ScoreWhy is HDFC Bank Ltd. ?
1
Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 1.80%
- Healthy long term growth as Net profit has grown by an annual rate of 18.61%
- The Bank has a high Capital Adequacy Ratio of 17.28% signifying high buffers against its risk based assets
2
Positive results in Jun 26
- NII(Q) Highest at Rs 33,533.95 cr
- PBT LESS OI(Q) Highest at Rs 12,286.70 cr.
- INTEREST EARNED(Q) Highest at Rs 79,362.78 cr
3
With ROA of 1.7, it has a Attractive valuation with a 2 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -25.27%, its profits have risen by 9% ; the PEG ratio of the company is 1.8
4
High Institutional Holdings at 83.75%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
5
Below par performance in long term as well as near term
- Along with generating -25.27% returns in the last 1 year, the stock has also underperformed BSE500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- 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, Low Return
Absolute
Risk Adjusted
Volatility
HDFC Bank
-25.27%
-1.20
21.04%
Sensex
-2.32%
-0.17
13.58%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
14.51%
Net Profit Growth (5y)
18.61%
Advance to Deposit
93.16%
Capital Adequacy Ratio (Tier 1)
17.28%
Gross NPA (latest)
1.17%
Gross NPA (avg)
1.27%
Coverage Ratio (avg)
70.29%
Cost to Income (avg)
39.39%
Net Interest Margin (avg)
3.81%
Operating Profit to Assets (avg)
5.12%
ROA (avg)
1.80%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
15
Price to Book Value
1.99
PEG Ratio
1.79
Dividend Yield
1.74%
ROE (Latest)
13.07%
ROA (Latest)
1.72%
Net NPA to Book Value
2.14
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
NII(Q)
Highest at Rs 33,533.95 cr
PBT LESS OI(Q)
Highest at Rs 12,286.70 cr.
INTEREST EARNED(Q)
Highest at Rs 79,362.78 cr
PBDIT(Q)
Highest at Rs 15,346.46 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 19.34%
-2What is not working for the Company
NON-OPERATING INCOME(Q)
is 51.07 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for HDFC Bank
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 12,286.70 cr has Grown at 2908.39%
Year on Year (YoY)MOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Net Interest Income (Quarterly)
Highest at Rs 33,533.95 cr and Grown
each quarter in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 12,286.70 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 79,362.78 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Interest Earned (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 15,346.46 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 19.34%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Here's what is not working for HDFC Bank
Non Operating Income - Quarterly
is 51.07 % 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
CAR - Quarterly
Lowest at 19.57%
in the last five quartersMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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