A Business at a Glance
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We are a new-generation private sector bank in India. Our goal is to be the preferred provider of financial services to our customers in India across metro, urban, semi-urban and rural markets. Our strategy is to provide a comprehensive range of financial products and services to our customers through multiple distribution channels, with what we believe are high-quality services, advanced technology platforms and superior execution. Since completion of the Transaction (as defined under “—About Our Bank” below) on July 1, 2023, we are also engaged in life and general insurance, asset management and securities broking products and services through our specialized subsidiaries and joint venture. We have four principal business activities: retail banking, wholesale banking, treasury services and insurance services.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 48.1B | 48.1B | 42.0B | 24.0B | 20.4B | 20.7B |
| Net Income | 7.7B | 7.7B | 7.4B | 6.0B | 4.9B | 4.4B |
| EPS | $1.50 | $1.50 | $1.54 | $1.57 | $1.29 | $1.17 |
| Free Cash Flow | 12.9B | 12.9B | 11.6B | 5.3B | 7.0B | 12.2B |
| ROIC | 5.3% | 5.0% | 4.6% | 10.0% | 9.5% | 9.8% |
| Gross Margin | 65.8% | 65.8% | 67.9% | 57.1% | 55.6% | 51.2% |
| Debt/Equity | 0.93 | 0.93 | 1.15 | 1.08 | 0.84 | 0.65 |
| Dividends/Share | $0.35 | $0.37 | $0.34 | $0.34 | $0.29 | $0.13 |
| Operating Income | 9.9B | 9.9B | 8.4B | 8.0B | 6.6B | 6.0B |
| Operating Margin | 20.5% | 20.5% | 20.0% | 33.4% | 32.4% | 28.8% |
| ROE | 8.8% | 9.2% | 9.0% | 17.0% | 15.4% | 15.1% |
| Shares Outstanding | 5,130M | 5,130M | 4,814M | 3,814M | 3,798M | 3,771M |
HDFC BANK LTD passes 6 of 9 quality checks, suggesting mixed fundamentals.
HDFC BANK LTD trades at 18.6x trailing earnings, compared to its 15-year median P/E of 24.1x, suggesting it is currently Cheap relative to its historical range. On a free-cash-flow basis, the stock trades at 11.1x vs a median of 17.3x. The company's 5-year average ROIC is 7.8% with a gross margin of 59.5%. Total shareholder yield (dividends) is 1.3%. At current prices, the estimated annualized return to fair value is +21.5%.
HDFC BANK LTD (HDB) has a current P/E ratio of 18.6, compared to its historical median P/E of 24.1. The stock is currently considered Cheap based on its historical valuation range.
HDFC BANK LTD (HDB) has a 5-year average return on invested capital (ROIC) of 7.8%. This is below average and may indicate limited pricing power.
HDFC BANK LTD (HDB) has a market capitalization of $137.5B. It is classified as a large-cap stock.
Yes, HDFC BANK LTD (HDB) pays a dividend with a trailing twelve-month yield of 1.32%.
Based on historical P/E analysis, HDFC BANK LTD (HDB) appears cheap. The current P/E of 18.6 is 23% below its historical median of 24.1. The estimated fair value CAGR (P/E method) is 10.8%.
HDFC BANK LTD (HDB) operates in the Commercial Banks, Nec industry, within the Financials sector.
HDFC BANK LTD (HDB) reported annual revenue of $48.1 billion in its most recent fiscal year, based on SEC EDGAR filings.
HDFC BANK LTD (HDB) has a net profit margin of 16.1%. This is a healthy margin.
HDFC BANK LTD (HDB) generated $12.9 billion in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
HDFC BANK LTD (HDB) has a debt-to-equity ratio of 0.93. This indicates moderate leverage.
HDFC BANK LTD (HDB) reported earnings per share (EPS) of $1.50 in its most recent fiscal year.
HDFC BANK LTD (HDB) has a return on equity (ROE) of 9.2%. This indicates moderate shareholder returns.
HDFC BANK LTD (HDB) has a 5-year average gross margin of 59.5%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 15 years of financial data for HDFC BANK LTD (HDB), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
HDFC BANK LTD (HDB) has a book value per share of $17.14, based on its most recent annual SEC filing.