HDFC Bank Financials: Check Share Price, Balance Sheet, Annual Report and Quarterly Results for Company Analysis

HDFC Bank Limited, a premier financial institution in India, offers an extensive array of banking and financial solutions. Founded in 1994, the bank has grown to become one of India's predominant private sector banks, servicing a vast customer base nationwide. HDFC Bank is committed to delivering exceptional customer service and provides a diverse range of products, including retail banking, corporate banking, treasury, and investment banking services.

For those considering a long-term investment, evaluating the bank's multifaceted aspects is critical. This article aims to shed light on various crucial factors to consider when analyzing the stock of HDFC Bank.

HDFC Bank Ltd. Share Price

The stock price of HDFC Bank Ltd. plays a significant role in investment decisions. This price mirrors the market's assessment of the company's performance. Observing and analyzing the stock price trends over time are essential steps. Our advanced screening tools are designed to assist investors in reviewing stock price movements and understanding trend patterns.

HDFC Bank's Share Price Trends

HDFC Bank is one of the leading private sector banks in India. When it comes to HDFC Bank's share price, it keeps changing due to various factors like market demand, investor sentiments, and economic conditions. For those interested in the most current share price of HDFC Bank, it's always a good idea to check the share price section above the page. This section offers not just the latest share price but also provides a summary that includes the 52-week high and low prices, as well as the day's high and low prices. It gives a good snapshot for anyone trying to understand how the bank's shares are performing in the market at any given time.

Understanding The Share Price Chart of HDFC Bank

The share price chart of HDFC Bank is a useful tool for anyone trying to understand the bank's stock performance over time. Located in the share price section as mentioned in the web page above, the chart displays the bank’s share price movement in a visual format. This makes it easier to spot trends and patterns in its share price. Moreover, the chart includes information on the returns HDFC Bank has generated over different periods, including one week, one month, six months, one year, three years, and five years. This comprehensive view helps in understanding the historical performance, which can be crucial for various analyses.

The 52-Week High and Low of Company HDFC Bank

The 52-week high and low prices are pivotal metrics for investors and analysts as they provide a range within which the stock has traded over the last year. For HDFC Bank, these figures can be found in the share price section mentioned above the page. Keeping an eye on these numbers is crucial as it helps in understanding the stock’s volatility and market sentiment towards the company. A stock trading closer to its 52-week high could be perceived as performing well, while one near its 52-week low might raise concerns or indicate a potential buying opportunity, depending on the investor's perspective.

HDFC Bank's Day High and Low Prices

For those closely monitoring HDFC Bank's stock on a day-to-day basis, the day's high and low prices are of significant interest. These numbers provide insights into intra-day volatility and can indicate how external events or market news impact the stock price within a single trading session. This information, as mentioned in the web page above, is readily available in the share price section. Tracking these daily price movements can be crucial for short-term traders or those looking to enter or exit their positions in HDFC Bank's shares at opportune moments.

HDFC Bank and HDFC Merger

With the merger of HDFC Ltd and HDFC Bank into one entity, it signifies a significant transformation in the Indian financial landscape. The consolidation of these two esteemed institutions brings together their respective strengths and expertise, creating a powerhouse in the banking sector.

The merged entity, now known as HDFC Bank Limited, combines the extensive reach and brand recognition of HDFC Ltd with the robust banking capabilities of HDFC Bank. This integration is expected to result in enhanced synergies, improved operational efficiencies, and a seamless customer experience.

HDFC Bank, post-merger, is poised to become an even stronger player in the financial industry, offering a comprehensive suite of products and services to cater to the diverse needs of its customers. The bank's retail and corporate banking divisions will now have the advantage of tapping into HDFC Ltd's extensive customer base and deep understanding of the housing finance market.

Furthermore, this merger will enable HDFC Bank to leverage the technological advancements and digital initiatives that it has pioneered over the years, reinforcing its position as an innovative and customer-centric bank. The combined entity is expected to strengthen its position in the Indian banking sector, further extending its market share and reinforcing its reputation for financial stability and sound governance.

As per the merger scheme, HDFC Bank will issue 42 new equity shares of Re. 1/- each, fully paid-up, for every 25 equity shares of Rs. 2/- each fully paid-up held by eligible shareholders in HDFC Ltd. as of the Record Date, 13 July 2023.

All employees of HDFC Ltd., as of the effective date, become HDFC Bank employees. The bank has undertaken thorough preparations for the seamless integration of systems, processes, and the overall work environment, ensuring a smooth transition for the incoming employees.

Post-merger, key subsidiaries of HDFC Bank include HDFC Securities Ltd., HDB Financial Services Ltd., HDFC Asset Management Co. Ltd., HDFC ERGO General Insurance Co. Ltd., HDFC Capital Advisors Ltd., and HDFC Life Insurance Co. Ltd.

In summary, the merger of HDFC Ltd and HDFC Bank brings together two formidable entities to create a unified banking institution. The amalgamation of their resources, expertise, and customer base positions HDFC Bank as a robust and dynamic player in the financial industry, poised to provide comprehensive, innovative, and customer-centric services to its customers.

HDFC Bank Balance Sheet

The balance sheet of HDFC Bank Ltd. is an important document that provides information on the company's assets, liabilities, and equity. It is important to analyze the balance sheet to understand the financial position of the company. Our premium features, such as DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis, can help investors calculate the fair value of the company.

HDFC Bank Reserves  

The total reserves of HDFC Bank as of March 2024 has been at ?4,36,833.40 crores; here the total has been increased from ?2,78,574.01 crores from March 2023. This strong increase is driven by the solid balance-sheet profitability, which allows retaining an increasing amount of the funds for further investments in business development, IT innovations, and customer relations. This strong reserve position gives the bank the ability to cope with some financial capital reversals besides helping drive the future growth strategies.

HDFC Bank Debt  

Borrowings in the case of HDFC Bank increased to ?6,62,153.08 crores for March 2024 from ?2,06,765.57 crores for March 2023. Above rendition of the change in debt shows that this is a clear shift by the bank to complement capital markets and other funding models in achieving the growth plans of the bank. The capability of bringing the additional funds at less expensive rates also will improve the bank’s capacity to lend and help it diversify into new territories or services.

HDFC Bank Assets  

The proclaimed total ASSETS of HDFC Bank was ?36,17,623.09 crore in March, 2024 from ?24,66,081.47 crore as on March, 2023. This kind of asset mobilization is primarily attributed to a staggering rise in advances to ?24,84,861.52 crores. The increase in advances has informed effective credit management and provision of credit for funding activities in a competitive environment hence the bank’s growth.

HDFC Bank Current Liabilities 

Total liabilities of HDFC bank also rose to ? 36,17,623.09 crores in the fiscal ending March 2024. Most importantly, this growth includes deposits of the bank, which increased to ?23,79,786.28 crores. This increase is evidence of a reliable and strong deposit franchise from the customers of the bank. Adequate deposits strength also makes it easy for HDFC Bank to cover its operation needs for the lending business.

This analysis is based on the standalone balance sheet of HDFC Bank. For investors engaged in stock screening, these financial metrics provide valuable insights into HDFC Bank’s operational efficiency and financial health, which are crucial for assessing potential investment opportunities in the dynamic banking sector. With the increasing digitization of banking services and a growing customer base, HDFC Bank remains well-positioned for continued growth and innovation.

HDFC Bank Ltd. Annual Report

The annual report of HDFC Bank Ltd. provides a comprehensive overview of the company's performance over the year. It includes information on the company's financial statements, management discussion and analysis, and corporate governance. Investors can download the annual report from our website and analyze it to understand the company's performance.

HDFC Bank Annual Report Summary: Key Performance Indicators

In the HDFC Bank Annual Report 2024, the bank demonstrated robust growth across various segments, underscoring its strategic focus on a comprehensive product suite and sustainable growth. Below is a summary of key performance indicators from the HDFC Bank Latest Annual Report.

Domestic Business

Retail Banking:

• The HDFC Bank Annual Report highlights an impressive 104.33% year-on-year (YoY) growth in retail advances, driven by a strategic focus on corporate clients and personal loans.
• Notable growth areas include personal loans (27.82% YoY), home loans (332.1% YoY post-merger), and two-wheeler advances (15% growth).

Digital Initiatives:

• HDFC Bank Annual Report Summary showcases the bank’s digital transformation efforts, with platforms like XpressWay offering over 30 banking products.
• Innovative offerings include "Personal Loan in 10 Seconds," "Digital Loan Against Shares/Mutual Funds," and "Xpress Car Loans."

Distribution Network:

• The HDFC Bank Annual Report details an extensive distribution network, with 8,738 branches and 20,938 ATMs/CRMs, with 52% of branches focusing on semi-urban and rural areas.

Third-Party Products:

• Fee income from third-party products accounted for 22%, driven by life insurance through an open architecture model, mobilizing ?8,940 crore.
• Non-life insurance saw 75% YoY growth, and mutual funds recorded 35% growth in AUM.

Wealth Management:

• The HDFC Bank Annual Report analysis shows a 34% growth in the wealth management client base, with a focus on super affluent and mass affluent segments.
• The SmartWealth platform achieved 1.1 lakh downloads, with 70% active users.

International Business

• According to the HDFC Bank Latest Annual Report, the bank’s global presence includes operations at the International Financial Service Centre (IFSC) in GIFT City, with a balance sheet size of US $9.06 billion.

Strategy

• The merger with HDFC Ltd. strengthens the bank's product suite, particularly in mortgage and realty finance.
• HDFC Bank Annual Report Summary underscores a strategy focused on risk-adjusted, consistent, profitable growth across all segments, enhanced customer engagement, and a wider distribution network post-merger.
• Strategic priorities are anchored in "People, Customers, Technology," with a ten-pillar approach for sustainable growth.

This detailed overview from the HDFC Bank Latest Annual Report provides a clear understanding of the bank's strategic directions and key performance indicators for the year.

HDFC Bank Dividend

HDFC Bank Ltd. has a history of consistently paying dividends to its shareholders. Investors can analyze the dividend history of the company to understand its dividend policy. It is important to analyze the dividend payout ratio to understand how much of the company's earnings are being distributed as dividends.

HDFC Bank Quarterly Result

The quarterly result of HDFC Bank Ltd. provides information on the company's performance over a quarter. It includes information on the company's revenue, net profit, and earnings per share. Investors can download the quarterly results from our website and analyze them to understand the company's performance.

HDFC Bank Stock Price

The stock price of HDFC Bank Ltd. is influenced by various factors such as market conditions, company performance, and news. Investors can analyze the stock price to understand the market's perception of the company's performance. Ticker pre-built screening tools can help investors analyze the stock price and its trend.

HDFC Bank Price Chart

The HDFC Bank Ltd. price chart provides a visual representation of the stock price trend over a period of time. Investors can analyze the chart to understand the trend. Our pre-built screening tools can help investors analyze the chart and its trend.

HDFC Bank News

News plays an important role in influencing the stock price of HDFC Bank Ltd. Investors can analyze the news related to the company to understand its impact on the stock price. Our pre-built screening tools can help investors analyze the news related to the company.

HDFC Bank Concall Transcripts

The concall transcripts of HDFC Bank Ltd. provide information on the company's performance and management's outlook for the future. Investors can download the concall transcripts from our website and analyze it to understand the company's performance.

HDFC Bank Investor Presentations

The investor presentations of HDFC Bank Ltd. provide information on the company's strategy, performance, and outlook for the future. Investors can download the investor presentations from our website and analyze them to understand the company's performance.

HDFC Bank Promoters

The promoters of HDFC Bank Ltd. are the individuals or entities that hold a significant stake in the company. It is important to analyze the promoters to understand their track record and their influence on the company's performance.

HDFC Bank Shareholders

The shareholders of HDFC Bank Ltd. are the individuals or entities that own a stake in the company. It is important to analyze the shareholders to understand their influence on the company's performance.

HDFC Bank Limited ROCE

The Return on Capital Employed (ROCE) is a key financial ratio that helps investors assess a company's profitability and efficiency in utilizing its capital. By analyzing HDFC Bank Limited's ROCE, investors can gain insights into how effectively the company is generating profits from its capital investments. The ROCE ratio can be found in the financials table or ratio section of this page, providing a clear snapshot of HDFC Bank Limited's performance in this regard.

HDFC Bank Limited EBITDA

EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) is a measure that indicates a company's operating profitability, excluding non-operating expenses. By examining HDFC Bank Limited's EBITDA, investors can understand the core profitability of the company's operations. The EBITDA ratio can be found in the financials table or ratio section of this page, allowing investors to evaluate HDFC Bank Limited's operating performance without the influence of interest, taxes, depreciation, and amortization.

HDFC Bank Limited DPS

The Dividends Per Share (DPS) is an important metric for investors seeking income from their investments in HDFC Bank Limited. DPS represents the portion of a company's earnings that is distributed to shareholders in the form of dividends on a per-share basis. The DPS ratio can be found in the financials table or ratio section of this page, providing investors with information about HDFC Bank Limited's dividend payout policy and its ability to generate returns for shareholders through dividends.

HDFC Bank Limited EPS

Earnings Per Share (EPS) is a widely used financial metric that shows the portion of a company's profit allocated to each outstanding share of common stock. By analyzing HDFC Bank Limited's EPS, investors can assess the company's profitability on a per-share basis, which can help determine its value and potential for growth. The EPS ratio can be found in the financials table or ratio section of this page, enabling investors to evaluate HDFC Bank Limited's financial performance and compare it to other companies in the industry.

HDFC Bank Q2FY25 Revenue Analysis

The second quarter FY25 gross income shows an increase in interest earned from Rs 73,033.14 crore in first quarter FY25 to Rs 74,016.91 crore in the second quarter FY25. This growth gives credence to the capacity of the bank in earning sustainable interest income from its long arms of loans.

HDFC Bank Profitability and Margins Comparison for Q2 FY25

Thus, the gross value in net profit for two hundred and twenty-five constant-three to five years was Rs 16,820.97 crore for Q2FY25 as compared to Rs 16,174.75 crore of Q1FY25. This increase in profit goes in line with HDFC Bank’s solid operational capabilities and prudent cost controlling measures; evidenced by its having a net profit margin (NPM) of 22.73%.

Interest and Operating Expenses as per HDFC bank for Q2 FY25

Interest cost incurred by HDFC Bank for Q2FY25 was Rs 43,903.01 crore, just a tad higher than that in Q1FY25 Rs 43,196 crore. Similarly, operating expenses rose to Rs 16,890.89 crore, however the bank ensured stronger control on expenses to make PBT at Rs 22,005.28 crore.

HDFC Bank Provisions and Asset Quality for Q2 FY25

The HDFC Bank provisions have gone a long way in explaining the asset quality of the HDFC Bank. Digging a bit deeper into this the following table explains the trend in the provisions made over a period of five years as depicted in the following table.

Total provision for the second quarter of FY25 was Rs 2,700.46 crore which also depicts the cautious policy of the bank in regard to the expected credit loss. Net NPA ratio: It showed slightly up-trending from 0.34% to 0.41%, Gross NPA ratio, 1.36% remained at the same level which showed that they have rather a healthy asset quality despite little fluctuation.

HDFC Bank Return on Assets for Q2 FY25

Similarly, HDFC Bank’s ROA for Q2FY25 was 0.49% similar to previous quarters proving the bank’s managing capacity to optimise total earnings from the given assets.

This discussion is deduced from the HDFC bank quarterly returns. On that note for the investors, there is a need to consider the macroeconomic factors, and changes in policies that may affect the banking sector in future.