ScoreWhy is HDFC Bank Ltd. ?
1
Flat results in Dec 25
- CASH AND CASH EQUIVALENTS(HY) Lowest at Rs 127,574.84 cr
- NON-OPERATING INCOME(Q) is 54.63 % of Profit Before Tax (PBT)
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Private Sector Bank)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is HDFC Bank for you?
Low Risk, Medium Return
Absolute
Risk Adjusted
Volatility
HDFC Bank
11.65%
0.72
15.02%
Sensex
7.68%
0.65
11.23%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
16.90%
Net Profit Growth (5y)
19.60%
Advance to Deposit
96.30%
Capital Adequacy Ratio (Tier 1)
17.29%
Gross NPA (latest)
1.24%
Gross NPA (avg)
1.28%
Coverage Ratio (avg)
70.61%
Cost to Income (avg)
39.05%
Net Interest Margin (avg)
3.95%
Operating Profit to Assets (avg)
5.30%
ROA (avg)
1.76%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
20
Price to Book Value
2.67
PEG Ratio
2.04
Dividend Yield
1.44%
ROE (Latest)
13.58%
ROA (Latest)
1.79%
Net NPA to Book Value
2.23
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Bearish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
PAT(Q)
Highest at Rs 18,653.75 cr.
GROSS NPA(Q)
Lowest at 1.24%
NII(Q)
Highest at Rs 32,615.00 cr
CREDIT DEPOSIT RATIO(HY)
Highest at 98.65%
NET NPA(Q)
Lowest at 0.42%
-4What is not working for the Company
CASH AND CASH EQUIVALENTS(HY)
Lowest at Rs 127,574.84 cr
NON-OPERATING INCOME(Q)
is 54.63 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for HDFC Bank
Profit After Tax (PAT) - Quarterly
Highest at Rs 18,653.75 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PAT trend is very positive
PAT (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 (%)
Net Interest Income (Quarterly)
Highest at Rs 32,615.00 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Net NPA - Quarterly
Lowest at 0.42%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Credit Deposit Ratio - Half Yearly
Highest at 98.65%
in the last four periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for HDFC Bank
Non Operating Income - Quarterly
is 54.63 % 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 127,574.84 cr
in the last six half yearly periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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