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HDFC Bank

NSI:HDFCBANK · INE040A01034
BanksMedium

360

97
Profit price36
Cash yield53
Price/Sales20
EV / Gross Profit56
Price/Book24
Returns on capital54
Profit margins—
Cash Conversion39
Accruals19
Owner Earnings Margin34
Sales growth69
Profit Growth98
Long-Term EPS Growth56
Reinvestment76
Price momentum13
Debt load38
Debt serviceability19
Liquidity75
Analyst ratings94
Opinion Changes50
Price Target Upside100
Market mood55
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

HDFC Bank clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 1/5 components.

Profile

CountryIndia
IndustryBanks
SizeMedium
TypePublic Company
ExchangeNSEI
Founded1994
Employees102,798
Websitehdfcbank.com
ISININE040A01034
Last UpdateApr 2, 2026
Indices
BSE Sensex (India)CNX Nifty 50 (India)
Themes
Onshore and Offshore WindBankingFinancial Services

Description

HDFC Bank Limited (‘HDFC Bank’) operates as a new-generation private sector bank in India. The company provides financial services to its customers in India across metro, urban, semi-urban, and rural markets. The company’s strategy is to provide a c…

Analysis

Beloved champion

HDFC Bank Limited is a beloved champion: its quality is genuine, and the market already prices it as exceptional.

The price is attractive. You pay 13.8× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone. At today's price, the market is assuming roughly 1% yearly growth; analysts expect 13%. The price, in other words, assumes less than the experts do.

The trajectory is solid and the balance sheet is adequate. The company scores 10/20 on our value-creation score: creating some value. Analysts lean positive.

What to watch: Some accounting patterns deserve a closer look. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
79
2023202420252026

All-time high

79

Jun 2026

All-time low

21

Jul 2024

Average rank

47

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
20
12
7
13
Price/Earnings
28
9
17
21
Price/Book
24
15
16
11
Dividend Yield
53
24
24
24
Value (overall)
29
11
16
13

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →