Net Interest Margin (Bank Only) % is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).
GuruFocus calculates Net Interest Margin (Bank Only) % as Net Interest Income (for Banks) divided by its average earning assets. HDFC Bank's annualizedNet Interest Income (for Banks) for the quarter that ended in Mar. 2025 was MXN335,611 Mil. HDFC Bank's average earning assets for the quarter that ended in Mar. 2025 was MXN8,928,015 Mil. Therefore, HDFC Bank's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2025 was 3.76%.
HDFC Bank (MEX:HDBN) Net Interest Margin (Bank Only) % Explanation
The negative value of Net Interest Margin (Bank Only) % mean the firm pays more interest for its debt than the interest revenue generated from its investment.
HDFC Bank Net Interest Margin (Bank Only) % Related Terms
HDFC Bank Net Interest Margin (Bank Only) % Historical Data
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The historical data trend for HDFC Bank's Net Interest Margin (Bank Only) % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
MEX:HDBN vs PNC: Net Interest Margin (Bank Only) % Comparison
For the Banks - Regional subindustry, HDFC Bank's Net Interest Margin (Bank Only) %, along with its competitors' market caps and Net Interest Margin (Bank Only) % 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 Net Interest Margin (Bank Only) % vs Banks Industry
For the Banks industry and Financial Services sector, HDFC Bank's Net Interest Margin (Bank Only) % distribution charts can be found below:
* The bar in red indicates where HDFC Bank's Net Interest Margin (Bank Only) % falls into.
HDFC Bank Net Interest Margin (Bank Only) % Calculation
Net Interest Margin (Bank Only) % (NIM) is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).
HDFC Bank's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Mar. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Net Interest Margin (Bank Only) %, the Net Interest Income (for Banks) of the last fiscal year and the average earning assets over the fiscal year are used. In calculating the quarterly data,
the Net Interest Income (for Banks) data used here is two times the semi-annual (Mar. 2025) net interest income data.
Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.
What does a Net Interest Margin (Bank Only) % of 3.76% mean?
HDFC Bank (MEX:HDBN) has a Net Interest Margin (Bank Only) % of 3.76% as of Mar. 2025. Net interest margin is the ratio of a bank's net interest income to its average two-period earning assets. View historical data on HDFC Bank and its competitors.
Is HDFC Bank's Net Interest Margin (Bank Only) % too high?
HDFC Bank's current Net Interest Margin (Bank Only) % is 3.76%. Overall, HDFC Bank has a GF Score™ of 66/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does HDFC Bank's Net Interest Margin (Bank Only) % compare to PNC?
HDFC Bank's Net Interest Margin (Bank Only) % of 3.76% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Interest Margin (Bank Only) % for a Banks company?
A good Net Interest Margin (Bank Only) % depends on the Banks industry context. However, Net Interest Margin (Bank Only) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Interest Margin (Bank Only) % mean?
A high Net Interest Margin (Bank Only) % can signal that a stock is expensive relative to its fundamentals. Net interest margin is the ratio of a bank's net interest income to its average two-period earning assets. View historical data on HDFC Bank and its competitors. HDFC Bank's current Net Interest Margin (Bank Only) % is 3.76%. 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 (MEX:HDBN) is currently considered Modestly Undervalued. The stock's GF Value™ is MXN501.84, compared to a current price of MXN410.00 — trading 18.3% below its estimated fair value. The current Net Interest Margin (Bank Only) % is 3.76%. HDFC Bank's overall GF Score™ is 66/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Interest Margin (Bank Only) % calculated?
Net Interest Margin (Bank Only) % is calculated from a company's financial statements. For HDFC Bank (MEX:HDBN), the current Net Interest Margin (Bank Only) % is 3.76% as of Mar. 2025. 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 (MEX:HDBN) Overvalued in 2026?
Based on GuruFocus' analysis, HDFC Bank stock appears to be undervalued.
The current stock price of MXN410.00 is trading 18.3% below its estimated GF Value™ of MXN501.84.
GuruFocus considers HDFC Bank to be Modestly Undervalued.
Key valuation signals for MEX:HDBN:
Net Interest Margin (Bank Only) %: 3.76%
GF Value™: MXN501.84 vs. price of MXN410.00 (18.3% below fair value)
No single metric tells the full story. See the MEX:HDBN 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.
66GF Score
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Net Interest Margin (Bank Only) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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