Stock AnalizHdfc Bank Ltd. HDB
Commercial Banks · IPO 2001 · data as of November 13, 2026
Hdfc Bank Ltd. (HDB) is a financial company listed in the US with a market value of about $132.5B. In fiscal year 2026 it had revenue of $26.5B and net income of $7.5B, a net margin of 28.2%.
Its overall Stock Analiz score is 2.4 out of 5 (weak). The strongest part is value (3/5); the weakest is financial health (1/5).
Key numbers: a P/E of 16.7, a price to free cash flow of 11.7, 5-year revenue growth of 21% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 118% above the current price.
Score: 2.4 / 5
Checks passed
- P/E below 25
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- 5-year EPS growth above 10% a year
- 5-year revenue growth above 8% a year
- Profitable 5 years in a row
Checks not passed
- P/E below the industry median
- PEG below 1.5
- Revenue growth above 10% last year
- Profit margin improving
- Strong R&D investment or growth above 20%
- 5-year average ROIC above 12%
- ROE above 15%
- More cash than debt, or low debt to equity
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $26.5B | $27.8B | $23.8B | $14.7B | $13.4B | $12.8B | $10.5B | $9.7B | $8.7B | $7.1B |
| Net income | $7.5B | $7.9B | $7.5B | $6.0B | $5.1B | $4.5B | $3.5B | $3.2B | $2.7B | $2.2B |
| Free cash flow | $11.3B | $13.2B | $11.6B | $5.3B | $7.3B | $12.4B | $2.0B | $2.4B | $1.3B | $5.7B |
| EPS (diluted) | $1.46 | $1.54 | $1.46 | $1.17 | $0.99 | $0.87 | $0.67 | $0.62 | $0.53 | $0.42 |
| Net margin | 28.2% | 28.4% | 31.3% | 41.1% | 37.9% | 34.8% | 32.9% | 33.0% | 31.4% | 30.4% |
| ROIC | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
Frequently asked questions
What is Hdfc Bank’s P/E ratio?
About 16.7, based on the last twelve months of diluted earnings per share (forward P/E about 18.7).
Is Hdfc Bank stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 118% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Hdfc Bank pay a dividend?
Yes. The dividend yield is about 1.58%, and it has paid dividends for 10 years in our data.
Is Hdfc Bank a good stock to buy?
We do not give buy or sell advice. Hdfc Bank scores 2.4 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.