NSE: HDFCBANK
BSE: HDFCBANK
Financial Services
HDFC Bank Ltd.
HDFC Bank Ltd. is a leading player in the Financial Services industry operating in India.
Current Price
₹2686.93
52W High/Low: ₹3170.58 / ₹2095.81
Market Cap
₹296446.04 Cr.
Stock P/E
45.54
Book Value
₹802.07
Dividend Yield
2.59%
ROCE
25.71%
ROE
17.00%
Debt
₹55239.86 Cr.
Cash
₹33143.92 Cr.
Intrinsic Value
₹3089.97
Industry P/E
40.99
Promoter Holding
51.23%
EPS (TTM)
₹59.00
Candlestick & Volume Chart
Pros
- Company has reduced debt significantly and is almost debt free.
- Company has been maintaining a healthy dividend payout of 2.59%.
- Solid return on equity (ROE) of 17.00% over the last 3 years.
- Robust ROCE at 25.71%, indicating excellent capital efficiency.
Cons
- The stock is trading at 3.35x book value, which may be on the higher side.
- Promoter holding has remained flat at 51.23% in recent quarters.
- Sales growth has been moderate compared to sector leaders in the past year.
Peer Comparison (Sector: Financial Services)
| Company | Price (₹) | Mkt Cap (₹ Cr.) | P/E | P/B | ROE (%) | ROCE (%) | Debt (₹ Cr.) | Div Yield (%) | Sales Growth (%) | Profit Growth (%) |
|---|---|---|---|---|---|---|---|---|---|---|
| HDFC Bank Ltd. Current | ₹2686.93 | 296446.04 | 45.54 | 3.35 | 17.00% | 25.71% | 55239.86 | 2.59% | 26.28% | 38.10% |
| ICICI Bank Ltd. | ₹2235.20 | 401164.13 | 17.87 | 6.09 | 34.82% | 16.36% | 100447.31 | 4.08% | 6.05% | 34.40% |
| State Bank of India | ₹2709.75 | 518375.37 | 8.10 | 4.94 | 40.93% | 29.06% | 105199.77 | 1.78% | 9.85% | 22.54% |
| 360 ONE WAM Ltd. | ₹188.88 | 809050.23 | 59.79 | 8.55 | 44.62% | 52.34% | 213252.05 | 3.37% | 34.81% | 41.27% |
| AU Small Finance Bank Ltd. | ₹1660.31 | 781532.64 | 34.17 | 10.00 | 8.82% | 30.63% | 118504.92 | 3.59% | 9.58% | 26.80% |
| Aadhar Housing Finance Ltd. | ₹1676.35 | 184451.99 | 9.35 | 2.65 | 38.68% | 32.55% | 25022.82 | 3.22% | 31.86% | 15.24% |
| Aavas Financiers Ltd. | ₹3539.00 | 139774.77 | 69.85 | 10.78 | 15.17% | 20.33% | 25811.12 | 4.07% | 24.34% | 14.53% |
| Aditya Birla Capital Ltd. | ₹1751.01 | 20942.78 | 12.79 | 9.59 | 38.52% | 33.88% | 5048.00 | 1.94% | 29.31% | 9.22% |
| Aditya Birla Sun Life AMC Ltd. | ₹556.03 | 1126235.70 | 41.48 | 7.53 | 18.85% | 15.38% | 287567.63 | 1.45% | 6.94% | 22.49% |
| Anand Rathi Wealth Ltd. | ₹1399.54 | 927144.20 | 72.86 | 6.99 | 27.46% | 17.23% | 93303.58 | 2.93% | 12.34% | 23.92% |
| Angel One Ltd. | ₹327.78 | 1080614.52 | 20.63 | 7.92 | 22.82% | 44.38% | 155838.62 | 1.40% | 29.74% | 16.92% |
| Aptus Value Housing Finance India Ltd. | ₹587.12 | 593230.08 | 60.33 | 1.21 | 19.06% | 46.64% | 49127.33 | 1.60% | 16.91% | 11.79% |
| Authum Investment & Infrastructure Ltd. | ₹2524.17 | 471762.48 | 15.96 | 3.00 | 32.71% | 33.12% | 4272.05 | 1.43% | 29.77% | 40.01% |
| Axis Bank Ltd. | ₹4157.80 | 551758.16 | 52.02 | 2.11 | 46.71% | 46.13% | 135060.16 | 2.87% | 16.58% | 30.57% |
| BSE Ltd. | ₹1386.61 | 164979.19 | 71.52 | 4.97 | 16.24% | 50.95% | 2827.24 | 1.04% | 27.13% | 19.88% |
| Bajaj Finance Ltd. | ₹3521.01 | 13735.48 | 28.63 | 5.86 | 20.03% | 53.91% | 3457.43 | 1.95% | 28.56% | 36.53% |
| Bajaj Finserv Ltd. | ₹3076.47 | 1182060.90 | 70.14 | 8.49 | 42.75% | 34.73% | 341386.68 | 0.64% | 6.82% | 20.19% |
| Bajaj Holdings & Investment Ltd. | ₹2427.00 | 405144.55 | 24.59 | 3.06 | 27.86% | 45.68% | 1278.79 | 4.37% | 27.40% | 26.44% |
| Bajaj Housing Finance Ltd. | ₹3326.35 | 1055720.37 | 60.16 | 10.26 | 10.27% | 15.27% | 140811.84 | 3.77% | 26.56% | 20.19% |
| Bandhan Bank Ltd. | ₹2785.62 | 590368.80 | 36.47 | 3.65 | 41.00% | 20.01% | 55984.48 | 0.62% | 24.17% | 40.68% |
| Bank of Baroda | ₹2427.00 | 405144.55 | 24.59 | 3.06 | 27.86% | 45.68% | 1278.79 | 4.37% | 27.40% | 26.44% |
| Bank of India | ₹1751.01 | 20942.78 | 12.79 | 9.59 | 38.52% | 33.88% | 5048.00 | 1.94% | 29.31% | 9.22% |
| Bank of Maharashtra | ₹2372.86 | 1304469.44 | 28.32 | 1.26 | 45.82% | 52.21% | 419849.80 | 2.80% | 15.98% | 23.45% |
| Billionbrains Garage Ventures Ltd. | ₹1923.52 | 626574.81 | 34.49 | 4.46 | 12.53% | 11.72% | 28779.74 | 0.70% | 31.54% | 18.49% |
| CRISIL Ltd. | ₹1398.96 | 1121393.85 | 51.68 | 4.72 | 18.52% | 34.51% | 255604.16 | 1.61% | 12.68% | 41.14% |
| Can Fin Homes Ltd. | ₹4138.14 | 661907.24 | 49.73 | 11.44 | 33.36% | 41.13% | 79827.18 | 1.73% | 14.87% | 13.25% |
| Canara Bank | ₹3867.86 | 864360.63 | 29.58 | 4.13 | 47.95% | 23.30% | 138219.16 | 1.19% | 11.57% | 23.91% |
| Canara HSBC Life Insurance Company Ltd. | ₹389.29 | 23898.65 | 11.33 | 11.92 | 18.45% | 34.61% | 1931.18 | 1.91% | 16.14% | 37.66% |
| Capri Global Capital Ltd. | ₹138.33 | 380211.58 | 37.85 | 11.48 | 40.24% | 44.21% | 4620.70 | 0.88% | 21.82% | 17.50% |
| Central Bank of India | ₹2873.96 | 42590.83 | 27.78 | 9.62 | 40.62% | 38.89% | 12461.97 | 2.78% | 24.74% | 10.03% |
| Central Depository Services (India) Ltd. | ₹833.50 | 727563.13 | 21.32 | 9.16 | 25.42% | 37.09% | 219427.66 | 1.53% | 16.91% | 30.18% |
| Choice International Ltd. | ₹3447.93 | 246849.50 | 46.36 | 9.58 | 22.28% | 26.48% | 77495.17 | 2.84% | 34.89% | 13.60% |
| Cholamandalam Financial Holdings Ltd. | ₹3945.05 | 437147.68 | 10.94 | 2.40 | 19.30% | 29.09% | 51385.36 | 1.95% | 28.94% | 30.80% |
| Cholamandalam Investment and Finance Company Ltd. | ₹2380.36 | 443176.89 | 63.69 | 11.65 | 33.82% | 39.29% | 67432.38 | 4.39% | 13.51% | 41.57% |
| City Union Bank Ltd. | ₹1386.61 | 164979.19 | 71.52 | 4.97 | 16.24% | 50.95% | 2827.24 | 1.04% | 27.13% | 19.88% |
| Computer Age Management Services Ltd. | ₹3467.64 | 1148831.30 | 18.05 | 10.24 | 15.68% | 51.23% | 232942.23 | 4.19% | 14.71% | 37.09% |
| CreditAccess Grameen Ltd. | ₹2989.05 | 379602.87 | 36.01 | 10.72 | 26.88% | 44.85% | 11690.70 | 1.76% | 17.63% | 26.15% |
| Federal Bank Ltd. | ₹1208.19 | 946108.83 | 67.01 | 5.91 | 47.06% | 41.20% | 219961.16 | 2.97% | 13.54% | 34.07% |
| Five-Star Business Finance Ltd. | ₹3722.98 | 339228.57 | 59.84 | 7.72 | 41.84% | 35.84% | 93820.71 | 0.62% | 32.99% | 15.45% |
| General Insurance Corporation of India | ₹3464.39 | 787795.47 | 48.86 | 5.14 | 17.75% | 39.41% | 266701.02 | 3.36% | 20.54% | 29.58% |
| Go Digit General Insurance Ltd. | ₹2735.36 | 44384.60 | 30.13 | 2.60 | 46.74% | 35.21% | 9404.24 | 0.82% | 23.33% | 30.12% |
| HDB Financial Services Ltd. | ₹464.04 | 758487.89 | 47.08 | 10.56 | 19.82% | 28.78% | 6084.61 | 4.00% | 7.73% | 35.56% |
| HDFC Asset Management Company Ltd. | ₹817.33 | 735218.86 | 20.03 | 11.31 | 20.13% | 27.32% | 79090.02 | 3.59% | 33.39% | 10.75% |
| HDFC Life Insurance Company Ltd. | ₹4229.10 | 1206435.78 | 39.70 | 4.70 | 23.11% | 40.10% | 180651.65 | 4.41% | 14.52% | 12.06% |
| Home First Finance Company India Ltd. | ₹2757.65 | 1296264.70 | 8.10 | 6.36 | 45.57% | 54.59% | 268380.30 | 0.59% | 15.05% | 36.89% |
| Housing & Urban Development Corporation Ltd. | ₹1432.55 | 622828.90 | 48.94 | 11.66 | 47.15% | 24.27% | 216744.49 | 2.83% | 29.23% | 9.68% |
| ICICI Lombard General Insurance Company Ltd. | ₹1216.82 | 1436180.46 | 63.82 | 4.81 | 19.36% | 39.17% | 46763.50 | 3.30% | 7.15% | 25.05% |
| ICICI Prudential Asset Management Company Ltd. | ₹3326.35 | 1055720.37 | 60.16 | 10.26 | 10.27% | 15.27% | 140811.84 | 3.77% | 26.56% | 20.19% |
| ICICI Prudential Life Insurance Company Ltd. | ₹3433.91 | 1014059.74 | 37.92 | 8.12 | 25.25% | 54.28% | 333702.27 | 4.35% | 5.59% | 37.92% |
| IDBI Bank Ltd. | ₹1427.65 | 984623.29 | 68.13 | 7.95 | 18.45% | 34.70% | 191195.15 | 3.01% | 27.94% | 24.68% |
| IDFC First Bank Ltd. | ₹1175.82 | 108343.64 | 69.43 | 2.25 | 43.47% | 13.08% | 19131.80 | 1.65% | 9.33% | 18.33% |
| IFCI Ltd. | ₹3275.73 | 206559.94 | 43.41 | 4.04 | 41.75% | 53.11% | 45312.88 | 0.83% | 18.02% | 31.89% |
| IIFL Finance Ltd. | ₹3467.64 | 1148831.30 | 18.05 | 10.24 | 15.68% | 51.23% | 232942.23 | 4.19% | 14.71% | 37.09% |
| Indian Bank | ₹2895.42 | 943834.25 | 24.14 | 9.91 | 21.46% | 26.38% | 237192.33 | 2.17% | 15.55% | 40.20% |
| Indian Energy Exchange Ltd. | ₹3187.23 | 454302.98 | 70.93 | 10.76 | 29.48% | 39.68% | 121783.92 | 3.96% | 19.61% | 38.87% |
| Indian Overseas Bank | ₹1386.61 | 164979.19 | 71.52 | 4.97 | 16.24% | 50.95% | 2827.24 | 1.04% | 27.13% | 19.88% |
| Indian Railway Finance Corporation Ltd. | ₹3467.64 | 1148831.30 | 18.05 | 10.24 | 15.68% | 51.23% | 232942.23 | 4.19% | 14.71% | 37.09% |
| Indian Renewable Energy Development Agency Ltd. | ₹868.99 | 1404021.55 | 12.19 | 11.07 | 18.80% | 34.23% | 109022.57 | 0.88% | 17.17% | 22.21% |
| IndusInd Bank Ltd. | ₹1378.45 | 942637.57 | 60.26 | 4.13 | 28.24% | 29.56% | 227300.01 | 3.92% | 25.26% | 40.47% |
| JM Financial Ltd. | ₹3262.93 | 1048202.51 | 68.03 | 11.55 | 47.87% | 10.21% | 162429.23 | 2.72% | 25.52% | 25.32% |
| Jammu & Kashmir Bank Ltd. | ₹4420.22 | 1406992.35 | 12.49 | 4.41 | 26.52% | 24.59% | 120595.99 | 2.48% | 15.79% | 10.55% |
| Jio Financial Services Ltd. | ₹1879.04 | 788917.07 | 48.01 | 5.64 | 33.60% | 27.76% | 246331.28 | 3.89% | 8.68% | 40.59% |
| Karur Vysya Bank Ltd. | ₹517.85 | 534244.68 | 61.66 | 6.53 | 27.86% | 46.24% | 24880.52 | 3.90% | 14.95% | 15.11% |
| Kfin Technologies Ltd. | ₹3277.14 | 1370574.51 | 34.92 | 3.58 | 44.27% | 24.41% | 56626.15 | 0.52% | 15.45% | 26.12% |
| Kotak Mahindra Bank Ltd. | ₹2873.96 | 42590.83 | 27.78 | 9.62 | 40.62% | 38.89% | 12461.97 | 2.78% | 24.74% | 10.03% |
| L&T Finance Ltd. | ₹3187.23 | 454302.98 | 70.93 | 10.76 | 29.48% | 39.68% | 121783.92 | 3.96% | 19.61% | 38.87% |
| LIC Housing Finance Ltd. | ₹4004.24 | 922568.20 | 37.60 | 9.55 | 28.93% | 24.76% | 237970.93 | 2.06% | 20.21% | 22.36% |
| Life Insurance Corporation of India | ₹3829.94 | 409812.27 | 54.05 | 2.09 | 8.21% | 11.09% | 93386.46 | 3.83% | 31.40% | 22.19% |
| Mahindra & Mahindra Financial Services Ltd. | ₹3703.20 | 957911.36 | 39.36 | 2.07 | 36.28% | 23.17% | 220216.41 | 1.39% | 9.22% | 34.87% |
| Manappuram Finance Ltd. | ₹848.23 | 747126.15 | 17.31 | 10.75 | 12.71% | 15.46% | 64687.35 | 3.18% | 26.86% | 11.11% |
| Max Financial Services Ltd. | ₹1962.79 | 788178.59 | 20.71 | 9.45 | 16.35% | 42.57% | 104535.92 | 0.35% | 25.22% | 34.53% |
| Motilal Oswal Financial Services Ltd. | ₹4327.08 | 553201.41 | 18.59 | 3.89 | 11.61% | 19.70% | 37255.56 | 0.67% | 29.69% | 32.97% |
| Multi Commodity Exchange of India Ltd. | ₹1300.54 | 351350.43 | 13.39 | 10.44 | 18.87% | 22.63% | 115859.33 | 0.73% | 17.55% | 25.01% |
| Muthoot Finance Ltd. | ₹1001.07 | 604587.53 | 67.96 | 6.40 | 18.63% | 44.62% | 153455.13 | 2.09% | 16.28% | 14.68% |
| Nippon Life India Asset Management Ltd. | ₹1365.45 | 1471292.68 | 41.22 | 4.57 | 47.77% | 29.18% | 3223.93 | 0.87% | 28.77% | 35.72% |
| Niva Bupa Health Insurance Company Ltd. | ₹3838.83 | 151020.32 | 57.13 | 6.79 | 41.40% | 14.38% | 45369.85 | 3.85% | 15.87% | 18.74% |
| Nuvama Wealth Management Ltd. | ₹3379.50 | 1449947.79 | 37.16 | 9.78 | 33.93% | 37.78% | 417287.55 | 1.60% | 28.69% | 38.14% |
| One 97 Communications Ltd. | ₹1699.53 | 33514.85 | 16.41 | 11.39 | 34.65% | 54.49% | 1387.66 | 4.08% | 7.21% | 33.55% |
| PB Fintech Ltd. | ₹3455.88 | 1189866.40 | 17.12 | 10.84 | 41.30% | 47.27% | 294827.57 | 4.08% | 34.04% | 35.78% |
| PNB Housing Finance Ltd. | ₹199.03 | 368631.13 | 26.37 | 11.13 | 42.73% | 50.17% | 12484.59 | 3.52% | 23.11% | 33.33% |
| Pine Labs Ltd. | ₹161.74 | 75736.04 | 40.68 | 5.78 | 37.37% | 25.60% | 4022.59 | 3.12% | 32.40% | 24.52% |
| Piramal Finance Ltd. | ₹916.93 | 1038635.11 | 40.10 | 3.21 | 13.50% | 13.05% | 146492.53 | 4.23% | 10.45% | 32.56% |
| Poonawalla Fincorp Ltd. | ₹1503.87 | 209849.05 | 24.19 | 7.45 | 44.28% | 14.58% | 51233.31 | 1.95% | 23.71% | 16.75% |
| Power Finance Corporation Ltd. | ₹4323.45 | 354934.20 | 24.86 | 3.90 | 21.64% | 22.10% | 40253.63 | 2.71% | 28.08% | 22.42% |
| Punjab National Bank | ₹333.84 | 286667.12 | 13.15 | 6.98 | 17.10% | 29.18% | 93163.86 | 1.61% | 20.85% | 8.85% |
| RBL Bank Ltd. | ₹2461.12 | 996130.41 | 41.15 | 2.29 | 22.66% | 13.64% | 221927.77 | 2.63% | 16.08% | 39.16% |
| REC Ltd. | ₹3553.62 | 1148741.07 | 53.74 | 7.87 | 16.60% | 16.29% | 174991.42 | 2.70% | 10.97% | 21.07% |
| SBFC Finance Ltd. | ₹2238.55 | 476480.82 | 12.70 | 8.86 | 24.32% | 49.40% | 88848.22 | 3.04% | 16.21% | 33.34% |
| SBI Cards and Payment Services Ltd. | ₹2109.99 | 857157.11 | 61.98 | 9.33 | 15.66% | 16.85% | 223732.43 | 4.42% | 25.63% | 28.92% |
| SBI Life Insurance Company Ltd. | ₹3096.37 | 828089.65 | 59.17 | 5.60 | 39.29% | 16.99% | 249339.23 | 2.59% | 32.00% | 29.57% |
| Sammaan Capital Ltd. | ₹2766.27 | 229102.76 | 28.41 | 6.95 | 19.14% | 22.30% | 59840.79 | 1.30% | 23.53% | 41.75% |
| Shriram Finance Ltd. | ₹3938.15 | 603952.60 | 28.22 | 4.41 | 22.88% | 45.60% | 73792.91 | 3.42% | 32.16% | 17.61% |
| Star Health and Allied Insurance Company Ltd. | ₹2348.15 | 1080408.41 | 73.99 | 4.85 | 11.54% | 42.49% | 99197.61 | 1.64% | 9.49% | 20.75% |
| Sundaram Finance Ltd. | ₹312.77 | 808162.56 | 69.62 | 4.59 | 38.98% | 30.16% | 32687.99 | 0.31% | 20.19% | 27.68% |
| Tata Capital Ltd. | ₹3096.37 | 828089.65 | 59.17 | 5.60 | 39.29% | 16.99% | 249339.23 | 2.59% | 32.00% | 29.57% |
| Tata Investment Corporation Ltd. | ₹4381.63 | 231993.79 | 39.17 | 2.01 | 20.10% | 16.50% | 28861.70 | 3.21% | 24.73% | 39.77% |
| The New India Assurance Company Ltd. | ₹464.04 | 758487.89 | 47.08 | 10.56 | 19.82% | 28.78% | 6084.61 | 4.00% | 7.73% | 35.56% |
| UCO Bank | ₹782.80 | 1435170.09 | 69.49 | 2.23 | 45.31% | 30.92% | 137848.19 | 0.40% | 28.83% | 36.69% |
| UTI Asset Management Company Ltd. | ₹229.80 | 194744.09 | 57.21 | 1.67 | 11.80% | 45.00% | 48649.96 | 3.99% | 13.96% | 13.80% |
| Union Bank of India | ₹2850.73 | 966167.87 | 53.17 | 6.27 | 26.37% | 31.27% | 257918.97 | 1.47% | 27.79% | 21.52% |
| Yes Bank Ltd. | ₹3728.94 | 1461007.64 | 39.80 | 9.89 | 35.16% | 36.92% | 73668.71 | 2.53% | 13.35% | 22.97% |
Quarterly Financial Trends
| Quarter | Sales (₹ Cr.) | Expenses (₹ Cr.) | Operating Profit (₹ Cr.) | OPM (%) | Other Income (₹ Cr.) | Interest (₹ Cr.) | Depreciation (₹ Cr.) | Profit Before Tax (₹ Cr.) | Tax (%) | Net Profit (₹ Cr.) | EPS (₹) |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Jun 2025 | 15249.39 | 12504.50 | 2744.89 | 18.00% | 304.99 | 228.74 | 457.48 | 2363.65 | 25.00% | 1772.74 | 17.73 |
| Sep 2025 | 15499.85 | 12709.88 | 2789.97 | 18.00% | 310.00 | 232.50 | 465.00 | 2402.48 | 25.00% | 1801.86 | 18.02 |
| Dec 2025 | 15906.49 | 13043.32 | 2863.17 | 18.00% | 318.13 | 238.60 | 477.19 | 2465.51 | 25.00% | 1849.13 | 18.49 |
| Mar 2026 | 16719.45 | 13709.95 | 3009.50 | 18.00% | 334.39 | 250.79 | 501.58 | 2591.51 | 25.00% | 1943.64 | 19.44 |
| Jun 2026 | 17619.53 | 14448.02 | 3171.52 | 18.00% | 352.39 | 264.29 | 528.59 | 2731.03 | 25.00% | 2048.27 | 20.48 |
| Q1 FY25 | 14822.30 | 0.00 | 3557.35 | 20.87% | 296.45 | 296.45 | 592.89 | 2371.57 | 25.00% | 1778.68 | 14.75 |
| Q2 FY25 | 14822.30 | 0.00 | 3557.35 | 29.92% | 296.45 | 296.45 | 592.89 | 2371.57 | 25.00% | 1778.68 | 14.75 |
| Q3 FY25 | 14822.30 | 0.00 | 3557.35 | 21.41% | 296.45 | 296.45 | 592.89 | 2371.57 | 25.00% | 1778.68 | 14.75 |
| Q4 FY25 | 14822.30 | 0.00 | 3557.35 | 23.54% | 296.45 | 296.45 | 592.89 | 2371.57 | 25.00% | 1778.68 | 14.75 |
Yearly Profit & Loss Statements
| Year | Sales (₹ Cr.) | Expenses (₹ Cr.) | Operating Profit (₹ Cr.) | OPM (%) | Other Income (₹ Cr.) | Interest (₹ Cr.) | Depreciation (₹ Cr.) | Profit Before Tax (₹ Cr.) | Tax (%) | Net Profit (₹ Cr.) | EPS (₹) | Div Payout (%) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Mar 2022 | 60643.67 | 49121.37 | 11522.30 | 19.00% | 1212.87 | 909.65 | 1819.31 | 10006.20 | 25.00% | 7504.65 | 72.10 | 20.00% |
| Mar 2023 | 68258.20 | 55289.14 | 12969.06 | 19.00% | 1365.16 | 1023.87 | 2047.75 | 11262.60 | 25.00% | 8446.95 | 77.30 | 20.00% |
| Mar 2024 | 70805.33 | 57352.32 | 13453.01 | 19.00% | 1416.11 | 1062.08 | 2124.16 | 11682.88 | 25.00% | 8762.16 | 82.50 | 20.00% |
| Mar 2025 | 77511.96 | 62784.69 | 14727.27 | 19.00% | 1550.24 | 1162.68 | 2325.36 | 12789.47 | 25.00% | 9592.11 | 87.70 | 20.00% |
| Mar 2026 | 80997.85 | 65608.26 | 15389.59 | 19.00% | 1619.96 | 1214.97 | 2429.94 | 13364.65 | 25.00% | 10023.48 | 92.90 | 20.00% |
Balance Sheet Summary
| Year | Share Capital (₹ Cr.) | Reserves (₹ Cr.) | Borrowings (₹ Cr.) | Other Liabilities (₹ Cr.) | Total Liabilities (₹ Cr.) | Fixed Assets (₹ Cr.) | CWIP (₹ Cr.) | Investments (₹ Cr.) | Other Assets (₹ Cr.) | Total Assets (₹ Cr.) |
|---|---|---|---|---|---|---|---|---|---|---|
| Mar 2022 | 9991.20 | 187335.00 | 931000.00 | 28100.25 | 1156426.45 | 636034.55 | 57821.32 | 231285.29 | 231285.29 | 1156426.45 |
| Mar 2023 | 9991.20 | 200448.45 | 903070.00 | 30067.27 | 1143576.92 | 628967.30 | 57178.85 | 228715.38 | 228715.38 | 1143576.92 |
| Mar 2024 | 9991.20 | 213561.90 | 875140.00 | 32034.29 | 1130727.39 | 621900.06 | 56536.37 | 226145.48 | 226145.48 | 1130727.39 |
| Mar 2025 | 9991.20 | 226675.35 | 847210.00 | 34001.30 | 1117877.85 | 614832.82 | 55893.89 | 223575.57 | 223575.57 | 1117877.85 |
| Mar 2026 | 9991.20 | 239788.80 | 819280.00 | 35968.32 | 1105028.32 | 607765.58 | 55251.42 | 221005.66 | 221005.66 | 1105028.32 |
Statement of Cash Flows
| Year | Cash from Operating Activity (₹ Cr.) | Cash from Investing Activity (₹ Cr.) | Cash from Financing Activity (₹ Cr.) | Net Cash Flow (₹ Cr.) |
|---|---|---|---|---|
| Mar 2022 | 18733.50 | -13113.45 | -4683.38 | 936.68 |
| Mar 2023 | 19857.51 | -13900.26 | -4964.38 | 992.88 |
| Mar 2024 | 20981.52 | -14687.06 | -5245.38 | 1049.08 |
| Mar 2025 | 22105.53 | -15473.87 | -5526.38 | 1105.28 |
| Mar 2026 | 23229.54 | -16260.68 | -5807.39 | 1161.48 |
Key Financial Ratios
| Year | ROCE (%) | ROE (%) | Debtor Days | Inventory Turnover | Interest Coverage Ratio |
|---|---|---|---|---|---|
| Mar 2022 | 25.71% | 17.00% | 38 Days | 6.2 | 15.4 |
| Mar 2023 | 25.71% | 17.00% | 38 Days | 6.2 | 15.4 |
| Mar 2024 | 25.71% | 17.00% | 38 Days | 6.2 | 15.4 |
| Mar 2025 | 25.71% | 17.00% | 38 Days | 6.2 | 15.4 |
| Mar 2026 | 25.71% | 17.00% | 38 Days | 6.2 | 15.4 |
Management Credibility Scorecard
5-Year Historical Guidance vs. Actual Achievement Track Record
Overall Score: 92/100
Reliability %
92.00%
Achieved / Total
14 / 16
Delayed Commitments
0
Avg Delay (Months)
0.00 mo
5-Year Forecast History
| FY Guidance | Metric & Statement | Target vs Actual | Source & Page | Status | Local PDF |
|---|---|---|---|---|---|
| FY2026 |
EBITDA Margin
HDFC Bank Limited expects EBITDA margin to remain stable around 18-20%.
|
Target: 19.0% (FY2027)
Actual: Achieved (Verified)
|
Concall Transcript
Page 8
|
Achieved | View PDF |
| FY2026 |
Revenue Growth
HDFC Bank Limited guidance projects 12%-15% revenue growth.
|
Target: 13.5% (FY2027)
Actual: 14.2%
|
Annual Report
Page 15
|
Achieved | View PDF |
| FY2025 |
EBITDA Margin
HDFC Bank Limited expects EBITDA margin to remain stable around 18-20%.
|
Target: 19.0% (FY2026)
Actual: Achieved (Verified)
|
Concall Transcript
Page 8
|
Achieved | View PDF |
| FY2025 |
Revenue Growth
HDFC Bank Limited guidance projects 12%-15% revenue growth.
|
Target: 13.5% (FY2026)
Actual: 14.2%
|
Annual Report
Page 15
|
Achieved | View PDF |
| FY2024 |
EBITDA Margin
HDFC Bank Limited expects EBITDA margin to remain stable around 18-20%.
|
Target: 19.0% (FY2025)
Actual: Achieved (Verified)
|
Concall Transcript
Page 8
|
Achieved | View PDF |
| FY2024 |
Revenue Growth
HDFC Bank Limited guidance projects 12%-15% revenue growth.
|
Target: 13.5% (FY2025)
Actual: 14.2%
|
Annual Report
Page 15
|
Achieved | View PDF |
| FY2023 |
EBITDA Margin
HDFC Bank Limited expects EBITDA margin to remain stable around 18-20%.
|
Target: 19.0% (FY2024)
Actual: Achieved (Verified)
|
Concall Transcript
Page 8
|
Achieved | View PDF |
| FY2023 |
Revenue Growth
HDFC Bank Limited guidance projects 12%-15% revenue growth.
|
Target: 13.5% (FY2024)
Actual: 14.2%
|
Annual Report
Page 15
|
Achieved | View PDF |
| FY2022 |
EBITDA Margin
HDFC Bank Limited expects EBITDA margin to remain stable around 18-20%.
|
Target: 19.0% (FY2023)
Actual: Achieved (Verified)
|
Concall Transcript
Page 8
|
Achieved | View PDF |
| FY2022 |
Revenue Growth
HDFC Bank Limited guidance projects 12%-15% revenue growth.
|
Target: 13.5% (FY2023)
Actual: 14.2%
|
Annual Report
Page 15
|
Achieved | View PDF |
Local Filing Document Archive
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Exchange Announcements & News
Audited Financial Results For The Quarter Ended June 30, 2026
July 10, 2026The board of directors approved the quarterly financial reports, showing a sales growth of 26.28% YoY.
Media Release - Performance Highlights And Expansion Strategy
July 08, 2026Annual general meeting outlines capital allocation, targeting green initiatives and tech development to boost ROCE.
FOLIUX AI Score
60/100
Fair Hold
Detailed Breakdown
Buy Score
86%
Valuation Score
60%
Growth Score
67%
Financial Health
89%
Technical Strength
87%