ScoreWhy is HDFC Bank Ltd. ?
1
Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 1.77%
- Healthy long term growth as Net profit has grown by an annual rate of 21.31%
- The Bank has a high Capital Adequacy Ratio of 17.60% signifying high buffers against its risk based assets
2
Stock is technically in a Bullish range
- The technical trend has improved from Mildly Bullish on 25-Mar-25
- Multiple factors for the stock are Bullish like MACD, KST and OBV
3
High Institutional Holdings at 84.16%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
4
Market Beating Performance
- Even though the market (BSE 500) has generated negative returns of -0.97% in the last 1 year, the stock has been able to generate 18.13% returns
5
With its market cap of Rs 13,51,000 cr, it is the biggest company in the sector and constitutes 40.09% of the entire sector
- Its annual Sales of Rs 294,529.68 are 32.92% of the industry
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to HDFC Bank should be less than 10%
- Overall Portfolio exposure to Bank - Private should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Bank - Private)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is HDFC Bank for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
HDFC Bank
18.28%
0.88
20.53%
SENSEX
0.45%
0.03
14.48%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
17.62%
Net Profit Growth (5y)
21.31%
Advance to Deposit
93.60%
Capital Adequacy Ratio (Tier 1)
17.60%
Gross NPA (latest)
1.42%
Gross NPA (avg)
1.20%
Coverage Ratio (avg)
75.12%
Cost to Income (avg)
38.80%
Net Interest Margin (avg)
4.11%
Operating Profit to Assets (avg)
5.47%
ROA (avg)
1.77%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
20
Price to Book Value
2.82
PEG Ratio
1.23
Dividend Yield
1.10%
ROE (Latest)
13.81%
ROA (Latest)
1.76%
Net NPA to Book Value
2.42
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
NII(Q)
Highest at Rs 30,653.25 cr
INTEREST EARNED(Q)
Highest at Rs 76,006.88 cr
PBDIT(Q)
Highest at Rs 13,546.84 cr.
PBT LESS OI(Q)
At Rs 10,392.99 cr has Grown at 25.31%
-9What is not working for the Company
CREDIT DEPOSIT RATIO(HY)
Lowest at 98.22%
GROSS NPA(Q)
Highest at 1.42%
NET NPA(Q)
Highest at 0.46%
NON-OPERATING INCOME(Q)
is 52.43 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for HDFC Bank
Net Interest Income (Quarterly)
Highest at Rs 30,653.25 cr and Grown
each quarter in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 76,006.88 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 13,546.84 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 10,392.99 cr has Grown at 25.31%
Year on Year (YoY)MOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
CAR - Quarterly
Highest at 19.97%
in the last five quartersMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for HDFC Bank
Gross NPA - Quarterly
Highest at 1.42%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are increasing
Gross NPA (%)
Net NPA - Quarterly
Highest at 0.46% and Grown
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are increasing
Net NPA (%)
Credit Deposit Ratio - Half Yearly
Lowest at 98.22% and Fallen
in the last four periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
Non Operating Income - Quarterly
is 52.43 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
