HDFC Bank Limited
Fundamental Score
HDFC Bank Limited Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of HDFCBANK across key market metrics for learning purposes.
Positive Indicators
6 factors identified
Strong Operating Margins (49.47%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages. This indicates sustainable profitability potential.
Consistent Growth Track Record (22.45% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model and market opportunity execution over time.
Strong Profit Growth Track Record (21.01% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model and effective operational leverage over time.
Strong Cash Generation (₹182158.60 Cr over 5Y)
Observation: Healthy free cash flow generation supports growth and returns.
Analysis: Strong FCF provides flexibility for dividends, debt reduction, and growth investments.
Strong Institutional Confidence (FII+DII: 84.45%)
Observation: Significant professional investor participation indicates quality recognition.
Analysis: High institutional holding often signals thorough due diligence and quality business fundamentals.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
6 factors identified
Suboptimal ROCE (7.51%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation. Review business model and competitive positioning.
Elevated Debt Levels (D/E: 6.30)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability and cash flow generation.
Weak Interest Coverage (1.52x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.
Low Promoter Commitment (0.00%)
Observation: Reduced promoter stake may indicate limited confidence.
Analysis: Low promoter holding may raise questions about management commitment and long-term vision alignment.
High Debt-to-Equity Ratio
Observation: Elevated financial risk due to high leverage.
Analysis: High debt levels may strain cash flows and increase financial risk during economic downturns.
Very High Debt Levels
Observation: Excessive leverage may strain cash flows.
Analysis: Debt-to-equity above 2.0 indicates potential financial distress risk.
Financial Statements
Comprehensive financial data for HDFC Bank Limited
About HDFCBANK
Business Overview
HDFC Bank Limited provides banking and financial products and services to individuals and businesses in India, Bahrain, Hong Kong, Singapore, and Dubai. The company operates through Treasury, Retail Banking, Wholesale Banking, Other Banking Business, Insurance Business, and Other segments. It offers savings, salary, current, rural, public provident fund, pension, and demat accounts; fixed and recurring deposits; and safe deposit lockers, as well as offshore accounts and deposits, and overdrafts against fixed deposits. The company also provides personal, home, car, two-wheeler, business, doctor, educational, gold, consumer, and rural loans; loans against properties, securities, mutual funds, rental receivables, and assets; loans for professionals; government sponsored programs; and loans on credit card, as well as working capital and commercial/construction equipment finance, healthcare/medical equipment, commercial vehicle finance, dealer finance, and term loans. In addition, it offers credit, debit, prepaid, forex, and kisan gold cards; payment and collection, export, import, remittance, bank guarantee, letter of credit, trade, hedging, and merchant and cash management services; and insurance and investment products. Further, the company provides short term finance, bill discounting, structured finance, export credit, loan repayment, custodial, and documents collection services; online, mobile, and phone banking services; unified payment interface, immediate payment, national electronic funds transfer, and real time gross settlement services; channel financing, vendor financing, reimbursement account, money market, derivatives, employee trusts, cash surplus corporates, tax payment, and bankers to rights/public issue services; and financial solutions for supply chain partners and agricultural customers. It operates branches and automated teller machines in various cities/towns. The company was incorporated in 1994 and is headquartered in Mumbai, India.
Company Details
Key Leadership
Corporate Events
Latest News
HDFCBANK Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of HDFC Bank Limited (HDFCBANK)?
As of 29 Jan 2026, 10:39 am IST, HDFC Bank Limited (HDFCBANK) is currently trading at ₹935.50. The stock has a market capitalization of ₹15.42L (Cr).
Is HDFCBANK share price Overvalued or Undervalued?
HDFCBANK is currently trading at a P/E ratio of 21.32x, compared to the industry average of 15.23x. Based on this relative valuation, the stock appears to be Overvalued against its sector peers.
What factors affect the HDFC Bank Limited share price?
Key factors influencing HDFCBANK's price include its quarterly earnings growth (Sales Growth: 4.81%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is HDFC Bank Limited a good stock for long-term investment?
HDFC Bank Limited shows a 5-year Profit Growth of 21.01% and an ROE of 14.45%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 6.30 before investing.
How does HDFC Bank Limited compare with its industry peers?
HDFC Bank Limited competes with major peers in the Private Sector Bank. Investors should compare HDFCBANK's P/E of 21.32x and ROE of 14.45% against the industry averages to determine its competitive standing.
What is the P/E ratio of HDFCBANK and what does it mean?
HDFCBANK has a P/E ratio of 21.32x compared to the industry average of 15.23x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹21 for every ₹1 of annual earnings.
How is HDFCBANK performing according to Bull Run's analysis?
HDFCBANK has a Bull Run fundamental score of 41.3/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does HDFCBANK belong to?
HDFCBANK operates in the Private Sector Bank industry. This classification helps understand the competitive landscape and sector-specific trends affecting HDFC Bank Limited.
What is Return on Equity (ROE) and why is it important for HDFCBANK?
HDFCBANK has an ROE of 14.45%, which shows decent profitability but room for improvement. Return on Equity measures how efficiently HDFC Bank Limited generates profits from shareholders' equity.
How is HDFCBANK's debt-to-equity ratio and what does it indicate?
HDFCBANK has a debt-to-equity ratio of 6.30, which indicates high leverage that increases financial risk. A ratio below 1.0 generally indicates conservative financing.
What is HDFCBANK's dividend yield and is it a good dividend stock?
HDFCBANK offers a dividend yield of 1.10%, which means you receive ₹1.10 annual dividend for every ₹100 invested.
How has HDFCBANK grown over the past 5 years?
HDFCBANK has achieved 5-year growth rates of: Sales Growth 22.45%, Profit Growth 21.01%, and EPS Growth 13.21%.
What is the promoter holding in HDFCBANK and why does it matter?
Promoters hold 0.00% of HDFCBANK shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is HDFCBANK's market capitalization category?
HDFCBANK has a market capitalization of ₹1542400 crores, placing it in the Large-cap category.
How volatile is HDFCBANK stock?
HDFCBANK has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for HDFCBANK?
HDFCBANK has a 52-week high of ₹N/A and low of ₹N/A.
What is HDFCBANK's operating profit margin trend?
HDFCBANK has a 5-year average Operating Profit Margin (OPM) of 49.47%, indicating the company's operational efficiency.
How is HDFCBANK's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of 4.81% and YoY Profit Growth of 10.01%.
What is the institutional holding pattern in HDFCBANK?
HDFCBANK has FII holding of 48.38% and DII holding of 36.07%. Significant institutional holding often suggests professional confidence in the stock.