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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.82
HDB's Cash to Debt is ranked lower than
56% of the 984 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.36 vs. HDB: 0.82 )
Ranked among companies with meaningful Cash to Debt only.
HDB' s 10-Year Cash to Debt Range
Min: 0.44  Med: 1.25 Max: N/A
Current: 0.82
Equity to Asset 0.10
HDB's Equity to Asset is ranked higher than
50% of the 1355 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 0.10 vs. HDB: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
HDB' s 10-Year Equity to Asset Range
Min: 0.07  Med: 0.10 Max: 0.13
Current: 0.1
0.07
0.13
Interest Coverage 0.58
HDB's Interest Coverage is ranked lower than
76% of the 1272 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.60 vs. HDB: 0.58 )
Ranked among companies with meaningful Interest Coverage only.
HDB' s 10-Year Interest Coverage Range
Min: 0.27  Med: 0.49 Max: 0.74
Current: 0.58
0.27
0.74
F-Score: 2
WACC vs ROIC
14.56%
13.80%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 44.47
HDB's Operating margin (%) is ranked higher than
79% of the 1425 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 30.25 vs. HDB: 44.47 )
Ranked among companies with meaningful Operating margin (%) only.
HDB' s 10-Year Operating margin (%) Range
Min: -94.36  Med: 40.49 Max: 48.74
Current: 44.47
-94.36
48.74
Net-margin (%) 30.69
HDB's Net-margin (%) is ranked higher than
74% of the 1425 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 22.01 vs. HDB: 30.69 )
Ranked among companies with meaningful Net-margin (%) only.
HDB' s 10-Year Net-margin (%) Range
Min: 14.18  Med: 27.65 Max: 131.56
Current: 30.69
14.18
131.56
ROE (%) 15.49
HDB's ROE (%) is ranked higher than
82% of the 1427 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 8.44 vs. HDB: 15.49 )
Ranked among companies with meaningful ROE (%) only.
HDB' s 10-Year ROE (%) Range
Min: 8.19  Med: 15.02 Max: 18.28
Current: 15.49
8.19
18.28
ROA (%) 1.63
HDB's ROA (%) is ranked higher than
82% of the 1436 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 0.87 vs. HDB: 1.63 )
Ranked among companies with meaningful ROA (%) only.
HDB' s 10-Year ROA (%) Range
Min: 0.86  Med: 1.39 Max: 1.74
Current: 1.63
0.86
1.74
Revenue Growth (3Y)(%) 19.40
HDB's Revenue Growth (3Y)(%) is ranked higher than
91% of the 1215 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 2.10 vs. HDB: 19.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
HDB' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 18.90 Max: 106.4
Current: 19.4
0
106.4
EBITDA Growth (3Y)(%) 23.80
HDB's EBITDA Growth (3Y)(%) is ranked higher than
83% of the 1072 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 7.60 vs. HDB: 23.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
HDB' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 23.80 Max: 34.2
Current: 23.8
0
34.2
EPS Growth (3Y)(%) 24.30
HDB's EPS Growth (3Y)(%) is ranked higher than
77% of the 1070 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 9.60 vs. HDB: 24.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
HDB' s 10-Year EPS Growth (3Y)(%) Range
Min: 7.5  Med: 25.60 Max: 42.9
Current: 24.3
7.5
42.9
» HDB's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2014

HDB Guru Trades in Q3 2014

Jim Simons 480,800 sh (New)
Stanley Druckenmiller 306,000 sh (New)
Sarah Ketterer 9,816 sh (unchged)
Matthews Pacific Tiger Fund 119,500 sh (unchged)
Caxton Associates Sold Out
Ruane Cunniff 18,166 sh (-0.41%)
Ken Fisher 5,670,624 sh (-1.64%)
RS Investment Management 97,506 sh (-8.62%)
Jeremy Grantham 1,057,330 sh (-20.13%)
John Burbank 14,000 sh (-36.36%)
» More
Q4 2014

HDB Guru Trades in Q4 2014

Stanley Druckenmiller 1,003,600 sh (+227.97%)
John Burbank 40,000 sh (+185.71%)
Ruane Cunniff 18,473 sh (+1.69%)
Matthews Pacific Tiger Fund 119,500 sh (unchged)
RS Investment Management Sold Out
Jim Simons Sold Out
Ken Fisher 5,427,293 sh (-4.29%)
Jeremy Grantham 971,949 sh (-8.08%)
Sarah Ketterer 8,416 sh (-14.26%)
» More
Q1 2015

HDB Guru Trades in Q1 2015

Steve Mandel 2,014,620 sh (New)
Jeremy Grantham 1,504,261 sh (+54.77%)
Ken Fisher 6,236,450 sh (+14.91%)
Sarah Ketterer 8,416 sh (unchged)
Matthews Pacific Tiger Fund 119,500 sh (unchged)
Stanley Druckenmiller 1,003,600 sh (unchged)
John Burbank Sold Out
Ruane Cunniff 18,393 sh (-0.43%)
» More
Q2 2015

HDB Guru Trades in Q2 2015

Jim Simons 39,100 sh (New)
Pioneer Investments 30,359 sh (New)
Sarah Ketterer 20,016 sh (+137.83%)
Ken Fisher 7,219,320 sh (+15.76%)
Ruane Cunniff 18,393 sh (unchged)
Stanley Druckenmiller 1,003,600 sh (unchged)
Steve Mandel 2,014,620 sh (unchged)
Matthews Pacific Tiger Fund 119,500 sh (unchged)
Jeremy Grantham 1,385,798 sh (-7.88%)
» More
» Details

Insider Trades

Latest Guru Trades with HDB

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 26.46
HDB's P/E(ttm) is ranked lower than
87% of the 1293 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 13.10 vs. HDB: 26.46 )
Ranked among companies with meaningful P/E(ttm) only.
HDB' s 10-Year P/E(ttm) Range
Min: 15.06  Med: 30.43 Max: 55.76
Current: 26.46
15.06
55.76
Forward P/E 72.99
HDB's Forward P/E is ranked lower than
93% of the 714 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 11.85 vs. HDB: 72.99 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 27.10
HDB's PE(NRI) is ranked lower than
87% of the 1291 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 13.20 vs. HDB: 27.10 )
Ranked among companies with meaningful PE(NRI) only.
HDB' s 10-Year PE(NRI) Range
Min: 15.08  Med: 30.43 Max: 55.76
Current: 27.1
15.08
55.76
P/B 3.87
HDB's P/B is ranked lower than
98% of the 1370 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.06 vs. HDB: 3.87 )
Ranked among companies with meaningful P/B only.
HDB' s 10-Year P/B Range
Min: 1.63  Med: 3.70 Max: 6.07
Current: 3.87
1.63
6.07
P/S 9.73
HDB's P/S is ranked lower than
95% of the 1409 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 2.86 vs. HDB: 9.73 )
Ranked among companies with meaningful P/S only.
HDB' s 10-Year P/S Range
Min: 4.4  Med: 7.77 Max: 45.88
Current: 9.73
4.4
45.88
PFCF 31.05
HDB's PFCF is ranked lower than
89% of the 863 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 10.51 vs. HDB: 31.05 )
Ranked among companies with meaningful PFCF only.
HDB' s 10-Year PFCF Range
Min: 3.15  Med: 31.36 Max: 920.81
Current: 31.05
3.15
920.81
POCF 29.72
HDB's POCF is ranked lower than
93% of the 956 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 9.00 vs. HDB: 29.72 )
Ranked among companies with meaningful POCF only.
HDB' s 10-Year POCF Range
Min: 3.13  Med: 30.04 Max: 259.5
Current: 29.72
3.13
259.5
EV-to-EBIT 6.66
HDB's EV-to-EBIT is ranked higher than
84% of the 1284 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 13.41 vs. HDB: 6.66 )
Ranked among companies with meaningful EV-to-EBIT only.
HDB' s 10-Year EV-to-EBIT Range
Min: 4.3  Med: 21.05 Max: 160.9
Current: 6.66
4.3
160.9
PEG 1.09
HDB's PEG is ranked lower than
54% of the 619 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.00 vs. HDB: 1.09 )
Ranked among companies with meaningful PEG only.
HDB' s 10-Year PEG Range
Min: 0.23  Med: 0.79 Max: 3.03
Current: 1.09
0.23
3.03
Shiller P/E 41.18
HDB's Shiller P/E is ranked lower than
91% of the 786 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 15.81 vs. HDB: 41.18 )
Ranked among companies with meaningful Shiller P/E only.
HDB' s 10-Year Shiller P/E Range
Min: 29.19  Med: 45.37 Max: 70.35
Current: 41.18
29.19
70.35
Days Sales Outstanding 55.99
HDB's Days Sales Outstanding is ranked lower than
66% of the 795 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 34.20 vs. HDB: 55.99 )
Ranked among companies with meaningful Days Sales Outstanding only.
HDB' s 10-Year Days Sales Outstanding Range
Min: 15.27  Med: 56.21 Max: 518.17
Current: 55.99
15.27
518.17

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.66
HDB's Dividend Yield is ranked lower than
92% of the 2258 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 2.76 vs. HDB: 0.66 )
Ranked among companies with meaningful Dividend Yield only.
HDB' s 10-Year Dividend Yield Range
Min: 0.4  Med: 0.65 Max: 1.06
Current: 0.66
0.4
1.06
Dividend Payout 0.16
HDB's Dividend Payout is ranked higher than
83% of the 1330 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 0.33 vs. HDB: 0.16 )
Ranked among companies with meaningful Dividend Payout only.
HDB' s 10-Year Dividend Payout Range
Min: 0.64  Med: 0.79 Max: 7.17
Current: 0.16
0.64
7.17
Dividend growth (3y) 27.60
HDB's Dividend growth (3y) is ranked higher than
83% of the 674 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 7.40 vs. HDB: 27.60 )
Ranked among companies with meaningful Dividend growth (3y) only.
HDB' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 23.00 Max: 31.8
Current: 27.6
0
31.8
Yield on cost (5-Year) 2.36
HDB's Yield on cost (5-Year) is ranked lower than
55% of the 2253 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 3.23 vs. HDB: 2.36 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
HDB' s 10-Year Yield on cost (5-Year) Range
Min: 1.43  Med: 2.32 Max: 3.79
Current: 2.36
1.43
3.79
Share Buyback Rate -1.30
HDB's Share Buyback Rate is ranked higher than
55% of the 1013 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: -1.90 vs. HDB: -1.30 )
Ranked among companies with meaningful Share Buyback Rate only.
HDB' s 10-Year Share Buyback Rate Range
Min: -0.9  Med: -4.20 Max: -11.2
Current: -1.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 4.50
HDB's Price/Tangible Book is ranked lower than
98% of the 1347 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.13 vs. HDB: 4.50 )
Ranked among companies with meaningful Price/Tangible Book only.
HDB' s 10-Year Price/Tangible Book Range
Min: 2.51  Med: 3.99 Max: 4.99
Current: 4.5
2.51
4.99
Price/Projected FCF 3.82
HDB's Price/Projected FCF is ranked lower than
96% of the 805 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 0.65 vs. HDB: 3.82 )
Ranked among companies with meaningful Price/Projected FCF only.
HDB' s 10-Year Price/Projected FCF Range
Min: 2.32  Med: 3.59 Max: 16.77
Current: 3.82
2.32
16.77
Price/Median PS Value 1.00
HDB's Price/Median PS Value is ranked lower than
58% of the 1310 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.04 vs. HDB: 1.00 )
Ranked among companies with meaningful Price/Median PS Value only.
HDB' s 10-Year Price/Median PS Value Range
Min: 0.69  Med: 1.02 Max: 4.63
Current: 1
0.69
4.63
Price/Peter Lynch Fair Value 2.06
HDB's Price/Peter Lynch Fair Value is ranked lower than
65% of the 371 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 0.91 vs. HDB: 2.06 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
HDB' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.8  Med: 1.36 Max: 2.6
Current: 2.06
0.8
2.6
Price/Graham Number 2.35
HDB's Price/Graham Number is ranked lower than
97% of the 1181 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 0.82 vs. HDB: 2.35 )
Ranked among companies with meaningful Price/Graham Number only.
HDB' s 10-Year Price/Graham Number Range
Min: 1.47  Med: 2.16 Max: 2.91
Current: 2.35
1.47
2.91
Earnings Yield (Greenblatt) (%) 15.03
HDB's Earnings Yield (Greenblatt) (%) is ranked higher than
85% of the 1408 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 6.80 vs. HDB: 15.03 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
HDB' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.6  Med: 4.75 Max: 23.4
Current: 15.03
0.6
23.4
Forward Rate of Return (Yacktman) (%) 24.08
HDB's Forward Rate of Return (Yacktman) (%) is ranked higher than
68% of the 792 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 14.82 vs. HDB: 24.08 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
HDB' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 0.9  Med: 40.05 Max: 95
Current: 24.08
0.9
95

Analyst Estimate

Mar16 Mar17
Revenue(Mil) 6,377 7,637
EPS($) 1.49 1.84
EPS without NRI($) 1.49 1.84

Business Description

Industry: Banks » Banks - Regional - Asia
Compare:IDCBY, CICHY, BACHY, BHKLY, CMAKY » details
Traded in other countries:HDB.Argentina, 148624.Netherlands, 500180.India, HDFCBANK.India, HDFA.Germany,
HDFC Bank Ltd provides banking and financial services. The Company operates in four business segments: Treasury, Retail Banking, Wholesale banking, and Other banking business. The treasury segment consists of net interest earnings from the Bank's investment portfolio, money market borrowing and lending, gains or losses on investment operations and on account of trading in foreign exchange and derivative contracts. The retail banking segment serves retail customers through a branch network and other delivery channels. This segment raises deposits from customers and provides loans and other services to customers with the help of specialist product groups. The wholesale banking segment provides loans, non-fund facilities and transaction services to corporates, emerging corporates, public sector units, government bodies, financial institutions and medium scale enterprises. The other banking segment includes income from para banking activities such as credit cards, debit cards, third party product distribution, primary dealership business and the associated costs.
» More Articles for HDB

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