HDFC Bank (FRA:HDFA) Moat Score: 0/10 (As of Jul. 06, 2026)


FRA:HDFA HDFC Bank Ltd FRA:HDFA
14 GF Score
Price €22.80
GF Value €26.66
Valuation Modestly Undervalued
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What is HDFC Bank Moat Score?

HDFC Bank has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

HDFC Bank has Wide Moat: HDFC Bank Ltd has a dominant market position in India with strong brand recognition and customer loyalty. It benefits from significant regulatory barriers, economies of scale, and pricing power. The bank's durable competitive advantages and innovation capabilities contribute to its robust wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes HDFC Bank might have No Moat - No discernible moat.

HDFC Bank  (FRA:HDFA) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

HDFC Bank Moat Score Related Terms

FRA:HDFA
14GF Score
HDFC Bank Ltd FRA:HDFA
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is HDFC Bank (FRA:HDFA) Overvalued in 2026?

Based on GuruFocus' analysis, HDFC Bank stock appears to be undervalued. The current stock price of €22.80 is trading 14.5% below its estimated GF Value™ of €26.66. GuruFocus considers HDFC Bank to be Modestly Undervalued.

Key valuation signals for FRA:HDFA:

  • Moat Score: 0
  • GF Value™: €26.66 vs. price of €22.80 (14.5% below fair value)
  • GF Score™: 14/100

No single metric tells the full story. See the FRA:HDFA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

HDFC Bank Business Description

Address Senapati Bapat Marg, HDFC Bank House, Lower Parel (West), Mumbai, MH, IND, 400013
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.
14GF Score

Get the complete analysis for FRA:HDFA

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€22.80
Price
€26.66
GF Value