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Also traded in: Argentina, Germany, India, Luxembourg

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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.50
HDB's Cash-to-Debt is ranked lower than
75% of the 1659 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 2.10 vs. HDB: 0.50 )
Ranked among companies with meaningful Cash-to-Debt only.
HDB' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.44  Med: 1.14 Max: N/A
Current: 0.5
Equity-to-Asset 0.10
HDB's Equity-to-Asset is ranked lower than
52% of the 1628 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 Equity-to-Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.1 Max: 0.13
Current: 0.1
0.07
0.13
Interest Coverage 0.66
HDB's Interest Coverage is ranked lower than
76% of the 1586 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.72 vs. HDB: 0.66 )
Ranked among companies with meaningful Interest Coverage only.
HDB' s Interest Coverage Range Over the Past 10 Years
Min: 0.27  Med: 0.49 Max: 0.67
Current: 0.66
0.27
0.67
WACC vs ROIC
11.70%
13.57%
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 % 52.19
HDB's Operating Margin % is ranked higher than
84% of the 1666 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 31.66 vs. HDB: 52.19 )
Ranked among companies with meaningful Operating Margin % only.
HDB' s Operating Margin % Range Over the Past 10 Years
Min: 21.54  Med: 40.99 Max: 52.19
Current: 52.19
21.54
52.19
Net Margin % 30.41
HDB's Net Margin % is ranked higher than
71% of the 1667 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 22.77 vs. HDB: 30.41 )
Ranked among companies with meaningful Net Margin % only.
HDB' s Net Margin % Range Over the Past 10 Years
Min: 14.18  Med: 27.18 Max: 31.4
Current: 30.41
14.18
31.4
ROE % 16.95
HDB's ROE % is ranked higher than
86% of the 1667 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 8.51 vs. HDB: 16.95 )
Ranked among companies with meaningful ROE % only.
HDB' s ROE % Range Over the Past 10 Years
Min: 8.19  Med: 14.28 Max: 18.28
Current: 16.95
8.19
18.28
ROA % 1.81
HDB's ROA % is ranked higher than
83% of the 1672 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 0.91 vs. HDB: 1.81 )
Ranked among companies with meaningful ROA % only.
HDB' s ROA % Range Over the Past 10 Years
Min: 0.86  Med: 1.54 Max: 1.81
Current: 1.81
0.86
1.81
3-Year Revenue Growth Rate 18.00
HDB's 3-Year Revenue Growth Rate is ranked higher than
89% of the 1400 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 4.30 vs. HDB: 18.00 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
HDB' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 14.1  Med: 19.7 Max: 106.5
Current: 18
14.1
106.5
3-Year EBITDA Growth Rate 21.50
HDB's 3-Year EBITDA Growth Rate is ranked higher than
82% of the 1310 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 6.60 vs. HDB: 21.50 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
HDB' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 6  Med: 25.55 Max: 34.2
Current: 21.5
6
34.2
3-Year EPS without NRI Growth Rate 21.40
HDB's 3-Year EPS without NRI Growth Rate is ranked higher than
80% of the 1268 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 7.30 vs. HDB: 21.40 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
HDB' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 7.6  Med: 24.3 Max: 42.9
Current: 21.4
7.6
42.9
GuruFocus has detected 4 Warning Signs with HDFC Bank Ltd $HDB.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» HDB's 30-Y Financials

Financials (Next Earnings Date: 2017-10-25 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

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Business Description

Industry: Banks » Banks - Regional - Asia  
Compare:OTCPK:CIHKY, OTCPK:BHKLY, NYSE:MFG, OTCPK:CMAKY, OTCPK:HSNGY, OTCPK:DBSDY, OTCPK:PBCRY, OTCPK:OVCHY, NYSE:IBN, OTCPK:BKRKY, OTCPK:UOVEY, OTCPK:PPERY, NYSE:SHG, NYSE:KB, OTCPK:SMUUY, OTCPK:KPCPY, OTCPK:SUTNY, OTCPK:BKEAY, OTCPK:BDOUY, NYSE:WF » details
Traded in other countries:HDB.Argentina, HDFA.Germany, 500180.India, 148624.Luxembourg,
Headquarter Location:India
HDFC Bank Ltd provides banking and financial services. The Company offers retail banking, wholesale banking and other banking services such as accounts & deposits, loans, insurance, forex and among others.

With close to INR 8 trillion in assets and more than 4,500 branches, HDFC Bank is one of India's largest non-government-owned banks. The bank's retail and wholesale segments service India's middle- and upper-income individuals and businesses. More than 60% of the bank's loans are to retail clients, within which working capital loans and vehicle financing are the most prominent (accounting for 73% of the retail book), followed by personal loans (16%) and housing loans (11%).

Top Ranked Articles about HDFC Bank Ltd

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Ratios

vs
industry
vs
history
PE Ratio 29.89
HDB's PE Ratio is ranked lower than
89% of the 1552 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 14.61 vs. HDB: 29.89 )
Ranked among companies with meaningful PE Ratio only.
HDB' s PE Ratio Range Over the Past 10 Years
Min: 19.48  Med: 26.43 Max: 50.58
Current: 29.89
19.48
50.58
Forward PE Ratio 23.42
HDB's Forward PE Ratio is ranked lower than
93% of the 384 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 15.67 vs. HDB: 23.42 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 29.89
HDB's PE Ratio without NRI is ranked lower than
89% of the 1551 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 14.65 vs. HDB: 29.89 )
Ranked among companies with meaningful PE Ratio without NRI only.
HDB' s PE Ratio without NRI Range Over the Past 10 Years
Min: 19.48  Med: 26.43 Max: 50.54
Current: 29.89
19.48
50.54
PB Ratio 4.84
HDB's PB Ratio is ranked lower than
98% of the 1629 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.19 vs. HDB: 4.84 )
Ranked among companies with meaningful PB Ratio only.
HDB' s PB Ratio Range Over the Past 10 Years
Min: 1.37  Med: 3.7 Max: 6.07
Current: 4.84
1.37
6.07
PS Ratio 9.91
HDB's PS Ratio is ranked lower than
94% of the 1612 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 3.37 vs. HDB: 9.91 )
Ranked among companies with meaningful PS Ratio only.
HDB' s PS Ratio Range Over the Past 10 Years
Min: 3.15  Med: 7.2 Max: 36.69
Current: 9.91
3.15
36.69
EV-to-EBIT 17.73
HDB's EV-to-EBIT is ranked lower than
67% of the 1272 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 12.20 vs. HDB: 17.73 )
Ranked among companies with meaningful EV-to-EBIT only.
HDB' s EV-to-EBIT Range Over the Past 10 Years
Min: 4.3  Med: 18.2 Max: 160.9
Current: 17.73
4.3
160.9
EV-to-EBITDA 17.73
HDB's EV-to-EBITDA is ranked lower than
72% of the 1277 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 10.93 vs. HDB: 17.73 )
Ranked among companies with meaningful EV-to-EBITDA only.
HDB' s EV-to-EBITDA Range Over the Past 10 Years
Min: 4.3  Med: 18.2 Max: 160.9
Current: 17.73
4.3
160.9
PEG Ratio 1.58
HDB's PEG Ratio is ranked lower than
55% of the 853 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.41 vs. HDB: 1.58 )
Ranked among companies with meaningful PEG Ratio only.
HDB' s PEG Ratio Range Over the Past 10 Years
Min: 0.22  Med: 0.74 Max: 3.02
Current: 1.58
0.22
3.02
Shiller PE Ratio 66.05
HDB's Shiller PE Ratio is ranked lower than
94% of the 510 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 20.16 vs. HDB: 66.05 )
Ranked among companies with meaningful Shiller PE Ratio only.
HDB' s Shiller PE Ratio Range Over the Past 10 Years
Min: 44.6  Med: 54.16 Max: 67.66
Current: 66.05
44.6
67.66

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.48
HDB's Dividend Yield % is ranked lower than
95% of the 2337 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 2.66 vs. HDB: 0.48 )
Ranked among companies with meaningful Dividend Yield % only.
HDB' s Dividend Yield % Range Over the Past 10 Years
Min: 0.4  Med: 0.68 Max: 1.06
Current: 0.48
0.4
1.06
Dividend Payout Ratio 0.19
HDB's Dividend Payout Ratio is ranked higher than
78% of the 1342 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 0.32 vs. HDB: 0.19 )
Ranked among companies with meaningful Dividend Payout Ratio only.
HDB' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.14  Med: 0.17 Max: 0.24
Current: 0.19
0.14
0.24
3-Year Dividend Growth Rate 23.00
HDB's 3-Year Dividend Growth Rate is ranked higher than
81% of the 805 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 6.60 vs. HDB: 23.00 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
HDB' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 23 Max: 31.8
Current: 23
0
31.8
Forward Dividend Yield % 0.59
HDB's Forward Dividend Yield % is ranked lower than
96% of the 2234 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 2.88 vs. HDB: 0.59 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.60
HDB's 5-Year Yield-on-Cost % is ranked lower than
77% of the 2672 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 3.41 vs. HDB: 1.60 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
HDB' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.34  Med: 2.27 Max: 3.54
Current: 1.6
1.34
3.54
3-Year Average Share Buyback Ratio -2.00
HDB's 3-Year Average Share Buyback Ratio is ranked lower than
51% of the 1086 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: -1.80 vs. HDB: -2.00 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
HDB' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -12.7  Med: -4.1 Max: -1
Current: -2
-12.7
-1

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 4.84
HDB's Price-to-Tangible-Book is ranked lower than
97% of the 1621 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.27 vs. HDB: 4.84 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
HDB' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 2.51  Med: 3.92 Max: 4.99
Current: 4.84
2.51
4.99
Price-to-Intrinsic-Value-Projected-FCF 6.48
HDB's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
98% of the 916 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 0.78 vs. HDB: 6.48 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
HDB' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 2.02  Med: 4.56 Max: 37.4
Current: 6.48
2.02
37.4
Price-to-Intrinsic-Value-DCF (Earnings Based) 1.05
HDB's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked lower than
61% of the 145 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 0.87 vs. HDB: 1.05 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
N/A
Price-to-Median-PS-Value 1.38
HDB's Price-to-Median-PS-Value is ranked lower than
72% of the 1561 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.13 vs. HDB: 1.38 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
HDB' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.53  Med: 1.03 Max: 5
Current: 1.38
0.53
5
Price-to-Peter-Lynch-Fair-Value 1.55
HDB's Price-to-Peter-Lynch-Fair-Value is ranked lower than
63% of the 464 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.15 vs. HDB: 1.55 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
HDB' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.8  Med: 1.06 Max: 2.6
Current: 1.55
0.8
2.6
Price-to-Graham-Number 2.54
HDB's Price-to-Graham-Number is ranked lower than
96% of the 1460 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 0.94 vs. HDB: 2.54 )
Ranked among companies with meaningful Price-to-Graham-Number only.
HDB' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 1.47  Med: 2.1 Max: 2.92
Current: 2.54
1.47
2.92
Earnings Yield (Greenblatt) % 5.64
HDB's Earnings Yield (Greenblatt) % is ranked lower than
51% of the 1671 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 5.85 vs. HDB: 5.64 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
HDB' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.6  Med: 5.5 Max: 23.2
Current: 5.64
0.6
23.2
Forward Rate of Return (Yacktman) % 21.82
HDB's Forward Rate of Return (Yacktman) % is ranked higher than
73% of the 955 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 11.14 vs. HDB: 21.82 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
HDB' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 0.9  Med: 33.3 Max: 95
Current: 21.82
0.9
95

More Statistics

Revenue (TTM) (Mil) $7,256.51
EPS (TTM) $ 2.57
Beta0.74
Short Percentage of Float0.00%
52-Week Range $59.00 - 89.84
Shares Outstanding (Mil)848.54 (ADR)

Analyst Estimate

Mar18
Revenue (Mil $)
EPS ($) 3.34
EPS without NRI ($) 3.34
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)
» More Articles for HDB

Headlines

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Include HDFC Bank in Your Long-Term Portfolio Mar 20 2017 
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Ken Fisher's Top Buys in Q2 2015 Jul 28 2015 
Ken Fisher's most weighted buys in Q2 2015 Jul 28 2015 
Stanley Druckenmiller's Recent Trades Feb 13 2015 
HDFC Bank has More Upside Potential Jan 20 2015 
Weekly 52-Week Highs Highlight: HNP, HDB, MMC, EW Aug 31 2014 

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