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HDFC BankHDB +2.12%60 3-Year EPS without NRI Growth Rate is 1.00% as of Jun. 2026, which is 95% below its 10-year median of 20.80. GuruFocus rates HDB with a GF Score™ of 60/100 and a GF Value™ of $27.19 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,401 Banks companies, HDFC Bank ranks worse than 69.95% on this metric.
During the past 12 months, HDFC Bank's average EPS without NRI Growth Rate was 2.10% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 1.00% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 8.80% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 16.10% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of HDFC Bank was 42.60% per year. The lowest was 1.00% per year. And the median was 20.80% per year.
HDFC Bank (NYSE:HDB) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
HDFC Bank 3-Year EPS without NRI Growth Rate Related Terms
HDB vs USB: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Regional subindustry, HDFC Bank's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
HDFC Bank 3-Year EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, HDFC Bank's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where HDFC Bank's 3-Year EPS without NRI Growth Rate falls into.
HDFC Bank 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 1.00% mean?
HDFC Bank (HDB) has a 3-Year EPS without NRI Growth Rate of 1.00% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for HDFC Bank and its competitors. This is 95% below median its historical median of 20.80. Over the past decade, HDFC Bank's 3-Year EPS without NRI Growth Rate has ranged from 1.00 to 42.60. According to the industry distribution chart, HDFC Bank ranks #980 out of 1401 companies in the Banks industry, placing it in the top 70%.
Is HDFC Bank's 3-Year EPS without NRI Growth Rate too high?
HDFC Bank's current 3-Year EPS without NRI Growth Rate of 1.00% is 95% below median its 10-year median of 20.80. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 42.60. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.60. HDFC Bank's value of 1.00% is 86.8% below this industry median. Based on the distribution chart, HDFC Bank ranks #980 out of 1401 companies in the Banks industry, which is below the industry midpoint. Overall, HDFC Bank has a GF Score™ of 60/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does HDFC Bank's 3-Year EPS without NRI Growth Rate compare to USB?
According to the Banks industry distribution chart, HDFC Bank ranks #980 out of 1401 companies for 3-Year EPS without NRI Growth Rate. This places HDFC Bank in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.60. HDFC Bank's value of 1.00% is 86.8% below this benchmark. Historically, HDFC Bank's own 3-Year EPS without NRI Growth Rate has ranged from 1.00 to 42.60 over the past decade. While the company's 10-year median is 20.80 vs. the industry median of 7.60, HDFC Bank has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.60, based on 1,401 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. HDFC Bank's current 3-Year EPS without NRI Growth Rate of 1.00% is 86.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for HDFC Bank and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HDFC Bank's current 3-Year EPS without NRI Growth Rate is 1.00%, which is 95% below median its own 10-year median of 20.80. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is HDFC Bank stock overvalued right now?
Based on GuruFocus' analysis, HDFC Bank (HDB) is currently considered Modestly Undervalued. The stock's GF Value™ is $27.19, compared to a current price of $23.65 — trading 13% below its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 1.00%, which is 95% below median its 10-year median of 20.80 and 86.8% below the Banks industry median of 7.60. HDFC Bank's overall GF Score™ is 60/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For HDFC Bank (HDB), the current 3-Year EPS without NRI Growth Rate is 1.00% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is HDFC Bank (HDB) Overvalued in 2026?
Based on GuruFocus' analysis, HDFC Bank stock appears to be undervalued.
The current stock price of $23.65 is trading 13% below its estimated GF Value™ of $27.19.
GuruFocus considers HDFC Bank to be Modestly Undervalued.
Key valuation signals for HDB:
3-Year EPS without NRI Growth Rate: 1.00% (95% below median its 10-year median of 20.80)
GF Value™: $27.19 vs. price of $23.65 (13% below fair value)
Industry Position: 86.8% below the Banks median (#980 of 1401)
No single metric tells the full story. See the HDB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
HDFC Bank Ltd is an Indian bank. It operates in the following segments: Treasury, Retail banking, Wholesale banking, and Other banking business. The maximum revenue for the company is generated from its Retail banking segment, which serves retail customers through its branch network and other channels. This segment raises customer deposits and provides loans and other services to customers using different product groups. Its other operations include providing wholesale banking services to corporates, government entities, and other enterprises, generating income from its treasury operations, and performing para-banking activities such as offering credit cards, debit cards, etc. Geographically, the company generates a majority of its revenue from its operations in India.
60GF Score
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3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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