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HDFC BANK
Intrinsic Value | Fundamental Analysis

BOM : 500180     NSE : HDFCBANK    
LT :  
    Long Term Analysis
Fundamentals : Good
Valuation : Good [Stock is Cheap]
NPA (Non Performing Assets) : Low
Updated:
ST :  
    Short Term Analysis
Quarterly Earnings Trend : Upward
Price Momentum : Upward
Pledged Shares : None or < 25%
Mar 28,2025
Price(EOD): ₹ 1,828.50
This is the End-of-Day (EOD) Stock Price updated daily by 7 pm IST.
Bank - Private
MCap: ₹ 1,399,204.77 Cr
Value of ₹ 1 Lac invested in HDFC BANK
on Mar 30,2020 (price: ₹ 833.00)

₹ 1 L

₹ 2.20 L

1W : 1.5% 1M : 8.6% 1Y : 27.9%
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Industry Peers & Returns1W1M1Y
HDFC BANK 1.5% 8.6% 27.9%
ICICI BANK -0.7% 10.2% 23.3%
KOTAK MAHINDRA BANK -0.3% 10.3% 21.4%
AXIS BANK 0.4% 9.2% 5.6%
INDUSIND BANK -2.9% -37.2% -55.7%
IDBI BANK -4% 8.4% -4%
YES BANK -3.1% -5.1% -27%
IDFC FIRST BANK -5.1% -6.6% -26.7%
THE FEDERAL BANK -1.5% 8% 32%

FUNDAMENTAL ANALYSIS OF HDFC BANK

 
Fundamentals Score
[ Q(TTM): Dec2024, Y: Mar2024
Q : Last Qtr data
Y : Last Audited Annual/Yearly Data
TTM i.e. Trailing Twelve Months is calculated using last 4 quarterly data and is a good substitute to track last 4 Qtr Annual result before the subsequent year data is published and audited.
Learn More
]

Insights 💡 HDFCBANK is one of the top 37% companies with good fundamentals ! Discover More →

VALUATION OF HDFC BANK

 
Valuation Score
[As on : Mar 28,2025 ]

Ratio Consolidated
P/E
P/B
P/S
19.39
P/E Calculated based on Trailing Twelve Months (TTM) Earnings of Rs 72,168.50 Cr
[Latest Qtr - Dec2024 - Consolidated Results ]

3.08
P/B Calculated based on Book Value of Rs 453,743.00 Cr
[Latest Year - Mar2024 - Consolidated Results ]

4.25
P/S Calculated based on Trailing Twelve Months (TTM) Revenues of Rs 329,022.00 Cr
[Latest Qtr - Dec2024 - Consolidated Results ]

Financial Ratios →

Insights 💡 HDFCBANK is one of the potential top 23% undervalued companies ! Discover More →

FAIR VALUE OF HDFC BANK

 
Model Discount(-)/
Premium(+)
EV/EBIDTA
EV/Sales
Price/Sales
-4%
-44%
-38%

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SHARE PRICE MOMENTUM OF HDFC BANK


Insights 💡 HDFCBANK is one of the top 21% companies with bullish price momentum currently! Discover More →

HDFC BANK vs SENSEX


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NPA

Year Net NPA/Advances ratio
Consolidated
2024
2023
2022
Avg_3yrs
0
0.27
0.32
0.2

PLEDGED PROMOTER SHARES OF HDFC BANK

Pledged Promoter Shares
0 %
As on : Dec2024

If less than 25%

Good
If between 25% and 50% Neutral
If greater than 50% Bad
Shareholding Pattern →

QTRLY RESULTS OF HDFC BANK

Consolidated Q-o-Q Y-o-Y
Net Interest Income
Op Profit
Profit Before Tax
Profit After Tax
2.46%
2.54%
0.02%
-1.54%
9.01%
8.06%
12.85%
3.51%
QtrlyTrend
6
Latest Qtr: Dec2024
Quarterly Result Analysis →


HDFC BANK related INDICES

BSE Indices1W1M1Y
BSE BANKEX 2.4% 7.4% 12.1%
BSE ALLCAP 1.5% 3.4% 7.5%
BSE FINANCIAL SERVICES 1.5% 7.2% 13.3%
BSE PRIVATE BANKS INDEX 1.4% 4% 7.6%
BSE DIVERSIFIED FINANCIALS REVENUE GROWTH INDEX 0.8% 4.5% 10.8%
NSE Indices1W1M1Y
NIFTY FINANCIAL SERVICES 2.1% 9% 20.7%
NIFTY PRIVATE BANK 2% 5.5% 9.7%
NIFTY BANK 1.9% 6% 10%
NIFTY FINANCIAL SERVICES 25/50 1.7% 8.6% 19.1%
NIFTY TOP 10 EQUAL WEIGHT 1.4% 5% NA

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FAQ about HDFC BANK


Is HDFC BANK good for long term investment?

As on Mar 28,2025, the Fundamentals of HDFC BANK look Strong and hence it may be good for long term investment! See Financial Performance of HDFC BANK . Please look at the other parameters such as Valuation, Price Momentum, News & Corporate Governance and/or consult an Investment Advisor before taking an investment decision!

Is HDFC BANK UnderValued or OverValued?

As on Mar 28,2025, HDFC BANK is Under Valued based on the estimates of intrinsic value and hence may be a good buying opportunity according to Share Valuation at this time!

What is the Intrinsic Value of HDFC BANK ?

As on Mar 28,2025, the Intrinsic Value of HDFC BANK is Rs. 2,927.42 estimated based on Median of the 3 historical models.
Fair Value [Median EV / EBIDTA Model] : Rs. 1,905.24
Fair Value [Median EV / Sales Model] : Rs. 3,290.62
Fair Value [Median Price / Sales Model] : Rs. 2,927.42
Estimated Median Fair Value of HDFC BANK : Rs. 2,927.42

The fair value of any stock is always subjective and should, in no way, be taken as a recommendation to buy/sell the same.

Is HDFC BANK trading at a Premium or Discount?

As on Mar 28,2025, HDFC BANK is trading at a Discount of -38% based on the estimates of Median Intrinsic Value!