Low riskLarge capEducational sample dataset

HDFC Bank

HDFCBANK · NSE & BSE · Banking & Financial Services · Private Bank

Current price

₹1,650.00

+0.30%FY24 (illustrative)

Illustrative / demo price - not live.

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About the company

India's largest private sector bank, known for retail franchise and stable asset quality.

Origin & history

Promoted by HDFC in 1994, it grew into India's largest private bank with a strong retail deposit base.

Founded

1994

Headquarters

Mumbai

Business segments

Retail Loans52.0%
Corporate & Wholesale34.0%
Treasury & Other14.0%

Competitive position (moat)

Deep retail deposit franchise, extensive branch network and strong underwriting discipline.

Governance

Widely held with strong independent governance; watch management succession and regulatory tone.

Promoter holding

0.0%

Institutional holding

55.0%

Why it's interesting

A quality compounder with a wide retail network, strong deposit franchise and consistent profitability.

What to verify

  • Credit costs and slippages in unsecured retail book
  • Deposit growth versus credit growth
  • Post-merger integration with HDFC Ltd

Key risks

  • Elevated retail unsecured loan stress
  • Margin compression
  • Regulatory scrutiny on lending practices

Valuation snapshot

Market cap

₹12.5 L cr

Total value of all shares: price multiplied by shares outstanding.

P/E

18.0

Price to earnings: how much you pay per rupee of profit.

P/B

2.7

Price to book: how the price compares to net asset value per share.

EV/EBITDA

0.0

Enterprise value to operating profit: a valuation that accounts for debt and cash.

Dividend yield

1.1%

Annual dividend per share as a percentage of the price.

Profitability

Revenue

₹2,40,000 cr

EBITDA

₹0 cr

Net income

₹61,000 cr

EPS

₹80.00

EBITDA margin

0.0%

Net margin

25.0%

ROE

15.0%

ROCE

0.0%

Revenue growth

14.0%

Balance sheet health

Debt/equity

0.0

Total debt divided by shareholders' equity: how leveraged the company is.

Cash

₹0 cr

Cash and equivalents on the balance sheet.

Interest coverage

0.0

How many times operating profit covers interest expense.

Dividends & returns

Dividend yield

1.1%

Dividend yield is the annual payout as a share of the price. A higher yield can signal a mature, cash-generative business - or a falling price. Check the payout history before reading too much into it.

Growth trend

Revenue growth

14.0%

Revenue growth shows how fast the top line is expanding. Pair it with margin trends to see whether growth is turning into profit.

Ownership

Promoter holding

0.0%

Share held by the founding family or group.

Institutional holding

55.0%

Share held by mutual funds, insurers and foreign institutions.

Placeholders - verify in the shareholding pattern.

Key catalysts

  • Margin stabilisation
  • Credit growth

Red flags

  • Unsecured retail stress
  • Deposit competition

52-week range

52-week low

₹1,360.00

Lowest price in the 52-week range.

52-week high

₹1,790.00

Highest price in the 52-week range.