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Consolidated Standalone

HDFC Bank

₹1465.4 0.5 | 0%

Market Cap ₹1114163 Cr.

Stock P/E 16.2

P/B 2.5

Current Price ₹1465.4

Book Value ₹ 575.5

Face Value 1

52W High ₹1757.8

Dividend Yield 1.33%

52W Low ₹ 1363.5

Edit Ratio

HDFC Bank Research see more...

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HDFC Bank plunged after Q4FY22 report card; what’s next?

Overview Inc. Year: 1994Industry: Bank - Private

HDFC Bank Limited (the Bank) is an primarily India-based private zone financial institution. The Bank caters to a number of banking services overlaying commercial and investment banking on the wholesale aspect and transactional/ department banking at the retail aspect. The Bank's Treasury section generally consists of net interest profits from the Bank's funding portfolio, money marketplace borrowing and lending, profits or losses on funding operations and on account of buying and selling in forex and derivative contracts. The Retail Banking segment serves retail clients through the Bank's department community and different channels. The Wholesale Banking section presents loans, non-fund centers and transaction services to large corporates, emerging corporates, public quarter units, government bodies, monetary institutions and medium scale establishments. The Other Banking Operations segment consists of earnings from Para banking activities, which includes credit cards, debit cards and third party product distribution, among others.

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Research Report

Date Research House View
15 May 2023 Motilal Oswal Call Buy 

HDFC Bank Share Price

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Peer Comparison

HDFC Bank Quarterly Results

#(Fig in Cr.) Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018
Interest Earned 18114 18669 19670 20581 21321
Other Income 3446 3517 3606 3869 4229
Total Income 21561 22185 23276 24450 25550
Interest Expense 9059 9298 9918 10267 10663
Operating Expenditure 5222 5367 5540 5732 6051
Provisions and contingencies 1262 1559 1476 1351 1541
Operating Profit 6018 5961 6342 7100 7295
Profit Before Tax 6018 5961 6342 7100 7295
Provision for Tax 2028 2067 2191 2457 2495
Profit After Tax 3990 3894 4151 4643 4799
Adjustments -3990 -3894 -4151 -4643 -4799
Profit After Adjustments 0 0 0 0 0
Adjusted Earnings Per Share 7.8 7.6 8 9 9.2

HDFC Bank Profit & Loss

#(Fig in Cr.) Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
Interest Earned 35065 41136 48470 60221 69306 80241 98972 114813 120858 127753 161586 80241
Other Income 6853 7920 8996 10752 12296 15220 17626 23261 25205 29510 31215
Total Income 41917 49055 57466 70973 81602 95462 116598 138073 146063 157263 192800 95461
Interest Expense 19254 22653 26074 32630 36167 40146 50729 58626 55979 55744 74743 40146
Operating Expenditure 11236 12042 13988 16980 19703 22690 26119 30698 32723 37442 47652 22690
Provisions and contingencies 1676 1587 2075 2726 3593 5927 7550 12142 15703 15062 11920 5927
Operating Profit 9751 12773 15329 18638 22139 26697 32200 36607 41659 49015 58485 26698
Profit Before Tax 9751 12773 15329 18638 22139 26697 32200 36607 41659 49015 58485 26698
Provision for Tax 3025 4294 5114 6342 7589 9211 11121 10350 10542 12054 14377 9210
Profit After Tax 6726 8478 10216 12296 14550 17487 21078 26257 31117 36961 44109 17487
Adjustments 0 0 0 0 0 0 0 0 0 0 0 -17487
Profit After Adjustments 6726 8478 10216 12296 14550 17487 21078 26257 31117 36961 44109 0
Adjusted Earnings Per Share 14.1 17.7 20.4 24.3 28.4 33.7 38.7 47.9 56.4 66.7 79.1 33.8

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 26% 12% 15% 17%
Operating Profit CAGR 19% 17% 17% 20%
PAT CAGR 19% 19% 20% 21%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR -11% -0% 4% 14%
ROE Average 17% 17% 17% 18%
ROCE Average 16% 15% 15% 17%

HDFC Bank Balance Sheet

#(Fig in Cr.) Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Shareholder's Funds 36214 43479 62009 72678 89462 106295 149206 170986 203721 240093 280199
Minority's Interest 0 0 0 0 0 0 0 0 0 0 0
Deposits 296247 367337 450796 546424 643640 788771 923141 1147502 1335060 1559217 1883395
Borrowings 33007 39439 45214 84969 74029 123105 117085 144629 135487 184817 206766
Other Liabilities & Provisions 34864 41344 32484 36725 56709 45764 55108 67394 72602 84407 95722
Total Liabilities 400332 491600 590503 740796 863840 1063934 1244541 1530511 1746871 2068535 2466081
Cash and balance with RBI 14627 25346 27510 30058 37897 104670 46764 72205 97341 129996 117161
Bank Balance 12653 14238 8821 8861 11055 18245 34584 14414 22130 22331 76604
Investments 111614 120951 151642 195836 214463 242200 293116 391827 443728 455536 517001
Advances 239721 303000 365495 464594 554568 658333 819401 993703 1132837 1368821 1600586
Fixed Assets 2703 2940 3122 3343 3627 3607 4030 4432 4909 6084 8017
Other Assets 19014 25125 33913 38104 42230 36879 46646 53931 45926 85768 146713
Total Assets 400332 491600 590503 740796 863840 1063934 1244541 1530511 1746871 2068535 2466081

HDFC Bank Cash Flow

#(Fig in Cr.) Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Opening Cash & Cash Equivalents 20938 27280 39584 36331 38919 48952 122915 81348 86619 119470 152327
Cash Flow from Operating Activities -1869 8364 -15862 -30132 23585 26074 -56055 -16690 41495 -14209 27313
Cash Flow from Investing Activities -859 -1591 -1944 -656 -1956 -533 -1326 -1105 -1120 -1292 -2429
Cash Flow from Financing Activities 9066 5563 14543 33347 -11568 48411 15718 22852 -7381 48192 16122
Net Cash Inflow / Outflow 6338 12335 -3263 2559 10062 73952 -41663 5057 32994 32691 41006
Closing Cash & Cash Equivalent 27280 39584 36331 38919 48952 122915 81348 86619 119470 152327 193765

HDFC Bank Ratios

# Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Earnings Per Share (Rs) 14.13 17.67 20.38 24.32 28.39 33.69 38.7 47.89 56.44 66.65 79.05
CEPS(Rs) 15.5 19.07 21.69 25.71 30.01 35.44 40.79 50.07 58.81 69.54 83.07
DPS(Rs) 2.75 3.43 4 4.75 5.5 6.5 7.5 2.5 6.5 15.5 19
Book NAV/Share(Rs) 76.1 90.62 123.7 143.74 174.56 204.8 273.94 311.83 369.54 432.36 500.26
Yield on Advances 14.63 13.58 13.26 12.96 12.5 12.19 12.08 11.55 10.67 9.33 10.1
Yield on Investments 7.12 7.56 6.85 7.59 7.96 7.14 6.96 5.94 6.44 5.88 5.94
Cost of Liabilities 5.85 5.57 5.26 5.17 5.04 4.4 4.88 4.54 3.81 3.2 3.58
NIM (Net Interest Margin) 4.18 3.99 4.05 3.95 4.05 3.92 4.04 3.82 3.83 3.64 3.76
Interest Spread 8.78 8.01 8 7.79 7.46 7.79 7.2 7.02 6.86 6.14 6.52
ROA(%) 1.82 1.9 1.89 1.85 1.81 1.81 1.83 1.89 1.9 1.94 1.95
ROE(%) 20.34 21.28 19.37 18.26 17.95 17.87 16.5 16.4 16.61 16.67 17
ROCE(%) 20.63 21.53 18.82 16.68 16.8 17.34 16.9 15.27 14.51 14.62 15.73
PER(x) 22.08 21.19 25.1 22.02 25.4 28.07 29.93 18 26.46 22.05 20.36
Price/Book(x) 4.1 4.13 4.13 3.73 4.13 4.62 4.23 2.76 4.04 3.4 3.22
Dividend Yield(%) 0.88 0.91 0.78 0.89 0.76 0.69 0.65 0.29 0.44 1.05 1.18
EV/Net Sales(x) 5.18 5.33 6.22 5.91 6.4 7.65 7.56 5.38 7.93 7.83 6.84
EV/Core EBITDA(x) 15.88 15.26 17.33 16.65 17.24 18.82 18.82 12.66 16.72 15.61 15.69
Interest Earned Growth(%) 25.8 17.31 17.83 24.25 15.09 15.78 23.34 16.01 5.27 5.7 26.48
Net Profit Growth 30.18 26.05 20.49 20.36 18.33 20.19 20.54 24.57 18.51 18.78 19.34
Advances Growth 22.67 26.4 20.63 27.11 19.37 18.71 24.47 21.27 14 20.83 16.93
EPS Growth(%) 28.39 25.02 15.33 19.33 16.74 18.68 14.86 23.74 17.87 18.08 18.61
Loans/Deposits(x) 11.14 10.74 10.03 15.55 11.5 15.61 12.68 12.6 10.15 11.85 10.98
Cash/Deposits(x) 0.05 0.07 0.06 0.06 0.06 0.13 0.05 0.06 0.07 0.08 0.06
Current Ratio(x) 0.38 0.33 0.34 0.36 0.33 0.31 0.32 0.34 0.33 0.29 0.27
Quick Ratio(x) 11.14 10.74 10.03 15.55 11.5 15.61 12.68 12.6 10.15 11.85 10.98
CASA % 47.43 44.81 44.03 43.25 48.03 43.5 42.38 42.23 46.12 48.17 44.39

HDFC Bank Shareholding Pattern

# Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Promoter 21.01 21 20.97 20.91 20.88 20.87 20.83 0 0 0
FII 30.52 29.01 26.33 26.2 26.17 26.28 27.23 45.05 45.2 41.34
DII 18.84 20.13 22.22 22.59 23.09 23.06 21.98 26.43 26.58 28.99
Public 11.08 11.32 11.98 11.84 11.42 11.36 11.58 14.96 14.68 16.13
Others 18.55 18.54 18.51 18.46 18.44 18.43 18.39 13.56 13.54 13.54
Total 100 100 100 100 100 100 100 100 100 100

Pros

Cons

  • Promoter holding is low: 0%.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

HDFC Bank News

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