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HDB

NEUTRAL
$25.71 Live
HDFC Bank Limited · NYSE
Target $34.42 (+33.9%)
$23.91 52W Range $39.8

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 28, 2026
Market cap
$131.94B
P/E
17.98
ROE
13.8%
Profit margin
26.8%
Debt/Equity
N/A
Dividend yield
1.63%

AI Analysis

AI-powered fundamental assessment

Confidence
80%
HDB exhibits a stable financial health profile with a Piotroski F-Score of 5/9, though it lacks an Altman Z-Score as is typical for banking institutions. The current price of $25.71 is almost perfectly aligned with its growth-based intrinsic value of $26.1, suggesting the stock has reached a fundamental floor after a severe correction. While the company maintains a strong track record of earnings surprises and a 'Strong Buy' analyst consensus, these are offset by negative YoY revenue growth and a completely bearish technical trend (0/100). The valuation is further complicated by an exceptionally high Price-to-Book ratio of 10.61, which is aggressive for the regional banking sector.

Key Strengths

Consistent earnings beat track record (3/4 last 4 quarters)
Strong profitability with a 26.83% profit margin
Sustainable dividend payout ratio of 21.55%
Trading at or slightly below growth-based intrinsic value ($26.1)
Strong analyst consensus (Strong Buy) with a target price of $34.42

Key Risks

Negative YoY revenue growth (-1.80%)
Severe technical bearishness with a 0/100 trend score
Extremely high Price-to-Book ratio (10.61)
Poor long-term price performance (5Y Change: -25.4%)
Weak insider sentiment (40/100)
AI Fair Value Estimate
Based on comprehensive analysis
$26.1
+1.5% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
46
Moderate
Value
55
Future
45
Past
30
Health
60
Dividend
40
AI Verdict
Fairly Valued / High Risk Momentum
Key drivers: Price convergence with intrinsic value, Negative revenue growth, Extreme technical decline, Strong earnings quality
Confidence
85%
Value
55/100

Ref P/E, PEG, Graham Number

Positives
  • PEG ratio of 1.01 suggests fair growth pricing
  • P/E of 17.98 is reasonable for the sector
Watchpoints
  • P/B of 10.61 is significantly overvalued
  • Price is far above Graham Number ($8.83)
Future
45/100

Ref Growth rates

Positives
  • Positive earnings growth (7.50% YoY)
  • Strong quarterly EPS progression
Watchpoints
  • Negative revenue growth (-1.80%)
  • Bearish technical momentum
Past
30/100

Ref Historical trends

Positives
  • Consistent history of beating EPS estimates
Watchpoints
  • Negative returns over 1Y, 3Y, and 5Y periods
  • Significant 6-month price drop (-29.8%)
Health
60/100

Ref Altman Z-Score, Piotroski F-Score

Positives
  • Piotroski F-Score of 5/9 indicates stability
Watchpoints
  • Lack of Altman Z-Score data for bankruptcy risk assessment
Dividend
40/100

Ref Yield, Payout

Positives
  • Low payout ratio (21.55%) ensures safety
Watchpoints
  • Low dividend yield (1.63%)
  • Low overall dividend strength score (25/100)

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$25.71
Analyst Target
$34.42
Upside/Downside
+33.9%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for HDB and closest competitors.

Updated 2026-04-27
HDB
HDFC Bank Limited
Primary
5Y
-25.4%
3Y
-23.0%
1Y
-27.5%
6M
-29.8%
1M
+5.6%
1W
-3.3%
CB
Chubb Limited
Peer
5Y
+114.2%
3Y
+69.9%
1Y
+18.7%
6M
+23.4%
1M
+2.3%
1W
0.0%
IBK
Interactive Brokers Group, Inc.
Peer
5Y
+355.0%
3Y
+307.1%
1Y
+112.8%
6M
+21.7%
1M
+24.1%
1W
+9.0%
BBV
Banco Bilbao Vizcaya Argentaria, S.A.
Peer
5Y
+587.0%
3Y
+329.9%
1Y
+132.7%
6M
+61.9%
1M
+7.1%
1W
+2.4%
PGR
The Progressive Corporation
Peer
5Y
+126.5%
3Y
+45.9%
1Y
-27.6%
6M
-16.5%
1M
-9.3%
1W
-4.6%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
17.98
Forward P/E
17.45
PEG Ratio
1.01
P/B Ratio
10.61
P/S Ratio
0.05
EV/Revenue
1.2
EV/EBITDA
N/A
Market Cap
$131.94B

Profitability

Profit margins and return metrics

Profit Margin 26.83%
Operating Margin 40.54%
Gross Margin N/A
ROE 13.82%
ROA 1.7%

Growth

Revenue and earnings growth rates

Revenue Growth -1.8%
Earnings Growth +7.5%
Q/Q Revenue Growth N/A
Q/Q Earnings Growth +8.0%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$202.63

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q2 2025

Revenue
$853.5B
Net Margin
19.0%
Total Assets
$44560.5B
Liabilities
$38929.0B
Equity
$5426.3B
Debt/Equity
7.17x

Quarterly Earnings History

EPS performance vs analyst estimates

2026-07-18
$N/A
2026-04-18
$0.4
+4.3% surprise
2026-01-17
$0.4
+1.6% surprise
2025-10-18
$0.41
+14.5% surprise

Financial Services Sector Comparison

Comparing HDB against 820 companies in the Financial Services sector (141 bullish, 351 neutral, 328 bearish)
P/E Ratio
17.98
This Stock
vs
36.01
Sector Avg
-50.1% (Discount)
Return on Equity (ROE)
13.82%
This Stock
vs
-0.73%
Sector Avg
-1985.8% (Below Avg)
Profit Margin
26.83%
This Stock
vs
91.62%
Sector Avg
-70.7% (Weaker)
Revenue Growth
-1.8%
This Stock
vs
35.27%
Sector Avg
-105.1% (Slower)

Similar Companies

Peer comparison within the same industry

SEC Filings

Recent regulatory filings from the SEC EDGAR database

20-F
FORM 20-F
2025-07-14

HDB filed its annual Form 20-F on July 14, 2025. Due to the absence of provided excerpts, specific financial highlights and risk factors cannot be detailed from the available metadata.

20-F
FORM 20-F
2024-07-29

HDFC Bank continues to operate as a dominant force in the Indian banking sector, with its recent merger with HDFC Ltd significantly expanding its asset base and market reach. Primary investor risks include the complexities of post-merger integration and potential regulatory headwinds from the Reserve Bank of India.

Data sourced from SEC EDGAR. AI summaries generated automatically.

Past News Coverage

Recent headlines mentioning HDB from our newsroom.

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