HDFC Bank Financials

HDB Stock  USD 63.20  0.17  0.27%   
Based on the analysis of HDFC Bank's profitability, liquidity, and operating efficiency, HDFC Bank Limited is doing better financially today then in previous quarter. It has a moderate probability of reporting better financial numbers in December. At present, HDFC Bank's Total Assets are projected to increase significantly based on the last few years of reporting. The current year's Total Stockholder Equity is expected to grow to about 4.8 T, whereas Total Liabilities is forecasted to decline to about 6.3 T. Key indicators impacting HDFC Bank's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.360.2524
Significantly Up
Slightly volatile
Return On Assets0.01110.0159
Way Down
Slightly volatile
Return On Equity0.110.1404
Significantly Down
Pretty Stable
Debt Equity Ratio1.181.6008
Way Down
Very volatile
Operating Income804 B765.7 B
Sufficiently Up
Slightly volatile
Current Ratio10.079.5934
Sufficiently Up
Slightly volatile
The financial analysis of HDFC Bank is a critical element in measuring its lifeblood. Investors should not minimize HDFC Bank's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

672.65 Billion

  
Understanding current and past HDFC Bank Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of HDFC Bank's financial statements are interrelated, with each one affecting the others. For example, an increase in HDFC Bank's assets may result in an increase in income on the income statement.
Please note, the presentation of HDFC Bank's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, HDFC Bank's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of HDFC Bank's management manipulating its earnings.

HDFC Bank Stock Summary

HDFC Bank competes with US Bancorp, Banco Santander, Shinhan Financial, First Bancorp, and US Bancorp. HDFC Bank Limited provides banking and financial services to individuals and businesses in India, Bahrain, Hong Kong, and Dubai. The company was incorporated in 1994 and is based in Mumbai, India. Hdfc Bank operates under BanksRegional classification in the United States and is traded on New York Stock Exchange. It employs 161027 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS40415F1012
CUSIP40415F101
LocationIndia
Business AddressHDFC Bank House,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.hdfcbank.com
Phone91 22 6652 1000
CurrencyUSD - US Dollar

HDFC Bank Key Financial Ratios

HDFC Bank Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets16.0T18.0T21.1T25.8T40.3T42.3T
Other Liab546.9B776.5B685.8B777.4B894.0B938.7B
Retained Earnings713.3B897.9B1.2T1.4T2.9T3.1T
Accounts Payable259.3B346.0B365.7B437.3B502.9B528.0B
Cash726.7B1.0T1.6T2.4T2.3T2.4T
Other Assets7.5T7.9T10.2T12.9T14.9T15.6T
Long Term Debt1.0T1.8T1.6T2.6T7.3T7.7T
Total Liab14.1T15.8T18.6T22.8T7.3T6.3T
Common Stock5.5B5.5B5.5B5.6B7.6B4.7B
Other Current Liab(636.7B)(585.3B)(919.8B)(1.5T)(1.4T)(1.3T)
Net Debt742.8B443.1B587.4B878.1B5.0T5.3T
Net Receivables405.5B204.4B230.5B330.8B380.4B399.4B
Total Current Assets4.5T5.5T6.2T7.6T2.3T2.1T
Short Term Debt377.4B239.3B554.2B1.1T1.3T1.3T
Other Current Assets7.5T7.9T10.2T1.3T1.5T1.4T
Net Tangible Assets1.8T2.1T2.5T2.9T3.3T3.5T
Short Long Term Debt377.4B239.3B554.2B1.1T1.3T1.3T
Long Term Debt Total1.0T1.2T1.6T2.6T3.0T3.1T
Capital Surpluse765.9B794.2B834.6B665.4B765.2B674.5B
Earning Assets3.2T3.0T4.0T4.6T5.3T3.3T

HDFC Bank Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense618.5B592.3B584.3B775.5B1.5T1.6T
Total Revenue791.7B936.7B1.0T1.2T2.5T2.7T
Gross Profit791.7B936.7B1.0T1.2T2.3T2.4T
Operating Income365.7B439.8B518.6B661.6B765.7B804.0B
Cost Of Revenue31.5B35.8B36.2B250.2B287.7B302.1B
Income Before Tax365.8B439.8B519.2B662.4B765.7B804.0B
Net Income260.3B326.0B386.0B495.4B640.6B672.7B
Income Tax Expense105.5B113.8B132.6B166.1B111.2B116.8B
Ebit365.7B439.8B518.6B661.6B(44.8B)(42.5B)
Ebitda378.6B453.7B535.4B685.1B(13.8B)(13.2B)
Minority Interest5.8B6.3B(602.6M)(817.5M)(13.8B)(13.2B)
Tax Provision105.5B109.4B132.6B153.5B111.2B113.4B
Net Interest Income593.5B693.0B748.8B914.0B1.3T666.1B
Interest Income1.2T1.3T1.3T1.7T2.8T3.0T

HDFC Bank Key Cash Accounts

201920202021202220232024 (projected)
Capital Expenditures16.4B17.0B26.3B43.6B42.9B45.0B
Net Income381.5B427.7B386.6B496.3B751.8B789.4B
End Period Cash Flow879.4B1.2T1.1T1.4T2.3T2.4T
Change In Cash61.2B333.3B191.3B265.4B316.9B332.7B
Free Cash Flow(185.0B)407.8B554.7B433.6B147.8B127.1B
Depreciation12.8B13.9B16.8B23.5B30.9B32.5B
Other Non Cash Items37.2B82.1B114.7B87.6B141.2B148.2B
Dividends Paid66.3B166.6M36.2B86.4B84.0B88.2B
Change To Inventory(1.8T)(1.5T)21.3B(47.1B)(42.4B)(44.5B)
Investments(2.2T)(16.8B)(3.3T)(4.4T)53.1B55.8B
Net Borrowings291.0B(91.4B)489.7B289.3B332.7B178.1B
Change To Netincome153.6B193.8B162.1B150.1B172.6B97.4B

HDFC Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining HDFC Bank's current stock value. Our valuation model uses many indicators to compare HDFC Bank value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across HDFC Bank competition to find correlations between indicators driving HDFC Bank's intrinsic value. More Info.
HDFC Bank Limited is rated below average in return on equity category among its peers. It is rated # 3 in return on asset category among its peers reporting about  0.15  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for HDFC Bank Limited is roughly  6.74 . At present, HDFC Bank's Return On Equity is projected to slightly decrease based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the HDFC Bank's earnings, one of the primary drivers of an investment's value.

HDFC Bank Limited Systematic Risk

HDFC Bank's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. HDFC Bank volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
Incorrect Input. Please change your parameters or increase the time horizon required for running this function. The output start index for this execution was zero with a total number of output elements of zero. The Beta measures systematic risk based on how returns on HDFC Bank Limited correlated with the market. If Beta is less than 0 HDFC Bank generally moves in the opposite direction as compared to the market. If HDFC Bank Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one HDFC Bank Limited is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of HDFC Bank is generally in the same direction as the market. If Beta > 1 HDFC Bank moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in HDFC Bank Stock are looking for potential investment opportunities by analyzing not only static indicators but also various HDFC Bank's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of HDFC Bank growth as a starting point in their analysis.

Price Earnings To Growth Ratio

11.53

At present, HDFC Bank's Price Earnings To Growth Ratio is projected to slightly grow based on the last few years of reporting.

HDFC Bank November 1, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of HDFC Bank help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of HDFC Bank Limited. We use our internally-developed statistical techniques to arrive at the intrinsic value of HDFC Bank Limited based on widely used predictive technical indicators. In general, we focus on analyzing HDFC Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build HDFC Bank's daily price indicators and compare them against related drivers.

Complementary Tools for HDFC Stock analysis

When running HDFC Bank's price analysis, check to measure HDFC Bank's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy HDFC Bank is operating at the current time. Most of HDFC Bank's value examination focuses on studying past and present price action to predict the probability of HDFC Bank's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move HDFC Bank's price. Additionally, you may evaluate how the addition of HDFC Bank to your portfolios can decrease your overall portfolio volatility.
Money Managers
Screen money managers from public funds and ETFs managed around the world
Portfolio Dashboard
Portfolio dashboard that provides centralized access to all your investments
Transaction History
View history of all your transactions and understand their impact on performance
Sectors
List of equity sectors categorizing publicly traded companies based on their primary business activities