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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 : 4/10

vs
industry
vs
history
Cash-to-Debt 0.43
HDB's Cash-to-Debt is ranked lower than
72% of the 1617 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.43 vs. HDB: 0.43 )
Ranked among companies with meaningful Cash-to-Debt only.
HDB' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.39  Med: 0.81 Max: 4.49
Current: 0.43
0.39
4.49
Equity-to-Asset 0.10
HDB's Equity-to-Asset is ranked lower than
54% of the 1627 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 0.11 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
Debt-to-Equity 1.12
HDB's Debt-to-Equity is ranked lower than
68% of the 1393 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 0.68 vs. HDB: 1.12 )
Ranked among companies with meaningful Debt-to-Equity only.
HDB' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.19  Med: 0.89 Max: 1.97
Current: 1.12
0.19
1.97
Debt-to-EBITDA 2.05
HDB's Debt-to-EBITDA is ranked lower than
54% of the 1416 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.79 vs. HDB: 2.05 )
Ranked among companies with meaningful Debt-to-EBITDA only.
HDB' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0  Med: 0 Max: 2.05
Current: 2.05
0
2.05
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 : 4/10

vs
industry
vs
history
Net Margin % 31.24
HDB's Net Margin % is ranked higher than
69% of the 1639 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 25.15 vs. HDB: 31.24 )
Ranked among companies with meaningful Net Margin % only.
HDB' s Net Margin % Range Over the Past 10 Years
Min: 14.17  Med: 28.96 Max: 31.44
Current: 31.24
14.17
31.44
ROE % 17.41
HDB's ROE % is ranked higher than
87% of the 1638 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 9.79 vs. HDB: 17.41 )
Ranked among companies with meaningful ROE % only.
HDB' s ROE % Range Over the Past 10 Years
Min: 8.19  Med: 14.44 Max: 17.41
Current: 17.41
8.19
17.41
ROA % 1.82
HDB's ROA % is ranked higher than
84% of the 1645 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.01 vs. HDB: 1.82 )
Ranked among companies with meaningful ROA % only.
HDB' s ROA % Range Over the Past 10 Years
Min: 0.86  Med: 1.62 Max: 1.82
Current: 1.82
0.86
1.82
3-Year Revenue Growth Rate 18.90
HDB's 3-Year Revenue Growth Rate is ranked higher than
90% of the 1513 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 4.30 vs. HDB: 18.90 )
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: 14.4  Med: 19.1 Max: 106.5
Current: 18.9
14.4
106.5
3-Year EPS without NRI Growth Rate 19.00
HDB's 3-Year EPS without NRI Growth Rate is ranked higher than
78% of the 1359 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 5.30 vs. HDB: 19.00 )
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: 23.3 Max: 42.9
Current: 19
7.6
42.9
GuruFocus has detected 3 Warning Signs with HDFC Bank Ltd HDB.
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» HDB's 30-Y Financials

Financials (Next Earnings Date: 2019-04-19)


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

» Details

Guru Trades

Q1 2018

HDB Guru Trades in Q1 2018

Jim Simons 9,400 sh (New)
Barrow, Hanley, Mewhinney & Strauss 1,700 sh (New)
Ron Baron 14,014 sh (+109.98%)
Andreas Halvorsen 663,626 sh (+0.42%)
Pioneer Investments 64,446 sh (+3.95%)
Frank Sands 258,331 sh (+19.20%)
Stanley Druckenmiller Sold Out
Ken Fisher 6,873,207 sh (-13.30%)
Ruane Cunniff 8,464 sh (-6.72%)
Sarah Ketterer 14,016 sh (-66.19%)
Jeremy Grantham 48,732 sh (-68.72%)
» More
Q2 2018

HDB Guru Trades in Q2 2018

Ron Baron 14,765 sh (+5.36%)
Andreas Halvorsen 700,492 sh (+5.56%)
Jeremy Grantham 173,799 sh (+256.64%)
Pioneer Investments 109,959 sh (+70.62%)
Frank Sands 288,031 sh (+11.50%)
Jim Simons 18,500 sh (+96.81%)
Sarah Ketterer 14,016 sh (unchged)
Ruane Cunniff Sold Out
Barrow, Hanley, Mewhinney & Strauss Sold Out
Ken Fisher 4,602,966 sh (-33.03%)
» More
Q3 2018

HDB Guru Trades in Q3 2018

Jim Simons 236,207 sh (+1176.79%)
Andreas Halvorsen 864,744 sh (+23.45%)
Frank Sands 386,656 sh (+34.24%)
Sarah Ketterer 16,818 sh (+19.99%)
Ron Baron 18,255 sh (+23.64%)
Ken Fisher 4,393,118 sh (-4.56%)
Jeremy Grantham 50,632 sh (-70.87%)
Pioneer Investments 76,159 sh (-30.74%)
» More
Q4 2018

HDB Guru Trades in Q4 2018

Ken Fisher 4,422,987 sh (+0.68%)
Jeremy Grantham 129,902 sh (+156.56%)
Frank Sands 461,137 sh (+19.26%)
Ron Baron 19,576 sh (+7.24%)
Sarah Ketterer 16,818 sh (unchged)
Jim Simons Sold Out
Andreas Halvorsen Sold Out
Pioneer Investments 69,902 sh (-8.22%)
» More
» Details

Insider Trades

Latest Guru Trades with NYSE:HDB

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

Guru Date Action
Impact Price Range
(Average)*
Change from Average Comment Current Shares
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Business Description

Industry: Banks » Banks - Regional - Asia  
Compare:SGX:D05, SHSE:600000, HKSE:01658, SHSE:601166, HKSE:02388, TSE:7182, TSE:6178, HKSE:00011, TSE:8411, SHSE:601998, SGX:O39, SHSE:600016, ISX:BBCA, SGX:U11, SAU:1120, SAU:1180, ISX:BMRI, SHSE:600036, NSE:KOTAKBANK, NSE:SBIN » details
Traded in other countries:HDB.Argentina, HDFA.Germany, 500180.India, HDFCB.Luxembourg,
Headquarter Location:India
HDFC Bank Ltd is a banking and financial services company. It offers retail banking, wholesale banking and other banking services such as accounts and 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%).

Ratios

vs
industry
vs
history
PE Ratio 30.10
HDB's PE Ratio is ranked lower than
92% of the 1557 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 12.36 vs. HDB: 30.10 )
Ranked among companies with meaningful PE Ratio only.
HDB' s PE Ratio Range Over the Past 10 Years
Min: 20.14  Med: 26.45 Max: 50.63
Current: 30.1
20.14
50.63
Forward PE Ratio 25.06
HDB's Forward PE Ratio is ranked lower than
97% of the 487 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 11.17 vs. HDB: 25.06 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 30.10
HDB's PE Ratio without NRI is ranked lower than
92% of the 1532 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 12.43 vs. HDB: 30.10 )
Ranked among companies with meaningful PE Ratio without NRI only.
HDB' s PE Ratio without NRI Range Over the Past 10 Years
Min: 20.14  Med: 26.45 Max: 50.63
Current: 30.1
20.14
50.63
PB Ratio 5.14
HDB's PB Ratio is ranked lower than
98% of the 1651 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.11 vs. HDB: 5.14 )
Ranked among companies with meaningful PB Ratio only.
HDB' s PB Ratio Range Over the Past 10 Years
Min: 1.37  Med: 3.74 Max: 5.33
Current: 5.14
1.37
5.33
PS Ratio 9.41
HDB's PS Ratio is ranked lower than
96% of the 1649 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 3.01 vs. HDB: 9.41 )
Ranked among companies with meaningful PS Ratio only.
HDB' s PS Ratio Range Over the Past 10 Years
Min: 3.14  Med: 7.2 Max: 32.06
Current: 9.41
3.14
32.06
EV-to-Revenue 10.91
HDB's EV-to-Revenue is ranked lower than
89% of the 1325 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 3.55 vs. HDB: 10.91 )
Ranked among companies with meaningful EV-to-Revenue only.
HDB' s EV-to-Revenue Range Over the Past 10 Years
Min: 1.9  Med: 7.3 Max: 33.6
Current: 10.91
1.9
33.6
Shiller PE Ratio 58.50
HDB's Shiller PE Ratio is ranked lower than
94% of the 672 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 17.52 vs. HDB: 58.50 )
Ranked among companies with meaningful Shiller PE Ratio only.
HDB' s Shiller PE Ratio Range Over the Past 10 Years
Min: 45.15  Med: 55.69 Max: 68.01
Current: 58.5
45.15
68.01

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.55
HDB's Dividend Yield % is ranked lower than
95% of the 2587 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 2.92 vs. HDB: 0.55 )
Ranked among companies with meaningful Dividend Yield % only.
HDB' s Dividend Yield % Range Over the Past 10 Years
Min: 0.45  Med: 0.68 Max: 1.06
Current: 0.55
0.45
1.06
Dividend Payout Ratio 0.18
HDB's Dividend Payout Ratio is ranked higher than
80% of the 1420 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 0.33 vs. HDB: 0.18 )
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: 0.18
0.14
0.24
3-Year Dividend Growth Rate 17.10
HDB's 3-Year Dividend Growth Rate is ranked higher than
76% of the 880 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 6.00 vs. HDB: 17.10 )
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: 22.4 Max: 31.8
Current: 17.1
0
31.8
Forward Dividend Yield % 0.55
HDB's Forward Dividend Yield % is ranked lower than
96% of the 2534 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 3.16 vs. HDB: 0.55 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.39
HDB's 5-Year Yield-on-Cost % is ranked lower than
81% of the 2561 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 3.65 vs. HDB: 1.39 )
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: 1.14  Med: 1.72 Max: 2.68
Current: 1.39
1.14
2.68
3-Year Average Share Buyback Ratio -1.20
HDB's 3-Year Average Share Buyback Ratio is ranked higher than
56% of the 1137 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: -2.10 vs. HDB: -1.20 )
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: -3.6 Max: -1
Current: -1.2
-12.7
-1

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 5.12
HDB's Price-to-Tangible-Book is ranked lower than
97% of the 1669 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.20 vs. HDB: 5.12 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
HDB' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 2.52  Med: 3.96 Max: 5.14
Current: 5.12
2.52
5.14
Price-to-Intrinsic-Value-Projected-FCF 8.03
HDB's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
99.99% of the 958 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 0.76 vs. HDB: 8.03 )
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: 0  Med: 4.56 Max: 37.41
Current: 8.03
0
37.41
Price-to-Median-PS-Value 1.31
HDB's Price-to-Median-PS-Value is ranked lower than
76% of the 1524 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.02 vs. HDB: 1.31 )
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: 1.06 Max: 5
Current: 1.31
0.53
5
Price-to-Graham-Number 2.62
HDB's Price-to-Graham-Number is ranked lower than
96% of the 1476 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 0.86 vs. HDB: 2.62 )
Ranked among companies with meaningful Price-to-Graham-Number only.
HDB' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 1.48  Med: 2.13 Max: 2.88
Current: 2.62
1.48
2.88

More Statistics

Revenue (TTM) (Mil) $9,038.70
EPS (TTM) $ 3.23
Beta0.58
Volatility24.67%
52-Week Range $85.43 - 112.10
Shares Outstanding (Mil)907.32 (ADR)

Analyst Estimate

Mar19 Mar20 Mar21
Revenue (Mil $) 9,180 11,017 13,116
EBIT (Mil $)
EBITDA (Mil $)
EPS ($) 3.38 4.24 4.88
EPS without NRI ($) 3.38 4.24 4.88
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.68 0.88 0.88

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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