HDFC Bank

HDFC Bank Ltd.

NSE: HDFCBANK BSE: 500180 SECTOR: Bank - Private  1147k   13k   3k

1430.80
-6.20 (-0.43%)
NSE: 07 Oct 03:59 PM

Price Summary

Today's High

₹ 1434.95

Today's Low

₹ 1420.35

52 Week High

₹ 1725

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

₹ 796949.74 Cr.

CASA %

48.17

No. of Shares

557 Cr.

P/E

20.74

P/B

3.18

Face Value

₹ 1

Div. Yield

1.08 %

Book Value (TTM)

₹  449.35

Net Interest Income

₹ 72009.59 Cr.

Cost To Income %

36.88

Promoter Holding

25.73 %

EPS (TTM)

₹  68.99

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 38 Indices.

BANKNIFTY

Nifty Bank
39178.05
  -104.799999999996 (-0.26678308727599%)

NIFTYSERVICE

Nifty Services Sector
23655.7
  -80.25 (-0.338094746576401%)

NIFTY100WEIGHT

Nifty100 Equal Weight
20606.65
  -9 (-0.0436561544263747%)

NIFTYPTBNK

Nifty Private Bank
20347.05
  22.2999999999993 (0.109718446721363%)

NIFTYEQWGT

NIFTY50 Equal Weight
19940.25
  -25.8499999999985 (-0.129469450718966%)

NIFTYFINANCE

Nifty Financial Services
17707
  -42.0499999999993 (-0.236914088359652%)

NIFTY100

Nifty 100
17641.45
  -21.3499999999985 (-0.120875512376284%)

NIFTY

Nifty 50
17314.65
  -17.1499999999978 (-0.0989510610553856%)

NTYFIN2550

Nifty Financial Services 25/50
17187.05
  -35.1000000000022 (-0.203807306288717%)

NIFTY500

Nifty 500
15036.7
  -16.3499999999985 (-0.108615861901729%)

NT100LOW30

Nifty100 Low Volatility 30
12909.7
  -16.1999999999989 (-0.12532976427172%)

NIFTYLGEMID250

NIFTY LargeMidcap 250
9977.55
  -18.8000000000011 (-0.188068645055461%)

NY500MUL50:25:25

Nifty500 Multicap 50:25:25
9874.15
  -4.25 (-0.0430231616456056%)

NIFTY200

Nifty 200
9268.6
  -12.6499999999996 (-0.13629629629629%)

NIFTYTOTALMCAP

Nifty Total Market index
8378.1
  -7.04999999999927 (-0.0840772079211405%)

NSEQ30

NIFTY100 Quality 30
3866.6
  -8.65000000000009 (-0.223211405715762%)

NIFTY100ESG

NIFTY100 ESG
3409.4
  -4.09999999999991 (-0.12011132268932%)

NFTQTLO30

NIFTY Quality Low-Volatility 30
12355.77
  -213.51 (-1.69866531734515%)

NIFTYLOWVOL

Nifty Low Volatility 50
15880.97
  -328.310000000001 (-2.02544468353931%)

NIFTYHOUSING

Nifty Housing Index
7891.69
  -179.1 (-2.21911361836946%)

SENSEX

S&P Bse Sensex
58191.29
  -30.8099999999977 (-0.052918050018802%)

BANKEX

S&P Bse Bankex
44720.98
  -97.9300000000003 (-0.218501520898207%)

BSE500

S&P Bse 500
23966.56
  -30.3899999999994 (-0.126641093972357%)

SNSX50

S&P Bse Sensex50
18235.9
  -18.5099999999984 (-0.101400154811893%)

BSE100

S&P Bse 100
17789.34
  -20.6100000000006 (-0.115721829651405%)

BSEPVTBANK

S&P Bse Private Bank
14816.87
  -9.7599999999984 (-0.0658275009223108%)

BSE200

S&P Bse 200
7619.02
  -11.9399999999996 (-0.156467862496978%)

LMI250

S&P Bse 250 LargeMidCap
7214.05
  -10.79 (-0.149345867866968%)

ALLCAP

S&P Bse Allcap
6896.64
  -5.39999999999964 (-0.0782377384077715%)

LRGCAP

S&P Bse LargeCap
6755.08
  -9.30000000000018 (-0.137484884054417%)

BSE100LARGECAPTMC

S&P Bse 100 LargeCap TMC
6438.34
  -8.36999999999989 (-0.129833667095303%)

CARBONEX

S&P Bse Carbonex
2879.28
  -4.53999999999996 (-0.157430075386122%)

SPBSLVIP

S&P Bse Low Volatility
1175.5
  -3.42000000000007 (-0.290096020086184%)

DFRGRI

S&P Bse Diversified Finl. Rev.
1044.42
  -0.689999999999827 (-0.0660217584751654%)

S&PDIVSTABLE

S&P Bse Dividend Stability
586.54
  0.0399999999999636 (0.00682011935209115%)

ESG100

S&P Bse 100 ESG Index
290.96
  -0.140000000000043 (-0.0480934386808851%)

FIN

S&P Bse Finance
8308.56
  -11.8000000000011 (-0.141820786600588%)

S&P LARGEMIDCAP

S&P Bse Large MidCap
7157.14
  -10.0599999999995 (-0.140361647505294%)

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

1.15

Advances Growth %

20.8312738185839

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2022 25.73 0
Mar 2022 25.78 0
Dec 2021 25.8 0
Sep 2021 25.83 0
Jun 2021 25.89 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 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022
Interest Earned 30482.97 31353.37 32468.05 33448.72 35172.04
Other Income 6288.5 7400.79 8183.55 7637.06 6388.23
Interest Expended 13474.01 13668.98 14024.57 14575.98 15690.62
Operating Expenses 8160.43 9277.89 9851.08 10152.79 10501.81
Total Provisions 4830.84 3924.66 2993.98 3312.35 3187.73
Profit Before Tax 10306.19 11882.63 13781.97 13044.66 12180.11
Tax 2576.55 3048.32 3439.77 2989.48 2984.12
Net Profit 7729.64 8834.31 10342.2 10055.18 9195.99
Net NPA % 0.48 0.4 0.37 0.32 0.35
Gross NPA % 1.47 1.35 1.26 1.17 1.28
Return on Assets % 0.45 0.5 0.56 0.52 0.46
NPM % 25.36 28.18 31.85 30.06 26.15

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 Jun 2021% Sep 2021% Dec 2021% Mar 2022% Jun 2022%
Promoters 25.89 25.83 25.80 25.78 25.73
housing developmen... 19.10 - - - -
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 ... 6.63 - - - -
PARTICULARS Jun 2021% Sep 2021% Dec 2021% Mar 2022% Jun 2022%
Investors 74.11 74.17 74.20 74.22 74.27
europacific growth... - 4.80 4.67 4.66 5.02
sbi-etf nifty 50 4.60 1.81 2.02 2.12 2.07
qualified institut... - - - - -
life insurance cor... - 2.45 2.45 2.43 2.42
lici asm non par 3.22 - - - -
icici prudential b... 1.86 - - - -
hdfc trustee compa... 1.70 - - - -
uti - nifty exchan... 1.54 - - - -
hdfc trustee compa... - - - 1.53 -
icici prudential l... 1.26 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 ... 1.28 - - - -
iepf 0.15 - - - 0.13
iepf authority - - 0.13 - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

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 opens first all-women branch in north Kerala region 18 Aug 2022, 10:48AM HDFC Bank opens first all-women branch in Puducherry16 Aug 2022, 4:52PM CCI approves amalgamation of HDFC, HDFC Bank, HDFC Investments, HDFC Holdings16 Aug 2022, 3:46PM HDFC Bank launches rising bankers programme with AGBS 13 Aug 2022, 12:01PM HDFC Bank adjudged ‘Best Bank in India’ at Euromoney Awards 202212 Aug 2022, 11:37AM HDFC Bank opens first branch in Tirumala1 Aug 2022, 11:40AM HDFC Bank’s arm enters into partnership with Equitas Small Finance Bank 25 Jul 2022, 3:40PM HDFC Bank informs about transcript of earnings call21 Jul 2022, 5:21PM HDFC Bank informs about loss of share certificate 19 Jul 2022, 4:15PM HDFC Bank informs about audio recording of earnings call 18 Jul 2022, 2:17PM HDFC Bank reports 21% rise in Q1 consolidated net profit18 Jul 2022, 11:00AM HDFC Bank - Quaterly Results16 Jul 2022, 1:34PM HDFC Bank - Quaterly Results16 Jul 2022, 1:34PM HDFC Bank - Quaterly Results16 Jul 2022, 1:34PM HDFC Bank, NIIT IFBI enter into strategic partnership13 Jul 2022, 2:56PM Ministry of Defence allows HDFC Bank to provide financial services in overseas procurement8 Jul 2022, 10:23AM HDFC Bank’s advances rise 21% in Q1FY234 Jul 2022, 11:59AM HDFC Bank informs about updates4 Jul 2022, 9:55AM HDFC Bank gets ‘no objection’ letter from BSE, NSE for merger proposal with HDFC 4 Jul 2022, 9:39AM HDFC Bank to acquire 9.54% stake in Perfios Account Aggregation Services29 Jun 2022, 11:47AM HDFC Bank informs about allotment equity shares under ESOS25 Jun 2022, 11:31AM HDFC Bank planning to double network of branches in next three to five years22 Jun 2022, 9:40AM HDFC Bank adds 51 gold loan desks to its branch network in Uttar Pradesh17 Jun 2022, 10:46AM HDFC Bank inks MoU with 100X.VC to support start-ups14 Jun 2022, 3:08PM HDFC Bank launches full value remittance for USD, EUR, GBP10 Jun 2022, 11:58AM HDFC Bank adds 26 Gold Loan Desks to its network in Maharashtra4 Jun 2022, 12:49PM HDFC Bank informs about analyst meet3 Jun 2022, 9:55AM HDFC Bank informs about investor presentation1 Jun 2022, 10:17AM HDFC Bank, Retailio roll out co-branded credit cards24 May 2022, 11:29AM HDFC Bank inaugurates new branch in Mandi district21 May 2022, 11:51AM HDFC Bank carves out rural banking as separate vertical19 May 2022, 4:47PM

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 3.1839 . The historical average PB was 3.81032293109527.

Brief about HDFC Bank

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