HDFCBANK
HDFC Bank Limited (HDFCBANK) Stock Analysis
HDFC Bank Limited is India's largest private sector bank by market capitalization offering retail, corporate, and digital banking. It provides loans, deposits, cards, and payments to consumers and businesses nationwide. The bank is known for conservative risk management and technology. It is listed on Indian stock exchanges.
Financial Services › Banks - Regional
₹728.90
+3.05% 1W | -26.90% 52W
Market Cap
1123.8k CR
P/E Ratio
15.9
52W High
₹1020.5
52W Low
₹681.9
Div. Yield
1.79%
Beta
0.4
50 DMA
₹717.8
200 DMA
₹792.9
Profit Margin
26.8%
Inst. Own.
61.2%
🚀 BREAKOUT
🚀 BREAKOUT
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 51,168 | 75,039 | 78,008 | 79,434 | 81,546 | 83,002 | 85,040 | 86,779 | 87,372 | 86,994 | 87,067 | 87,182 | 90,575 |
| Interest | 25,955 | 41,250 | 43,242 | 43,692 | 44,580 | 45,414 | 46,914 | 46,986 | 47,709 | 46,741 | 45,821 | 45,220 | 47,626 |
| Expenses | 18,470 | 45,349 | 50,530 | 62,938 | 49,690 | 52,074 | 41,307 | 47,709 | 64,497 | 45,161 | 54,145 | 44,028 | 58,292 |
| Financing Profit | 6,744 | -11,560 | -15,764 | -27,196 | -12,723 | -14,487 | -3,181 | -7,916 | -24,833 | -4,908 | -12,899 | -2,066 | -15,342 |
| Financing Margin % | 13% | -15% | -20% | -34% | -16% | -17% | -4% | -9% | -28% | -6% | -15% | -2% | -17% |
| Other Income | 9,853 | 32,528 | 37,007 | 44,958 | 35,450 | 38,455 | 27,154 | 33,489 | 45,683 | 31,567 | 39,860 | 29,737 | 42,535 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 16,597 | 20,967 | 21,243 | 17,761 | 22,727 | 23,968 | 23,973 | 25,573 | 20,850 | 26,659 | 26,961 | 27,672 | 27,193 |
| Tax % | 25% | 17% | 17% | -1% | 24% | 22% | 24% | 25% | 18% | 24% | 23% | 24% | 25% |
| Net Profit | 12,403 | 17,312 | 17,718 | 18,013 | 17,188 | 18,627 | 18,340 | 19,285 | 17,090 | 20,364 | 20,691 | 21,074 | 20,383 |
| EPS in Rs | 11.06 | 11.09 | 11.37 | 11.60 | 10.83 | 11.68 | 11.54 | 12.31 | 10.60 | 12.76 | 12.87 | 13.22 | 12.50 |
| Gross NPA % | |||||||||||||
| Net NPA % |
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 50,666 | 63,162 | 73,271 | 85,288 | 105,161 | 122,189 | 128,552 | 135,936 | 170,754 | 283,649 | 336,367 | 348,615 | 351,819 |
| Interest | 27,288 | 34,070 | 38,042 | 42,381 | 53,713 | 62,137 | 59,248 | 58,584 | 77,780 | 154,139 | 183,894 | 185,491 | 185,408 |
| Expenses | 16,164 | 20,055 | 23,856 | 29,532 | 34,856 | 45,459 | 52,457 | 56,557 | 63,042 | 174,196 | 186,974 | 203,635 | 201,625 |
| Financing Profit | 7,214 | 9,037 | 11,374 | 13,374 | 16,592 | 14,593 | 16,848 | 20,795 | 29,932 | -44,685 | -34,501 | -40,511 | -35,215 |
| Financing Margin % | 14% | 14% | 16% | 16% | 16% | 12% | 13% | 15% | 18% | -16% | -10% | -12% | -10% |
| Other Income | 9,546 | 11,212 | 12,905 | 16,057 | 18,947 | 24,879 | 27,333 | 31,759 | 33,912 | 124,346 | 134,548 | 146,848 | 143,700 |
| Depreciation | 680 | 738 | 886 | 967 | 1,221 | 1,277 | 1,385 | 1,681 | 2,345 | 3,092 | 3,805 | 4,195 | 0 |
| Profit before tax | 16,079 | 19,511 | 23,393 | 28,464 | 34,318 | 38,195 | 42,796 | 50,873 | 61,498 | 76,569 | 96,242 | 102,141 | 108,485 |
| Tax % | 33% | 34% | 35% | 35% | 35% | 29% | 26% | 25% | 25% | 15% | 24% | 22% | |
| Net Profit | 10,703 | 12,821 | 15,317 | 18,561 | 22,446 | 27,296 | 31,857 | 38,151 | 46,149 | 65,446 | 73,440 | 79,219 | 82,512 |
| EPS in Rs | 10.66 | 12.66 | 14.91 | 17.83 | 20.50 | 24.85 | 28.87 | 34.31 | 41.22 | 42.16 | 46.26 | 49.39 | 51.35 |
| Dividend Payout % | 19% | 19% | 18% | 18% | 18% | 5% | 11% | 23% | 23% | 23% | 24% | 31% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 27.0% | 22.0% | 19.0% |
| Profit CAGR | 18.0% | 19.0% | 19.0% |
Shareholding Pattern
FIIs48.38%
DIIs36.07%
Public15.33%
FIIs47.67%
DIIs37.00%
Public15.11%
FIIs44.05%
DIIs40.14%
Public15.64%
FIIs41.82%
DIIs41.75%
Public16.27%
FIIs39.39%
DIIs43.44%
Public16.96%
Promoters25.59%
FIIs32.24%
DIIs28.09%
Public13.91%
FIIs47.83%
DIIs33.33%
Public18.64%
FIIs48.30%
DIIs35.68%
Public15.84%
FIIs44.05%
DIIs40.14%
Public15.64%
FIIs39.39%
DIIs43.44%
Public16.96%
HDFCBANK
Holdings Analysis
Key strengths & risk signals
76
Overall
88
Fundamental
64
Technical
Risks (2)
POOR YEAR! Stock declined 26.9% in the last year.
WEAK! Trading at 13.9% of 52W range - near yearly lows.
Strengths (4)
UNDERVALUED! PEG of 0.84 indicates stock is cheap relative to growth.
BREAKOUT! Stock has broken above resistance levels with momentum.
LOW VOLATILITY! Beta of 0.40 - stable stock, less market risk.
BULLISH SENTIMENT! In last 30 days: 16 up days, 14 down days. Avg volume on up days: 30,226,368 vs down days: 29,072,635. Ratio: 1.04x
Fundamental & Technical Analysis
76Overall
88Fundamental
64Technical
Fundamental Breakdown
Growth Quality
28/30
Revenue CAGR: 22.0% (EXCELLENT, 15/15). Profit CAGR: 19.0% (VERY GOOD, 13/15).
Profit Margin
9/10
EXCELLENT EFFICIENCY! 26.8% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.84 indicates stock is cheap relative to growth.
Dividend Yield
5/10
LOW DIVIDEND! 1.79% yield - minimal income contribution.
Debt to Equity
6/10
MODERATE DEBT! D/E of 0.85 - acceptable leverage.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 14.19% public ownership - strong promoter/institutional control.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
5/10
BEARISH TREND! 50-day average (717.8) is below 200-day average (792.9) - negative signal.
Price Position
6/10
MIXED POSITION! Current price (728.9) above 50-day but below 200-day.
Trend Pattern
20/20
BREAKOUT! Stock has broken above resistance levels with momentum.
52W Performance
1/10
POOR YEAR! Stock declined 26.9% in the last year.
Volume Sentiment
20/30
BULLISH SENTIMENT! In last 30 days: 16 up days, 14 down days. Avg volume on up days: 30,226,368 vs down days: 29,072,635. Ratio: 1.04x
RSI
3/5
NEUTRAL! RSI at 55.0 - balanced momentum.
52W Range
1/5
WEAK! Trading at 13.9% of 52W range - near yearly lows.
Momentum
3/5
MIXED MOMENTUM! Price growth is inconsistent - 3.0% (1 week), 1.0% (1 month), -11.1% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.40 - stable stock, less market risk.
HDFCBANK
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-07-24 | Concall PDF | |
| Q3FY262026-03-19 | Concall PDF | |
| Q2FY262026-01-23 | Concall PDF | |
| Q1FY262025-10-27 | Concall PDF |
Peer Comparison
Financial Services · Banks - Regional · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| HDFCBANK | ₹728.90 | 15.9 | 26.8% | 22.0% | 19.0% | -26.9% | 76 | BREAKOUT | +25.4% | -3.3% | – | -10.4% |
| ICICIBANK | ₹1,397.00 | 18.1 | 27.5% | 18.1% | 16.8% | -3.3% | 74 | APPROACHING SUPPORT | +13.9% | +4.6% | +7.7% | +7.3% |
| SBIN | ₹962.60 | 10.3 | 22.4% | 12.2% | 14.4% | +8.0% | 73 | APPROACHING SUPPORT | +13.7% | +22.8% | +10.2% | -3.3% |
| KOTAKBANK | ₹447.40 | 21.9 | 28.5% | 13.5% | 8.9% | +1.5% | 57 | CONSOLIDATING UP | +22.5% | +1.1% | +16.6% | +7.8% |
| AXISBANK | ₹1,290.00 | 14.5 | 36.0% | 12.2% | 34.6% | +7.7% | 76 | BREAKOUT | +22.2% | +0.4% | +3.8% | +4.2% |
| PNB | ₹116.30 | 6.1 | 38.1% | 10.0% | 76.4% | -0.9% | 74 | APPROACHING RESISTANCE | +174.3% | +4.0% | -4.9% | +4.9% |
| UNIONBANK | ₹168.00 | 6.2 | 40.5% | 7.6% | 31.7% | +22.6% | 75 | BREAKDOWN | +27.4% | +2.5% | +9.5% | -1.4% |
| BANKBARODA | ₹230.40 | 6.6 | 27.4% | 10.3% | 10.0% | -13.8% | 62 | APPROACHING SUPPORT | -48.6% | -69.3% | +10.6% | +4.2% |
Data from TradeAlone · Updated daily
