/HDB
HDFC Bank Limited
HDB • NYSEHDB • NYSE • Financial Services
$29.47-3.03%-0.92
$29.47-3.03%(-0.92)Financial Services
GoAI Score
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Valuation
50Fair Value
Sentiment
70Bullish
Risk
100Low Risk
Momentum
10Negative
Institutional-Grade Intelligence
🏆PRO
Actionable Intelligence
AI-driven stance, execution logic & risk thresholds
Catalyst Roadmap
Event timeline with expected impact & market context
Deep Insights
Fact-checked analysis & score logic breakdown
Financial Statements
Margin Trends
Gross
52.2%▼0.4pp
Revenue after COGS
Operating
20.5%▲0.5pp
After operating expenses
Net
16.1%▼1.6pp
Bottom-line profitability
Gross Margin
Operating Margin
Net Margin
Valuation Snapshot
P/E Ratio
21.6
Price vs earnings
EV/EBITDA
20.3
Enterprise value
FCF Yield
7.8%
Cash generation
Earnings Yield
4.6%
Inverse of P/E
Capital Efficiency
5
GoAI Quality ScoreWeak
ROEReturn on Equity
8.8%Fair
ROAReturn on Assets
1.4%Fair
ROICReturn on Invested Capital
3.4%Fair
Financial Health
Current RatioWeak
0.34
Short-term solvency (>1.5)
Net Debt / EBITDAHigh
4.58x
Debt repayment capacity (<3x)
Income QualityStrong
1.74
Cash backs earnings (>1)
Revenue & Profitability
Revenue
Net Income
Net Loss
Income Statement
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | $4.19T | $3.52T | $1.98T | $1.60T | $1.53T |
| Gross Profit | $2.19T | $1.85T | $1.13T | $892.43B | $782.43B |
| Gross Margin | 52.2% | 52.7% | 57.1% | 55.6% | 51.2% |
| Operating Income | $861.55B | $705.46B | $662.38B | $519.16B | $439.83B |
| Net Income | $673.51B | $622.66B | $495.45B | $386.00B | $325.98B |
| Net Margin | 16.1% | 17.7% | 25.0% | 24.1% | 21.3% |
| EPS | $139.20 | $135.63 | $123.96 | $103.17 | $86.82 |
Rating Distribution
Strong Buy
0
0%
Buy
2
33%
Hold
4
67%
Sell
0
0%
Strong Sell
0
0%
Recent Analyst Ratings
FirmActionRatingDate
JP Morgan▼ Downgrade
Overweight→Neutral
2024-07-22Bernstein▼ Downgrade
Outperform→Market Perform
2019-09-09Bernstein▼ Downgrade
Outperform→Market Perform
2019-09-08Nomura▼ Downgrade
Buy→Neutral
2019-06-11Nomura▼ Downgrade
Buy→Neutral
2019-06-10Morgan Stanley▼ Downgrade
Overweight→Equal Weight
2017-03-21Morgan Stanley▼ Downgrade
Overweight→Equal Weight
2017-03-20Goldman Sachs● Maintain
Buy
2016-09-14Goldman Sachs● Maintain
Buy
2016-09-13Societe Generale● Maintain
Buy
2015-03-11Earnings History & Surprises
BEAT RATE
63%
Last 16 quarters
AVG SURPRISE
+6.2%
EPS vs Estimate
BEATS / MISSES
10/3
3 met exactly
LATEST EPS
$0.43
Q1 '26
QUARTERLY EPS TREND
Estimated
Beat
Miss
QUARTERLY DETAIL
Q1 '26
+10.3%
$0.43 vs $0.39
Q4 '25
+22.2%
$0.44 vs $0.36
Q3 '25
-2.6%
$0.37 vs $0.38
Q3 '25
No data
Q1 '25
+10.8%
$0.41 vs $0.37
Q4 '24
-14.0%
$0.43 vs $0.50
Q3 '24
+56.0%
$0.39 vs $0.25
Q2 '24
+20.0%
$0.42 vs $0.35
Q1 '24
+17.1%
$0.41 vs $0.35
Q4 '23
No data
Q3 '23
-50.2%
$0.40 vs $0.80
Q2 '23
No data
No investor questions available.
Latest News
No news available