High Scoring Large Cap stocks have outperformed low scoring stocks by 90% over last 4 years
Balance Sheet: Strong Balance Sheet.
Profitability: Recent profitability of 15% is a good sign.
Size: It is among the top 200 market size companies of india.
Smart Money: Smart money has been increasing their position in the stock.
Technicals: Bullish SharesGuru indicator.
Past Returns: Underperforming stock! In past three years, the stock has provided -2.1% return compared to 10.7% by NIFTY 50.
Dilution: Company has a tendency to dilute it's stock investors.
Valuation | |
|---|---|
| Market Cap | 12.23 LCr |
| Price/Earnings (Trailing) | 20.79 |
| Price/Sales (Trailing) | 2.45 |
| EV/EBITDA | 4.27 |
| Price/Free Cashflow | 11.98 |
| MarketCap/EBT | 12.37 |
| Enterprise Value | 12.23 LCr |
Fundamentals | |
|---|---|
| Revenue (TTM) | 4.99 LCr |
| Rev. Growth (Yr) | 13.1% |
| Earnings (TTM) | 76.23 kCr |
| Earnings Growth (Yr) | 12.8% |
Profitability | |
|---|---|
| Operating Margin | 25% |
| EBT Margin | 20% |
| Return on Equity | 1.69% |
| Return on Assets | 1.69% |
| Free Cashflow Yield | 8.35% |
Growth & Returns | |
|---|---|
| Price Change 1W | 3.1% |
| Price Change 1M | -2.7% |
| Price Change 6M | -18.8% |
| Price Change 1Y | -12% |
| 3Y Cumulative Return | -2.1% |
| 5Y Cumulative Return | 2.6% |
| 7Y Cumulative Return | 4.8% |
| 10Y Cumulative Return | 11.4% |
Cash Flow & Liquidity | |
|---|---|
| Cash Flow from Investing (TTM) | -3.85 kCr |
| Cash Flow from Operations (TTM) | 1.27 LCr |
| Cash Flow from Financing (TTM) | -1.02 LCr |
| Free Cash Flow (TTM) | 1.27 LCr |
| Free Cash Flow/Share (TTM) | 82.97 |
Balance Sheet | |
|---|---|
| Total Assets | 45.15 LCr |
| Shareholder Equity | 45.15 LCr |
Capital Structure & Leverage | |
|---|---|
| Debt Ratio | 0.00 |
| Debt/Equity | 0.00 |
| Interest Coverage | -0.47 |
| Interest/Cashflow Ops | 1.68 |
Dividend & Shareholder Returns | |
|---|---|
| Dividend/Share (TTM) | 13.5 |
| Dividend Yield | 1.44% |
| Shares Dilution (1Y) | 0.60% |
| Shares Dilution (3Y) | 37.9% |
Balance Sheet: Strong Balance Sheet.
Profitability: Recent profitability of 15% is a good sign.
Size: It is among the top 200 market size companies of india.
Smart Money: Smart money has been increasing their position in the stock.
Technicals: Bullish SharesGuru indicator.
Past Returns: Underperforming stock! In past three years, the stock has provided -2.1% return compared to 10.7% by NIFTY 50.
Dilution: Company has a tendency to dilute it's stock investors.
Investor Care | |
|---|---|
| Dividend Yield | 1.44% |
| Dividend/Share (TTM) | 13.5 |
| Shares Dilution (1Y) | 0.60% |
Financial Health | |
|---|---|
| Debt/Equity | 0.00 |
Technical Indicators | |
|---|---|
| RSI (14d) | 44.27 |
| RSI (5d) | 80.87 |
| RSI (21d) | 44.03 |
| MACD Signal | Buy |
| Stochastic Oscillator Signal | Hold |
| SharesGuru Signal | Buy |
| RSI Signal | Hold |
| RSI5 Signal | Sell |
| RSI21 Signal | Hold |
| SMA 5 Signal | Buy |
| SMA 10 Signal | Buy |
| SMA 20 Signal | Buy |
| SMA 50 Signal | Sell |
| SMA 100 Signal | Sell |
Summary of HDFC Bank's latest earnings call, featuring management's outlook on business performance, financial results, and analyst Q&A sessions that highlight key strategic initiatives and market challenges.
During the earnings call on March 19, 2026, management provided a reassuring outlook for HDFC Bank, emphasizing organizational stability and growth potential despite the recent resignation of the Part-Time Chairman, Atanu Chakraborty. Keki Mistry, the Interim Part-Time Chairman, asserted that there are no material operational or governance issues affecting the bank, and he highlighted the ongoing commitment to strong governance standards.
Key forward-looking points made by management include:
Appointment of Interim Chairman: The Reserve Bank of India (RBI) approved Keki Mistry's interim role as Chairman for a period of three months, demonstrating regulatory support and confidence in the bank's governance.
Operational Continuity: Mistry emphasized that the recent developments do not impact the bank's operational performance or its plans for growth. The management expressed full confidence that the bank would continue its growth trajectory in the coming quarters, leveraging its merger success.
Focus on Ethics and Governance: The management reaffirmed its commitment to high ethical standards, stating that the governance framework remains robust and proactive in risk management and compliance, which aligns with the bank's long-term values.
Strategic Growth Initiatives: Sashidhar Jagdishan, the CEO, conveyed that the bank is positioned well within a strong economy and is relying on technology as a differentiator in achieving growth. He anticipates that the benefits from the merger will increasingly manifest in operational performance.
Management Cohesion: Management conveyed a united front, indicating ongoing camaraderie among the board and executive team that would ensure stable leadership and strategic execution.
Future Planning: The process for appointing a new full-time chairman and independent director will be carefully considered in due course, with consultations involving relevant regulators.
These points underscore management's commitment to maintaining operational excellence and stakeholder trust while navigating through recent changes.
Question: "Firstly, maybe you indicated that at least there are no material matters that the bank is aware of or no specific happenings or operational issue. But maybe for such a strong wording in the resignation letter, what do you think would have actually triggered that maybe that it is mentioned that it is not in congruence with his personal values and maybe ethics?"
Answer: We are unaware of the specific issues mentioned in Mr. Chakraborty's resignation letter. He did not provide concrete explanations to the board when asked. However, the nomination and remuneration committee will evaluate Sashi's reappointment as MD and CEO in due time, and we anticipate no changes to this process.
Question: "If you can just tell us what happened within that timeline of the resignation and your appointment as interim Chairman?"
Answer: Following Mr. Chakraborty's resignation, our board met, and some directors quickly approached the RBI to discuss the situation. The RBI approved my appointment as interim Chairman shortly thereafter, which speaks to the urgency and efficiency of our response.
Question: "Was the issue with Mr. Chakraborty there for a long period of time?"
Answer: Minor differences in opinions may arise occasionally, but there was nothing substantive or material. Our board functions cohesively, and no significant discord has been minuted in recent meetings. The approval from the RBI reflects confidence in bank operations.
Question: "How are the regulators looking at this incident? Can you give clarity on that matter?"
Answer: My colleagues met with the RBI, who expressed support by approving my interim position as Chairman swiftly. The regulatory oversight over our operations and governance has remained robust, and we are continuously in compliance with their expectations.
Question: "Since it is too early to make decisions, will you be seeking answers from Mr. Chakraborty regarding his resignation?"
Answer: We fully intend to pursue clarity on Mr. Chakraborty's reasons for resigning. The board will convene soon and discuss how to address any potential discrepancies or relationship matters identified during that discussion.
Question: "What is the timeline for appointing a new Chairman and Independent Director?"
Answer: It is premature to discuss timelines since Mr. Chakraborty's resignation just occurred. The board will take the necessary time to determine the appropriate candidates, ensuring consultation with regulators like the RBI and SEBI throughout the process.
Question: "Will this incident impact operational performance and growth projections?"
Answer: Absolutely not. The bank's operational profitability and growth plans are unaffected by these developments. We remain committed to our strategies and believe our strong governance will ensure continued success.
Question: "Given the strong wording from the resignation, can you reassure investors about the bank's integrity?"
Answer: I want to emphasize our unwavering commitment to governance and ethics. The bank has robust systems in place, and we operate with the highest standards of corporate governance. We believe our performance will confirm our dedication to these values in the coming periods.
Analysis of HDFC Bank's financial performance, highlighting revenue trends, growth patterns, and key metrics through quarterly analysis.
Last Updated: Dec 31, 2025
| Description | Share | Value |
|---|---|---|
| Retail Banking | 41.5% | 76.3 kCr |
| Wholesale Banking | 23.3% | 42.8 kCr |
| Insurance Business | 17.2% | 31.7 kCr |
| Treasury | 9.9% | 18.1 kCr |
| Other Banking Business | 5.2% | 9.5 kCr |
| Others | 2.9% | 5.2 kCr |
| Total | 1.8 LCr |
Understand HDFC Bank ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.
| Shareholder Name | Holding % |
|---|---|
| SBI NIFTY 50 ETF | 7.45% |
| LIFE INSURANCE CORPORATION OF INDIA | 4.67% |
| ICICI PRUDENTIAL LARGE CAP FUND | 4.28% |
| HDFC TRUSTEE COMPANY LIMITED-HDFC FLEXI CAP FUND | 2.98% |
| NPS TRUST- A/C HDFC PENSION FUND MANAGEMENT LIMITED SCHEME E - TIER I | 2.77% |
| NIPPON LIFE INDIA TRUSTEE LTD-A/C NIPPON INDIA ETF NIFTY 50 BEES | 2.5% |
| GOVERNMENT OF SINGAPORE | 2.39% |
| UTI NIFTY 50 ETF | 2.33% |
| GOVERNMENT PENSION FUND GLOBAL | 1.33% |
| KOTAK ARBITRAGE FUND | 1.3% |
| VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND | 1.24% |
| VANGUARD EMERGING MARKETS STOCK INDEX FUND, A SERIES OF VANGUARD INTERNATIONAL EQUITY INDEX FUNDS | 1.17% |
| FII | 0.01% |
| Foreign Banks | 0% |
Distribution across major stakeholders
Distribution across major institutional holders
Detailed comparison of HDFC Bank against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.
Ticker | Name | Mkt Cap | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
|---|---|---|---|---|---|---|---|---|---|
| SBIN | State Bank Of India | 9.8 LCr | 7.08 LCr | +1.40% | +40.90% | 9.3 | 1.38 | - | - |
| ICICIBANK | ICICI Bank | 9.65 LCr | 3.07 LCr | +7.60% | +2.90% | 18.66 | 3.14 | - | - |
| AXISBANK | AXIS Bank | 4.2 LCr | 1.59 LCr | +13.00% | +26.60% | 12.21 | 2.54 | - | - |
| KOTAKBANK | Kotak Mahindra Bank | 3.7 LCr | 1.07 LCr | +1.40% | -11.90% | 19.39 | 3.47 | - | - |
| INDUSINDBK | IndusInd Bank | 64.04 kCr | 52.1 kCr | +0.90% | +19.20% | 26.32 | 1.23 | - | - |
Comprehensive comparison against sector averages
HDFCBANK metrics compared to Banks
| Category | HDFCBANK | Banks |
|---|---|---|
| PE | 20.79 | 17.04 |
| PS | 2.5 | 2.4 |
| Growth | 5 % | 3.9 % |
HDFC Bank is a prominent Private Sector Bank based in India, with the stock ticker symbol HDFCBANK. As of now, the bank boasts a substantial market cap of Rs. 1,469,777.7 Crores.
The bank specializes in providing a comprehensive range of banking and financial services to both individuals and businesses across India and several international locations, including Bahrain, Hong Kong, Singapore, and Dubai. HDFC Bank operates in multiple segments, namely Treasury, Retail Banking, Wholesale Banking, and Other Banking Services.
HDFC Bank offers a variety of accounts such as:
In addition to account services, it provides:
The bank also facilitates a wide array of financial services including:
HDFC Bank reported a trailing 12-month revenue of Rs. 475,038.5 Crores and has generated a profit of Rs. 70,976.4 Crores in the past four quarters. It has demonstrated impressive revenue growth of 188.5% over the last three years. The bank also has a dividend yield of 2.16% per year, distributing Rs. 38.5 dividend per share to its investors. Notably, there has been a dilution of shareholdings by 38% over the past three years.
With branches and ATMs across various cities and towns, HDFC Bank remains a significant player in the Indian banking sector since its incorporation in 1994. Its headquarters are located in Mumbai, India.
This is an informational page just to provide a quick 'first look' at the stock. You must do your own deeper research. Know your risk appetite. Consult a SEBI-registered financial advisor before making any investment decisions.
HDFCBANK vs Banks (2021 - 2026)