HDFCBANK
OVERVALUEDHDFC Bank
Banking · NSE
↓ 46.0% vs fair value
52W Low
₹727
+6.1% from low
52W High
₹1,021
-24.5% from high
Valuation Gauge
Current Price
₹771
Fair Value
₹528
Fair Value Analysis
₹528
Based on balance sheet strength analysis and book value multiple and dividend growth model for Banking sector companies
Balance Sheet Value
25% weight
P/B Multiple
35% weight
Dividend Growth Model
40% weight
Price vs Market
Shareholding Pattern
Stock Health Score
Solid Fundamentals
Profitability
ROE of 14.0% is acceptable for Banking sector (benchmark: 15%)
Debt & Leverage
Debt data unavailable — scored neutral
Valuation vs Peers
P/E of 15.5x is in line with the Banking sector median of 15x — fairly valued
Cash Flow
Positive operating cash flow of ₹112,922 Cr — healthy for Banking sector
Earnings Growth
5yr EPS CAGR of 20.4% is below the Banking sector average of 23.2%
Dividend
Dividend yield of 1.5% provides moderate shareholder returns
Sentiment Trend — Last 30 Days
Historical Returns
Key Ratios & Growth
FCF Yield
10.2%
Free cash flow / market cap
Revenue Growth (YoY)
-2.1%
Year-on-year revenue change
Profit Growth (YoY)
+2.1%
Year-on-year PAT change
Operating Cash Flow
₹127.2K Cr
TTM cash from operations
Key Financials
EPS (TTM)
₹48.5
P/E Ratio
15.5x
P/B Ratio
2.2x
ROE
14%
ROCE
—
Debt / Equity
—
Beta
0.49
Div Yield
1.4%
FCF (Cr)
₹1,12,922 Cr
Revenue (Cr)
₹2,37,151 Cr
EPS Growth 5Y
20.4%
Mkt Cap (Cr)
₹11,55,883 Cr
52W High
₹1,020.5
52W Low
₹726.7
Book Value/Share
₹335.4
Financial History
| Period | Revenue | Op Profit | OPM% | PAT | EPS |
|---|---|---|---|---|---|
| TTM | — | — | — | ₹77.4K Cr | ₹48.54 |
| 2025-03-31 | — | — | — | ₹73.4K Cr | ₹46.26 |
| 2024-03-31 | — | — | — | ₹65.4K Cr | ₹42.16 |
| 2023-03-31 | — | — | — | ₹46.1K Cr | ₹41.22 |
| 2022-03-31 | — | — | — | ₹38.2K Cr | ₹34.31 |
| 2021-03-31 | — | — | — | ₹31.9K Cr | ₹28.87 |
| 2020-03-31 | — | — | — | ₹27.3K Cr | ₹24.85 |
| 2019-03-31 | — | — | — | ₹22.4K Cr | ₹20.50 |
| 2018-03-31 | — | — | — | ₹18.6K Cr | ₹17.83 |
| 2017-03-31 | — | — | — | ₹15.3K Cr | ₹14.91 |
| 2016-03-31 | — | — | — | ₹12.8K Cr | ₹12.66 |
| 2015-03-31 | — | — | — | ₹10.7K Cr | ₹10.66 |
| 2014-03-31 | — | — | — | ₹8.8K Cr | ₹9.11 |
Compounded Growth Rates
Sales Growth
Profit Growth
EPS Growth
Peer Comparison
Banking| Stock | Price | Fair Value | MoS% | P/E | ROE | Signal |
|---|---|---|---|---|---|---|
Dhanlaxmi Bank Limited | ₹23.5 | ₹38.8 | +39.4% | 9.3 | 7.0% | UNDERVALUED |
Canara Bank | ₹131 | ₹204.4 | +35.9% | 5.7 | 18.2% | UNDERVALUED |
Central Bank of India | ₹34 | ₹51.3 | +33.9% | 6.1 | 13.2% | UNDERVALUED |
Bank of Maharashtra | ₹66.5 | ₹99.1 | +32.9% | 7.6 | 21.2% | UNDERVALUED |
IDBI Bank Limited | ₹70.1 | ₹98.8 | +29.0% | 8 | 14.7% | UNDERVALUED |
Suryoday Small Finance Bank Limited | ₹132.7 | ₹176.2 | +24.7% | 19.5 | 3.4% | UNDERVALUED |
Bank of Baroda | ₹260.5 | ₹344.4 | +24.4% | 6.6 | 12.8% | UNDERVALUED |
Bank of India | ₹143.2 | ₹186.5 | +23.2% | 6.5 | 12.1% | UNDERVALUED |
Institutional Activity
Bulk deals, block deals, short selling & delivery volume — NSE data
Insider Trading
Community Pulse
Company Documents
Annual reports, concall transcripts & regulatory filings
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