HDFC Bank Valuation
| HDB Stock | USD 32.86 0.35 1.05% |
At this time, the firm appears to be undervalued. HDFC Bank Limited retains a regular Real Value of $38.34 per share. The prevalent price of the firm is $32.86. Our model calculates the value of HDFC Bank Limited from inspecting the firm fundamentals such as Return On Equity of 0.14, return on asset of 0.0175, and Operating Margin of 0.35 % as well as reviewing its technical indicators and probability of bankruptcy. Key fundamental drivers impacting HDFC Bank's valuation include:
Undervalued
Today
Please note that HDFC Bank's price fluctuation is very steady at this time. Calculation of the real value of HDFC Bank Limited is based on 3 months time horizon. Increasing HDFC Bank's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since HDFC Bank is currently traded on the exchange, buyers and sellers on that exchange determine the market value of HDFC Stock. However, HDFC Bank's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 32.86 | Real 38.34 | Target 42.95 | Hype 32.89 |
The real value of HDFC Stock, also known as its intrinsic value, is the underlying worth of HDFC Bank Limited Company, which is reflected in its stock price. It is based on HDFC Bank's financial performance, growth prospects, management team, or industry conditions. The intrinsic value of HDFC Bank's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, or news.
Estimating the potential upside or downside of HDFC Bank Limited helps investors to forecast how HDFC stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of HDFC Bank more accurately as focusing exclusively on HDFC Bank's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use HDFC Bank's intrinsic value based on its ongoing forecasts of HDFC Bank's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against HDFC Bank's closest peers. If more than one evaluation category is relevant for HDFC Bank we suggest using both methods to arrive at a better estimate.
HDFC Bank Cash |
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HDFC Bank Total Value Analysis
HDFC Bank Limited is currently forecasted to have company total value of 5.61 T with market capitalization of 170.35 B, debt of 7.46 T, and cash on hands of 1.05 T. Please note that company total value may be misleading and is a subject to accounting gimmicks. We encourage investors to carefully check all of the HDFC Bank fundamentals before making security assessment based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
5.61 T | 170.35 B | 7.46 T | 1.05 T |
HDFC Bank Investor Information
About 14.0% of the company shares are owned by institutional investors. The book value of HDFC Bank was currently reported as 4.05. The company has Price/Earnings To Growth (PEG) ratio of 0.97. HDFC Bank Limited last dividend was issued on the 11th of August 2025. The entity had 2:1 split on the 8th of September 2025. HDFC Bank Limited may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 0.19 | 0.21 |
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| Operating Income | 1 T | 990.8 B |
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HDFC Bank Asset Utilization
The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. HDFC Bank has an asset utilization ratio of 8.71 percent. This suggests that the Company is making $0.0871 for each dollar of assets. An increasing asset utilization means that HDFC Bank Limited is more efficient with each dollar of assets it utilizes for everyday operations.HDFC Bank Profitability Analysis
Taking into consideration HDFC Bank's profitability measurements, HDFC Bank Limited may not be well positioned to generate adequate gross income at this time. It has a very high probability of underperforming in March. Profitability indicators assess HDFC Bank's ability to earn profits and add value for shareholders.Net Income | First Reported 2000-03-31 | Previous Quarter 199.4 B | Current Value 199.7 B | Quarterly Volatility 56.2 B |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Gross Profit Margin | 0.4 | 0.55 |
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| Net Profit Margin | 0.14 | 0.1503 |
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| Operating Profit Margin | 0.19 | 0.21 |
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| Pretax Profit Margin | 0.19 | 0.18 |
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| Return On Assets | 0.0114 | 0.0145 |
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| Return On Equity | 0.11 | 0.12 |
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For HDFC Bank profitability analysis, we use financial ratios and fundamental drivers that measure the ability of HDFC Bank Limited to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well HDFC Bank utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between HDFC Bank's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of HDFC Bank over time as well as its relative position and ranking within its peers.
HDFC Bank Earnings per Share Projection vs Actual
The next projected EPS of HDFC Bank is estimated to be 0.39 with future projections ranging from a low of 0.3955 to a high of 0.3955. HDFC Bank's most recent 12-month trailing earnings per share (EPS TTM) is at 1.48. Please be aware that the consensus of earnings estimates for HDFC Bank Limited is based on EPS before non-recurring items and includes expenses related to employee stock options.HDFC Bank Earnings Estimation Breakdown
The calculation of HDFC Bank's earning per share is based on the data from the past 12 consecutive months, used for reporting the company's financial figures. The next projected EPS of HDFC Bank is estimated to be 0.39 with the future projection ranging from a low of 0.3955 to a high of 0.3955. Please be aware that this consensus of annual earnings estimates for HDFC Bank Limited is based on EPS before non-recurring items and includes expenses related to employee stock options.Last Reported EPS
0.40 Lowest | Expected EPS | 0.40 Highest |
HDFC Bank Earnings Projection Consensus
Suppose the current estimates of HDFC Bank's value are higher than the current market price of the HDFC Bank stock. In this case, investors may conclude that HDFC Bank is overpriced and will exhibit bullish sentiment. On the other hand, if the present value is lower than the stock price, analysts may conclude that the market undervalues the equity. These scenarios may suggest that the market is not as efficient as it should be at the estimation time, and HDFC Bank's stock will quickly adjusts to the new information provided by the consensus estimate.
| Number of Analysts | Historical Accuracy | Last Reported EPS | Estimated EPS for 31st of March 2026 | Current EPS (TTM) | |
| 4 | 77.24% | 0.4 | 0.39 | 1.48 |
HDFC Bank Ownership Allocation
HDFC Bank Limited has a total of 5.13 Billion outstanding shares. Roughly 86.13 (percent) of HDFC Bank outstanding shares are held by general public with 0.02 % owned by insiders and only 13.85 pct. by outside corporations. Please note that on October 22, 2025, Representative Lisa McClain of US Congress acquired under $15k worth of HDFC Bank Limited's common stock.HDFC Bank Profitability Analysis
The company reported the last year's revenue of 4.19 T. Total Income to common stockholders was 686.53 B with profit before taxes, overhead, and interest of 2.85 T.HDFC Bank Past Distributions to stockholders
Please note that valuation analysis is one of the essential comprehensive assessments in business. It evaluates HDFC Bank's worth, which you can determine by considering its current assets, liabilities and future cash flows. The investors' valuation analysis is an important metric that will give you a perspective on different companies. It helps you know the worth of the potential investment in HDFC Bank and how it compares across the competition.
About HDFC Bank Valuation
The stock valuation mechanism determines HDFC Bank's current worth on a weekly basis. Our valuation model uses a comparative analysis of HDFC Bank. We calculate exposure to HDFC Bank's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of HDFC Bank's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 2.5 T | 2.6 T | |
| Pretax Profit Margin | 0.18 | 0.19 | |
| Operating Profit Margin | 0.21 | 0.19 | |
| Net Profit Margin | 0.15 | 0.14 | |
| Gross Profit Margin | 0.55 | 0.40 |
HDFC Bank Quarterly Retained Earnings |
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A single share of HDFC Bank represents a small ownership stake in the entity. As a stockholder of HDFC, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
HDFC Bank Dividends Analysis For Valuation
Please note that HDFC Bank has scaled down on payment of dividends at this time. At present, HDFC Bank's Retained Earnings are projected to increase significantly based on the last few years of reporting. The current year's Price Earnings Ratio is expected to grow to 26.71, whereas Earning Assets are forecasted to decline to about 3.3 T.
There are various types of dividends HDFC Bank can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of HDFC shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from HDFC Bank Limited directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When HDFC pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of HDFC Bank by the value of the dividends paid out.
HDFC Bank Growth Indicators
Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
| Common Stock Shares Outstanding | 5.1 B | |
| Quarterly Earnings Growth Y O Y | 0.115 | |
| Forward Price Earnings | 16.9779 |
HDFC Bank Current Valuation Indicators
Valuation refers to the process of determining the present value of HDFC Bank Limited and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value HDFC we look at many different elements of the entity such as HDFC's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as HDFC Bank, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use HDFC Bank's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes HDFC Bank's worth.Complementary Tools for HDFC Stock analysis
When running HDFC Bank's price analysis, check to measure HDFC Bank's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy HDFC Bank is operating at the current time. Most of HDFC Bank's value examination focuses on studying past and present price action to predict the probability of HDFC Bank's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move HDFC Bank's price. Additionally, you may evaluate how the addition of HDFC Bank to your portfolios can decrease your overall portfolio volatility.
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