ScoreWhy is HDFC Bank Ltd. ?
1
Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 1.74%
- Healthy long term growth as Net profit has grown by an annual rate of 20.06%
- The Bank has a high Capital Adequacy Ratio of 17.65% signifying high buffers against its risk based assets
2
Positive results in Sep 25
- OPERATING CF(Y) Highest at Rs 145,177.30 Cr
- DPS(Y) Highest at Rs 22.00
- DPR(Y) Highest at 25.00%
3
High Institutional Holdings at 84.65%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
4
Company is among the highest 1% of companies rated by MarketsMojo across all 4,000 stocks
- It is ranked 2 across all Large Cap and 22 across the entire market
5
With its market cap of Rs 15,34,021 cr, it is the biggest company in the sector and constitutes 39.91% of the entire sector
- Its annual Sales of Rs 307,627.89 are 33.02% of the industry
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to HDFC Bank should be less than 10%
- Overall Portfolio exposure to Private Sector Bank should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Private Sector Bank)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is HDFC Bank for you?
Low Risk, Medium Return
Absolute
Risk Adjusted
Volatility
HDFC Bank
7.44%
0.47
15.70%
Sensex
4.44%
0.38
11.83%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
17.23%
Net Profit Growth (5y)
20.06%
Advance to Deposit
95.76%
Capital Adequacy Ratio (Tier 1)
17.65%
Gross NPA (latest)
1.24%
Gross NPA (avg)
1.30%
Coverage Ratio (avg)
71.04%
Cost to Income (avg)
38.81%
Net Interest Margin (avg)
4.02%
Operating Profit to Assets (avg)
5.41%
ROA (avg)
1.74%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
22
Price to Book Value
2.96
PEG Ratio
3.03
Dividend Yield
1.35%
ROE (Latest)
13.73%
ROA (Latest)
1.78%
Net NPA to Book Value
2.21
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
OPERATING CF(Y)
Highest at Rs 145,177.30 Cr
DPS(Y)
Highest at Rs 22.00
DPR(Y)
Highest at 25.00%
GROSS NPA(Q)
Lowest at 1.24%
PAT(Q)
Highest at Rs 18,641.28 cr.
EPS(Q)
Highest at Rs 12.13
-2What is not working for the Company
CASH AND CASH EQUIVALENTS(HY)
Lowest at Rs 133,187.66 cr
NON-OPERATING INCOME(Q)
is 58.76 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for HDFC Bank
Operating Cash Flow - Annually
Highest at Rs 145,177.30 Cr and Grown
each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (Rs Cr)
Gross NPA - Quarterly
Lowest at 1.24%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Dividend per Share (DPS) - Annually
Highest at Rs 22.00 and Grown
each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (Rs)
Dividend Payout Ratio (DPR) - Annually
Highest at 25.00% and Grown
each year in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Profit After Tax (PAT) - Quarterly
Highest at Rs 18,641.28 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 12.13
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Here's what is not working for HDFC Bank
Non Operating Income - Quarterly
is 58.76 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
Cash and Cash Equivalents - Half Yearly
Lowest at Rs 133,187.66 cr
in the last six half yearly periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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