Company Overview
HDFC Bank Limited provides banking and financial products and services to individuals and businesses in India, Bahrain, Hong Kong, Singapore, and Dubai. The company operates through Treasury, Retail Banking, Wholesale Banking, Other Banking Business, Insurance Business, and Other segments. It offers savings, salary, current, rural, public provident fund, pension, and demat accounts; fixed and recurring deposits; and safe deposit lockers, as well as offshore accounts and deposits, and overdrafts against fixed deposits. The company also provides personal, home, car and pre owned car, marriage, two-wheeler, business, doctor, educational, gold, consumer, and rural loans; loans against properties, securities, mutual funds, and car; loans for professionals; government sponsored programs; and loans on credit card, as well as working capital, term loans, supply chain management, project finance, export finance, commercial vehicle / equipment finance, tractor finance, infrastructure, and agriculture finance. In addition, it offers credit, debit, prepaid, forex, and kisan gold cards; payment and collection, export, import, remittance, bank guarantee, letter of credit, trade, hedging, and merchant and cash management services; and insurance and investment products. Further, the company provides short term finance, bill discounting, structured finance, export credit, loan repayment, custodial, and documents collection services; online, mobile, and phone banking services; unified payment interface, immediate payment, national electronic funds transfer, and real time gross settlement services; channel financing, vendor financing, money market, derivatives, employee trusts, cash surplus corporates, tax payment, and bankers to rights/public issue services; and financial solutions for supply chain partners and agricultural customers. It operates branches and automated teller machines in various cities/towns. The company was incorporated in 1994 and is headquartered in Mumbai, India.
Why Investors Should Care
Net profit has compounded at 12.5% per year over the last five years.
Revenue has grown at a 16.9% CAGR over the past five years.
Trades at an undemanding P/E of 15.7.
Maintains a net profit margin of 26.8%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Mar 2026 Revenue of $1.93T (+4.7% YoY); net profit $704.79B.
- Trailing 12 Months Year-on-year growth — revenue +16.6%, earnings +18.1%.
- 5-Year Trend Long-term compounding — revenue CAGR 16.9%, profit CAGR 12.5%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 16.90% |
| 1 Year: | 16.60% |
Compounded Profit Growth
| 5 Years: | 12.47% |
| 1 Year: | 18.10% |
Stock Price Performance
| 1 Year: | -39.24% |
| 6 Months: | -24.36% |
| 3 Months: | -2.30% |
| 1 Month: | -4.87% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMABelow
- RSI (14)37.98 · Neutral
P/E of 15.72 is above the sector median of 12.89 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 26.8%.
- Compounding revenue at 16.9% over 5 years.
- Profit CAGR of 12.5% over 5 years.
- Generates positive free cash flow.
CONS
- Trading 40.4% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | HDB HDFC Bank Limited FINANCIAL | 22.48 | 15.72 | $115.52B | 1.80% | - | 13.84% | 16.90% | 12.47% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 353.51 | 15.15 | $939.70B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 505.83 | 12.72 | $712.23B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 368.64 | 31.35 | $628.20B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 570.89 | 31.44 | $496.37B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.39 | 14.41 | $436.28B | 2.04% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 757,791.00 | 12.71 | $370.14B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 106.26 | 15.18 | $363.70B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 216.24 | 17.48 | $339.62B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|
| Revenue | 652.80B | 953.06B | 853.46B |
| Cost of Revenue | - | - | - |
| Gross Profit | - | - | - |
| Operating Expenses | - | - | - |
| Operating Income | - | - | - |
| EBITDA | - | - | - |
| Interest Expense | 469.14B | 454.40B | 477.09B |
| Pretax Income | 239.73B | 154.86B | 208.50B |
| Tax Provision | 56.33B | 9.88B | 37.59B |
| Net Income | 176.57B | 153.93B | 162.58B |
| Diluted EPS | 34.50 | 36.78 | 31.68 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | - | 1.21T | 1.60T | 1.84T | 1.93T |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | - | 775.54B | 1.53T | 1.82T | 1.86T |
| Pretax Income | - | 662.38B | 705.46B | 861.55B | 939.03B |
| Tax Provision | - | 166.12B | 77.83B | 175.01B | 211.93B |
| Net Income | - | 495.45B | 622.66B | 673.51B | 704.79B |
| Diluted EPS | 104.07 | 133.02 | 132.48 | 134.46 | - |
Balance Sheet (Annual)
Figures in USD.
| Metric | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| Total Assets | 25.76T | 44.12T | 48.19T | 52.62T |
| Current Assets | - | - | - | - |
| Cash & Equivalents | 2.36T | 3.43T | 3.22T | 3.65T |
| Inventory | - | - | - | - |
| Receivables | 194.53B | 249.94B | 323.23B | 330.25B |
| Total Liabilities | 22.84T | 36.23T | 39.56T | 43.46T |
| Current Liabilities | - | - | - | - |
| Long Term Debt | 1.96T | 6.65T | 5.87T | 5.12T |
| Total Debt | 3.15T | 8.09T | 7.33T | 6.64T |
| Total Equity | 2.91T | 6.95T | 7.68T | 8.17T |
| Shares Outstanding | 11.16B | 15.19B | 15.30B | 15.39B |
Cash Flows (Annual)
Figures in USD.
| Metric | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| Operating Cash Flow | 477.20B | 1.02T | 1.20T | 1.12T |
| Investing Cash Flow | -4.39T | -3.67T | -3.72T | -3.58T |
| Financing Cash Flow | 4.17T | 3.35T | 2.42T | 2.97T |
| Capital Expenditure | -43.62B | -53.84B | -66.40B | -52.78B |
| Free Cash Flow | 433.58B | 968.48B | 1.13T | 1.07T |
| Net Change in Cash | 258.33B | 697.10B | -101.09B | 513.81B |
Ratios (Annual)
Figures in %.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - |
| Net Margin % | - | 41.1% | 38.8% | 36.6% | 36.6% |
| ROE % | - | 17.0% | 9.0% | 8.8% | 8.6% |
| ROCE % | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Morgan Stanley | 1.04% | 53.27M | $1.23B |
| 2 | Royal Bank of Canada | 0.84% | 43.20M | $1.00B |
| 3 | Schroder Investment Management Group | 0.42% | 21.79M | $504.72M |
| 4 | JPMORGAN CHASE & CO | 0.37% | 19.10M | $442.24M |
| 5 | Bank of America Corporation | 0.34% | 17.25M | $399.55M |
| 6 | FIL LTD | 0.33% | 16.78M | $388.56M |
| 7 | Temasek Holdings (Private) Ltd | 0.30% | 15.31M | $354.47M |
| 8 | Robeco Institutional Asset Management B.V. | 0.29% | 14.69M | $340.30M |
| 9 | Fisher Asset Management, LLC | 0.23% | 11.67M | $270.28M |
| 10 | Lazard Asset Management LLC | 0.22% | 11.42M | $264.47M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for HDB
BNPQY or HDB: Which Is the Better Value Stock Right Now? - finance.yahoo.com
<a href="https://news.google.com/rss/articles/CBMimAFBVV95cUxQUnpYOVBzSmI1Yk9aUjFIMGJ1ZmlhV3o0NG9GVm9CSHF1c3p1NnRDRDFmdjV3Wmo1RnVTS1pkcl9HTFZhZDBXS3FabVZJRVVXWURQLTJTLUFRSzhqcEFjZ0VHYU0zVDZYaFZhUlJTZ2pLaGxGYmtEUlFxZmVXN204d29CTXJWb2tnek83Vk…
HDFC BANK LIMITED (HDB) SHAREHOLDER ALERT Bernstein - GlobeNewswire
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A Look at HDFC Bank Ltd (HDB) After 3.0% Decline -- GF Value $30 - gurufocus.com
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HDFC Bank (NYSE: HDB) sets fresh terms for staff stock awards - Stock Titan
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HDFC Bank Ltd Stock (HDB) Closed Down by 3.02% on Sep 8: A Full Analysis - TradingKey
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Formuepleje A S Sells 143,162 Shares of HDFC Bank Limited $HDB - marketbeat.com
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HDB — Frequently Asked Questions
What is the current share price of HDFC Bank Limited (HDB)?
As of 2026-09-19 21:16 PDT, HDFC Bank Limited (HDB) trades at $22.48 on NYSE. Its 52-week range is $22.46 to $37.72.
What is the market capitalisation of HDB?
HDFC Bank Limited (HDB) has a market capitalisation of $115.52B on NYSE.
What is the P/E ratio of HDB?
HDB trades at a trailing price-to-earnings (P/E) ratio of 15.72. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 9.32.
Does HDB pay a dividend?
HDFC Bank Limited (HDB) currently offers a dividend yield of 1.80%.
What is the return on equity (ROE) of HDB?
HDB has a return on equity (ROE) of 13.84%.
Is HDB a good stock to buy?
This page provides a data-driven analysis of HDFC Bank Limited (HDB), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.