405936%)

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 Year16.61%
3 Year16.5%
5 Year17.06%

ROA%

1 Year1.9%
3 Year1.87%
5 Year1.85%

Net NPA%

1 Year0.4%
3 Year0.38%
5 Year0.38%

 NIM

1 Year3.83%
3 Year3.89%
5 Year3.93%

CAR %

18.79

Cost of Liabilities %

3.80665393738357

PEG Ratio

1.39

Advances Growth %

14.0015447138514

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2021 25.83 0
Jun 2021 25.89 0
Mar 2021 25.97 0
Dec 2020 26 0
Sep 2020 26.02 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • The bank has been maintaining a healthy ROA of 1.87246781948293% since last 3 years.
  • Company has a good Return on Equity (ROE) track record: 3 Years ROE 16.5029600484633%.
  • The company has been consistently maintaining a NIM of 3.89430372842797% since last 3 years.
  • The Bank is prominently managing its Non-Performing Assets, Average NET NPA of last 3 years is 0.383333333333333%.
  • CASA stands at 46.1164338587714% of total deposits.
  • Cost to Income ratio stands at 36.3243881770725 %
  • Good Capital Adequacy Ratio of 18.79%.
  • The company has delivered good Profit growth of 21.1790407444294% over the past 3 years.

 Limitations

  • Increase in Provision and contingencies of 29.3225694867034% on YoY.
  • The company is trading 4.04161255344274 times of its Book Value.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021
Interest Earned 29976.97 30079.7 30423.59 30482.97 31353.37
Other Income 6092.45 7443.22 7593.91 6288.5 7400.79
Interest Expended 14200.58 13762.09 13303.44 13474.01 13668.98
Operating Expenses 8055.06 8574.81 9181.29 8160.43 9277.89
Total Provisions 3703.5 3414.13 4693.7 4830.84 3924.66
Profit Before Tax 10110.28 11771.89 10839.07 10306.19 11882.63
Tax 2597.17 3013.6 2652.56 2576.55 3048.32
Net Profit 7513.11 8758.29 8186.51 7729.64 8834.31
Net NPA % 0.17 0.09 0.4 0.48 0.4
Gross NPA % 1.08 0.81 1.32 1.47 1.35
Return on Assets % 0.48 0.55 0.5 0.45 0.5
NPM % 25.06 29.12 26.91 25.36 28.18

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

PARTICULARS Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Interest Earned 69305.96 80241.36 98972.05 114812.65 120858.23
Other Income 12296.5 15220.3 17625.88 23260.82 25204.89
Interest Expended 36166.73 40146.49 50728.83 58626.4 55978.66
Operating Expenses 19703.34 22690.38 26119.37 30697.53 32722.63
Total Provisions 3593.31 5927.49 7550.08 12142.39 15702.85
Profit Before Tax 22139.07 26697.3 32199.66 36607.16 41658.99
Taxes 7589.43 9210.57 11121.49 10349.84 10542.46
Net Profit 14549.64 17486.73 21078.17 26257.32 31116.53
Adjusted EPS (Rs.) 28.39 33.69 38.7 47.89 56.44

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Equity and Liabilities
Share Capital 512.51 519.02 544.66 548.33 551.28
Total Reserves 88949.84 105775.98 148661.69 170437.7 203169.55
Deposits 643639.66 788770.64 923140.93 1147502.29 1335060.22
Borrowings 74028.87 123104.97 117085.12 144628.54 135487.32
Other Liabilities 56709.32 45763.72 55108.29 67394.4 72602.15
Total Liabilities 863840.19 1063934.32 1244540.69 1530511.26 1746870.52
Assets
Balance with RBI 37896.88 104670.47 46763.62 72205.12 97340.74
Balance with Banks 11055.22 18244.61 34584.02 14413.6 22129.66
Investments 214463.34 242200.24 293116.07 391826.66 443728.29
Advances 554568.2 658333.09 819401.22 993702.88 1132836.63
Net Block 3626.74 3607.2 4030 4431.92 4909.32
Other Assets 42229.82 36878.7 46645.76 53931.09 45925.89
Total Assets 863840.19 1063934.32 1244540.69 1530511.26 1746870.52
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Sep 2020% Dec 2020% Mar 2021% Jun 2021% Sep 2021%
Promoters 26.02 26.00 25.97 25.89 25.83
housing developmen... - - - - -
housing developmen... - - 18.57 18.53 18.45
housing developmen... 19.22 19.17 - - -
hdfc investments l... - - 7.09 7.07 7.04
hdfc investments ... 6.67 6.65 - - -
hdfc investments ... - - - - -
PARTICULARS Sep 2020% Dec 2020% Mar 2021% Jun 2021% Sep 2021%
Investors 73.98 74.00 74.03 74.11 74.17
europacific growth... 3.08 2.96 4.67 4.66 5.02
qualified institut... 3.97 - - - -
sbi-etf nifty 50 3.62 3.87 2.02 2.12 2.07
life insurance cor... 3.24 2.68 2.45 2.43 2.42
hdfc trustee compa... - - - 1.53 -
icici prudential l... - - 1.52 1.52 1.41
hdfc trustee compa... - - 1.49 - -
icici prudential b... - 1.35 - - -
government of sing... - - 1.39 1.35 1.33
hdfc trustee compa... - - - - 1.37
capital world grow... - - 1.34 - -
uti - nifty exchan... - 1.31 - - -
iepf 0.15 0.16 - - 0.13
iepf authority - - 0.13 - -

Annual Reports

Ratings & Research Reports

Company Presentations

  • PresentationQ3FY19 9 Jan 2020
  • PresentationQ3FY20 20 Jul 2020
  • PresentationFY2019 20 Jul 2020

Company News

HDFC Bank informs about analyst meet27 Nov 2021, 10:25AM HDFC Bank informs about granting of options under ESOS- 3726 Nov 2021, 1:48PM HDFC Bank informs about analyst meet24 Nov 2021, 12:50PM HDFC Bank, Equitas Small Finance Bank partner to launch new co-branded credit cards24 Nov 2021, 12:34PM HDFC Bank launches micro-credit facility for PM SVANidhi scheme with Common Service Centres20 Nov 2021, 11:24AM HDFC Bank informs about analyst meet18 Nov 2021, 12:15PM HDFC Bank organizes 2,000 workshops to prevent financial fraud16 Nov 2021, 11:56AM HDFC Bank informs about informs about analyst meet16 Nov 2021, 10:05AM HDFC Bank integrates with Government of India’s National Agriculture Market 15 Nov 2021, 2:54PM HDFC Bank signs MoU with Manipal Business Solutions 12 Nov 2021, 10:36AM HDFC Bank informs about loss of share certificates27 Oct 2021, 11:41AM CCI gives nod for HDFC Bank’s acquisition of 4.99% stake in HDFC ERGO 26 Oct 2021, 3:06PM HDFC Bank, Mastercard, USAID and DFC launch $100 million credit facility for MSMEs in India22 Oct 2021, 3:16PM HDFC Bank reports 18% rise in Q2 consolidated net profit18 Oct 2021, 10:44AM HDFC Bank - Quaterly Results16 Oct 2021, 2:50PM HDFC Bank - Quaterly Results16 Oct 2021, 2:50PM HDFC Bank - Quaterly Results16 Oct 2021, 2:50PM HDFC Bank, CSC launch festive treats for rural India 9 Oct 2021, 11:48AM HDFC Bank kick-starts Festive Treats 3.0 in Kolkata 7 Oct 2021, 2:34PM HDFC Bank launches Festive Treats 3.0 with over 10,000 offers6 Oct 2021, 10:40AM HDFC Bank’s advances rise 15% in Q2FY225 Oct 2021, 11:20AM HDFC Bank informs about disclosure5 Oct 2021, 9:55AM HDFC Bank raises Rs 739 crore via masala bond1 Oct 2021, 9:47AM HDFC Bank issues over 4 lakh credit cards since lifting of ban29 Sep 2021, 3:52PM HDFC Bank launches 24 Gold Loan desks in Uttarakhand28 Sep 2021, 2:31PM HDFC Bank raises Rs 5,000 crore via NCDs28 Sep 2021, 10:01AM HDFC Bank planning to double rural reach27 Sep 2021, 9:24AM HDFC Bank voted ‘Overall Most Outstanding Company in India’24 Sep 2021, 1:26PM HDFC Bank informs about board meeting23 Sep 2021, 9:58AM HDFC Bank informs about clarification23 Sep 2021, 9:57AM HDFC Bank informs about analyst meet22 Sep 2021, 9:53AM HDFC Bank partners with Paytm 20 Sep 2021, 1:16PM HDFC Bank signs MoU with Greater Noida Industrial Development Authority 16 Sep 2021, 3:29PM HDFC Bank signs MoU with NSIC 8 Sep 2021, 9:59AM HDFC Bank lists $1 billion AT-1 bonds on IFSC exchanges27 Aug 2021, 11:59AM HDFC Bank informs about disclosure26 Aug 2021, 9:40AM HDFC Bank sells stake in Central Depository Services24 Aug 2021, 4:40PM HDFC Bank looking to regain lost market share in 1 year after RBI lifts credit card ban23 Aug 2021, 3:07PM HDFC Bank enters into strategic partnership with Paytm: Report23 Aug 2021, 12:37PM HDFC Bank named ‘Best Bank’ by FinanceAsia21 Aug 2021, 12:02PM HDFC Bank launches $1 billion additional tier-I bond issue19 Aug 2021, 1:51PM HDFC Bank’s Parivartan impacts over 5.35 lakh people in Himachal Pradesh in 2020-202119 Aug 2021, 11:35AM HDFC Bank informs about disclosure19 Aug 2021, 9:48AM RBI allows HDFC Bank to sell new credit cards 18 Aug 2021, 11:13AM HDFC Bank informs about disclosure18 Aug 2021, 9:49AM HDFC Bank informs about schedule of the analyst meet18 Aug 2021, 9:44AM HDFC Bank informs about analyst meet17 Aug 2021, 10:27AM HDFC Bank planning to raise capital through bonds16 Aug 2021, 12:22PM HDFC Bank informs about issuance of debt instruments 16 Aug 2021, 10:10AM HDFC Bank’s Parivartan impacts over 30.4 lakh people in Gujarat in 2020-20214 Aug 2021, 3:30PM

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 120858.2265 Cr. revenue in the latest financial year. It has posted decent revenue growth of 14.6283553870746 % in last 3 Years.

  • In terms of advances, the bank reported 14.0015447138514 % YOY,  rise . If you see 3 years advance growth, it stands at 19.8322920357033 %.

  • Currently the company has a CASA ratio of 46.1164338587714 %. It’s overall cost of liability stands at 3.80665393738357 %. Also, the total deposits from these accounts stood at Rs 1335060.2208 Cr.

  • The Bank has a healthy ROA track record. The ROA of HDFC Bank is at 1.89886484175882 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 1.32 % and 0.4 % 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 29.3225694867034 % 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 surged and is currently at Rs 25204.8927 Cr.

  • The company has a Good Capital Adequacy Ratio of 18.79 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently HDFC Bank is trading at a P/B of 3.8176 . The historical average PB was 3.95661733011603.

Brief about HDFC Bank

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