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Financial Services - Banks - Regional - NYSE - IN
$ 76.54
0.473 %
$ 196 B
Market Cap
23.92
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one HDB stock under the worst case scenario is HIDDEN Compared to the current market price of 76.5 USD, HDFC Bank Limited is HIDDEN

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one HDB stock under the base case scenario is HIDDEN Compared to the current market price of 76.5 USD, HDFC Bank Limited is HIDDEN

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one HDB stock under the best case scenario is HIDDEN Compared to the current market price of 76.5 USD, HDFC Bank Limited is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart HDB

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$78.0$78.0$76.0$76.0$74.0$74.0$72.0$72.0$70.0$70.0$68.0$68.0$66.0$66.0$64.0$64.0$62.0$62.0$60.0$60.0$58.0$58.015 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 JunJul '25Jul '25
FINANCIALS
2.73 REVENUE
-22.51%
2.39 OPERATING INCOME
238.38%
708 B NET INCOME
-5.84%
(2.07) OPERATING CASH FLOW
-1084.30%
-38.5 B INVESTING CASH FLOW
98.95%
2.32 FINANCING CASH FLOW
-30.83%
695 B REVENUE
13.30%
607 B OPERATING INCOME
14.89%
188 B NET INCOME
6.67%
0 OPERATING CASH FLOW
0.00%
0 INVESTING CASH FLOW
0.00%
0 FINANCING CASH FLOW
0.00%
Balance Sheet HDFC Bank Limited
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Current Assets 0
Cash & Short-Term Investments 0
Receivables 0
Other Current Assets 0
Non-Current Assets 43.9
Long-Term Investments 0
PP&E 153 B
Other Non-Current Assets 43.8
99.65 %Total Assets$43.9t
Current Liabilities 0
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 38.5
Long-Term Debt 6.35
Other Non-Current Liabilities 32.2
16.47 %83.53 %Total Liabilities$38.5t
EFFICIENCY
Earnings Waterfall HDFC Bank Limited
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Revenue 2.73
Cost Of Revenue 0
Gross Profit 2.73
Operating Expenses 341 B
Operating Income 2.39
Other Expenses 1.68
Net Income 708 B
3t3t3t3t2t2t2t2t1t1t500b500b003t03t(341b)2t(2t)708bRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
60.95% GROSS MARGIN
60.95%
23.45% OPERATING MARGIN
23.45%
15.03% NET MARGIN
15.03%
13.57% ROE
13.57%
1.61% ROA
1.61%
1.92% ROIC
1.92%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis HDFC Bank Limited
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1t1t500b500b00(500b)(500b)(1t)(1t)(1t)(1t)(2t)(2t)(2t)(2t)201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 708 B
Depreciation & Amortization 38.1 B
Capital Expenditures -40.8 B
Stock-Based Compensation 20.9 B
Change in Working Capital (3.05)
Others (2.83)
Free Cash Flow (2.11)
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets HDFC Bank Limited
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HDB has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
0.66 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.400001.400001.200001.200001.000001.000000.800000.800000.600000.600000.400000.400000.200000.200000.000000.000000.360.4030.4930.550.630.660.290.650.210660.610.580471.070.582491.130.592381.220.660.000.000.000.0020152015201620162017201720182018201920192021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 9
6. Ownership
Insider Ownership HDFC Bank Limited
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
BBD or HDB: Which Is the Better Value Stock Right Now? Investors with an interest in Banks - Foreign stocks have likely encountered both Banco Bradesco (BBD) and HDFC Bank (HDB). But which of these two companies is the best option for those looking for undervalued stocks? zacks.com - 6 days ago
BBD vs. HDB: Which Stock Is the Better Value Option? Investors looking for stocks in the Banks - Foreign sector might want to consider either Banco Bradesco (BBD) or HDFC Bank (HDB). But which of these two stocks is more attractive to value investors? zacks.com - 3 weeks ago
As China’s Dominance Dims, India Begins to Shine – The Time to Consider Investment Opportunities is Now Key Points As US tariffs hit, China’s manufacturing sector feels the bite Geopolitics began the slide, many multinationals have been looking for a new low cost country/region Risks are still present, but India’s advancements over the past 30 years have them well positioned Are you ahead, or behind on retirement? SmartAsset’s free tool can match you with a financial advisor in minutes to help you answer that today. Each advisor has been carefully vetted, and must act in your best interests. Don’t waste another minute; get started by clicking here.(Sponsor) A seismic shift has transformed global manufacturing in recent years, with US and EU companies increasingly moving production from China to India. Accelerated by President Trump’s use of tariffs as trade weapons, this movement began a few years ago as geopolitical tensions and economic pressures began to raise concerns about supply chain resilience. India’s proactive policies have served to drive this trend toward supply chain diversification. While India has made remarkable progress over the past three decades, and holds vast potential as a manufacturing hub, infrastructure gaps and regulatory complexities present challenges. The primary driver is escalating friction with China. U.S.-China trade wars have imposed steep tariffs on Chinese goods, pushing companies to seek alternatives. From 2018 to 2022, U.S. goods imports from China dropped 10% (inflation-adjusted), while imports from India soared 44%, per trade data. Concerns over intellectual property theft and supply chain risks exposed during COVID-19 further fueled this shift. China’s rising labor and production costs have also eroded its edge in labor-intensive sectors like textiles and electronics, prompting companies to explore cost-competitive alternatives. India has emerged as a prime destination, propelled by initiatives like “Make in India” and Production Linked Incentive (PLI) schemes. These offer tax breaks (e.g., a 17% corporate tax rate for new manufacturing firms), subsidies to attract foreign direct investment (FDI), and a stable legal system rooted in British common law, safeguarding intellectual property. India’s youthful workforce (median age 28) and 1.4 billion-strong consumer market enhance its appeal. Apple, for example, has ramped up iPhone production in India, with Foxconn investing $1.5 billion in Tamil Nadu to supply the U.S. market. India’s share of Apple’s iPhone output grew from 2% to 5% between 2021 and 2022, with goals to hit 25%. Other giants like Dell, Nike, Intel, and Nippon Steel are also shifting production, with over 90% of North American manufacturers surveyed by BCG reporting some relocation from China in the past five years. Yet despite India’s appeal, challenges do remain. India’s infrastructure lags, with only 5% of roads classified as highways, causing logistical bottlenecks. Regulatory red tape hinders operations, with just 55% of companies reporting seamless production shifts. Manufacturing costs in India can also run 5–10% higher than in China due to import duties on components. India faces competition from Vietnam, a leader in electronics, and Mexico, advantaged by its proximity to the U.S. Companies and investors must navigate these hurdles to ensure profitability. This shift opens doors for entrepreneurs and businesses. Investors can target Indian firms or ETFs in booming sectors like electronics and semiconductors, which attracted $16 billion in manufacturing FDI from 2020 to 2023. Content creators can monetize blogs or videos on India’s manufacturing surge through ads or sponsorships. Consulting services offer another path, providing market research or regulatory guidance for firms entering India. Businesses can also develop logistics or compliance solutions to address operational challenges. The pivot from China to India reflects geopolitical, economic, and logistical realities. India’s policies and demographic strengths position it as a rising manufacturing powerhouse, but infrastructure and regulatory hurdles require careful strategy. Opportunities in investment, content creation, and consulting abound for those who can navigate India’s complexities with precision. Investors can explore top Indian companies listed on U.S. exchanges, such as HDFC Bank (NYSE: HDB), Infosys (NYSE: INFY), or MakeMyTrip (NASDAQ: MMYT). For broader exposure, the iShares MSCI India ETF (NASDAQ: INDA) tracks the MSCI India Index, covering roughly 85% of India’s large and mid-cap equity market. The post As China’s Dominance Dims, India Begins to Shine – The Time to Consider Investment Opportunities is Now appeared first on 24/7 Wall St.. https://247wallst.com - 1 month ago
BBD or HDB: Which Is the Better Value Stock Right Now? Investors interested in Banks - Foreign stocks are likely familiar with Banco Bradesco (BBD) and HDFC Bank (HDB). But which of these two stocks offers value investors a better bang for their buck right now? zacks.com - 1 month ago
HDFC Bank: Earnings Show Clear Signs Of Growth Ahead The Indian financial sector has faced challenges due to poor liquidity, asset quality, and slowing credit demand, impacting HDFC Bank's stock price. HDFC Bank's latest earnings show resilience with strong operating profit, positioning it well to benefit from RBI's liquidity measures. Despite RBI's easing measures, near-term data indicates weak credit growth, with retail unsecured loans and credit to NBFCs significantly down. seekingalpha.com - 1 month ago
Is the Options Market Predicting a Spike in HDFC Bank (HDB) Stock? Investors need to pay close attention to HDFC Bank (HDB) stock based on the movements in the options market lately. zacks.com - 1 month ago
HDFC Bank: Valuations Look Appealing, But They Aren't HDFC Bank has shown exceptional growth over decades, but recent years have seen slower growth and overvaluation, leading to a cautious hold rating. Despite a strong historical performance, recent quarterly earnings indicate moderate deposit growth and declining loan growth, with a high loan-to-deposit ratio. Asset quality remains strong, with gross non-performing assets improving, but the bank's return on equity has declined to around 14%. seekingalpha.com - 1 month ago
BBD vs. HDB: Which Stock Is the Better Value Option? Investors looking for stocks in the Banks - Foreign sector might want to consider either Banco Bradesco (BBD) or HDFC Bank (HDB). But which of these two stocks presents investors with the better value opportunity right now? zacks.com - 1 month ago
BSAC or HDB: Which Is the Better Value Stock Right Now? Investors with an interest in Banks - Foreign stocks have likely encountered both Banco Santander-Chile (BSAC) and HDFC Bank (HDB). But which of these two stocks presents investors with the better value opportunity right now? zacks.com - 2 months ago
India's ICICI Bank, HDFC Bank climb on upbeat quarterly results India's top private lenders ICICI Bank and HDFC Bank rose nearly 2% each to hit record highs on Monday, after their fourth-quarter results inspired confidence in the companies' ability to deliver strong loan growth and maintain healthy asset quality. reuters.com - 2 months ago
SCGLY or HDB: Which Is the Better Value Stock Right Now? Investors looking for stocks in the Banks - Foreign sector might want to consider either Societe Generale Group (SCGLY) or HDFC Bank (HDB). But which of these two companies is the best option for those looking for undervalued stocks? zacks.com - 3 months ago
SCGLY vs. HDB: Which Stock Is the Better Value Option? Investors looking for stocks in the Banks - Foreign sector might want to consider either Societe Generale Group (SCGLY) or HDFC Bank (HDB). But which of these two stocks is more attractive to value investors? zacks.com - 3 months ago
8. Profile Summary

HDFC Bank Limited HDB

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COUNTRY IN
INDUSTRY Banks - Regional
MARKET CAP $ 196 B
Dividend Yield 0.00%
Description HDFC Bank Limited provides various banking and financial services to individuals and businesses in India, Bahrain, Hong Kong, and Dubai. It operates in Treasury, Retail Banking, Wholesale Banking, Other Banking Business, and Unallocated segments. The company accepts savings, salary, current, rural, public provident fund, pension, and Demat accounts; fixed and recurring deposits; and safe deposit lockers; as well as offshore accounts and deposits, overdrafts against fixed deposits, and sweep-in facilities. It also provides personal, home, car, two wheeler, business, educational, gold, consumer, and rural loans; loans against properties, securities, rental receivables, and assets; loans for professionals; government sponsored programs; and loans on credit card, as well as working capital and commercial/construction equipment finance, healthcare/medical equipment and commercial vehicle finance, dealer finance, and term and professional loans. The company offers credit, debit, prepaid, and forex cards; payment and collection, export, import, remittance, bank guarantee, letter of credit, trade, hedging, and merchant and cash management services; insurance and investment products. It provides short term finance, bill discounting, structured finance, export credit, loan syndication, and documents collection services; online and wholesale, mobile, and phone banking services; unified payment interface, immediate payment, national electronic funds transfer, and real time gross settlement services; and channel financing, vendor financing, reimbursement account, money market, derivatives, employee trusts, cash surplus corporates, tax payment, and bankers to rights/public issue services, as well as financial solutions for supply chain partners and agricultural customers. As of March 31, 2022, the company had 21,683 banking outlets; 6,342 branches; and 18,130 automated teller machines in 3,188 cities/towns. HDFC Bank Limited was incorporated in 1994 and is based in Mumbai, India.
Contact HDFC Bank House, Mumbai, 400013 https://www.hdfcbank.com
IPO Date July 20, 2001
Employees 214521
Officers Mr. Vedanthachari Srinivasa Rangan Executive Whole-Time Director Mr. Rakesh K. Singh Group Head of Invst. Bank., Private Bank., Inter. Bank., Digi. Ecosystems & BaaS Mr. Ramesh Lakshminarayanan Chief Information Officer & Group Head of IT Mr. Ajit Subhas Shetty Investor Relations Officer Mr. Rakesh Kumar Rajput Chief Compliance Officer Mr. Kaizad Maneck Bharucha Deputy MD & Director Mr. Sashidhar Jagdishan MD, Chief Executive Officer & Director Mr. Sudhir Kumar Jha Head & Group General Counsel Mr. Bhavesh Chandulal Zaveri Group Head of Operations, ATM, Cash Management Product & Executive Director Mr. Srinivasan Vaidyanathan Chief Financial Officer