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HDFC Bank Ltd

Updated on November 6, 2019

Stock/Share Code - HDFCBANK

HDFC Bank Limited (HDFC Bank or the Bank), incorporated in Mumbai, India is a publicly held banking company engaged in providing a range of banking and financial services including retail banking, wholesale banking and treasury operations.(Source : 201903 Annual Report Page No: 109)

Below is the details of HDFCBANK HDFC Bank Ltd

Market Cap₹609,182 Cr.
Current Price ₹1,264.75 as on 11 Nov 19
52 Week High / Low Price₹2,503.3 / ₹1,884.4
Face Value₹2
Stock P/E27.63
Book Value₹545.69
Dividend Yield0.67 %
ROCE7.51 %
ROE16.50 %
Sales Growth (3yrs)18.01 %
SectorBanks
IndustryBanks - Private Sector
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Company has been maintaining a healthy dividend payout of 19.35%
Cons: Stock is trading at 4.08 times its book value Company has low interest coverage ratio. Promoter holding is low: 21.31% Contingent liabilities of Rs.1074667.92 Cr. Company might be capitalizing the interest cost

HDFC Bank Ltd Price Chart

HDFC Bank Ltd Price Chart

HDFC Bank Ltd Peer Comparison in Banks

S.No. Name CMP Rs. P/E Mar Cap Rs.Cr. Div Yld % NP Qtr Rs.Cr. Qtr Profit Var % Qtr Sales Var % Sales Qtr Rs.Cr. ROCE %
1. HDFC Bank 27.63 ₹609,181.7 Cr. 0.67 ₹5,568.16 Cr. 21.01 21.48 27391.59 7.51
2. HDFC Bank 27.28 ₹609,181.7 Cr. 0.67 ₹5,676.06 Cr. 18.05 21.68 29176.45 7.69
3. Kotak Mah. Bank ₹1,616.9 38.14 ₹273,380.28 Cr. 0.06 ₹1,932.21 Cr. 26.42 20.44 8314.19 7.92
4. ICICI Bank ₹496.8 39.11 ₹264,490.78 Cr. 0.24 ₹2,513.69 Cr. 50887.63 21.67 20365.87 4.82
5. Axis Bank ₹733.7 34.43 ₹173,952.03 Cr. 0.15 ₹1,261.4 Cr. 74.74 19.49 15534.82 5.70
6. IndusInd Bank ₹1,445.05 26.15 ₹96,714.99 Cr. 0.47 ₹1,432.5 Cr. 38.31 37.36 6961.37 7.62
7. Bandhan Bank ₹549.85 25.81 ₹56,028.5 Cr. 0.64 ₹701.14 Cr. 45.55 36.27 2120.56 10.48
8. IDFC First Bank ₹42.55 ₹20,828.95 Cr. 1.72 -₹611.64 Cr. -419.24 62.55 3865.71 3.97

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HDFC Bank Ltd Fundamentals

Quarterly Results

Quarterly reports are issued by companies every three months. Most companies have a financial year-end of Mar. 31 and quarters that end on June 30, Sept. 30, Dec. 31 and March 31.

Standalone Figures in Rs. Crores

Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019
Revenue17,07017,60618,11418,66919,67020,58121,32122,54924,20025,89026,33327,392
Interest9,0769,2979,0599,2989,91810,26710,66311,73512,43613,31413,24414,097
Expenses5,6195,5586,4846,9267,0167,0847,5927,6138,1198,9319,0069,731
Employee Cost %9.71%9.59%8.57%8.88%8.72%8.22%8.17%8.03%7.89%7.6%7.88%8.1%
Financing Profit2,3752,7512,5712,4452,7363,2313,0663,2003,6443,6464,0833,563
Financing Margin %14%16%14%13%14%16%14%14%15%14%16%13%
Other Income2,9013,1433,4463,5173,6063,8694,2293,8184,0164,9214,8714,970
Depreciation000000000000
Profit before tax5,2765,8936,0185,9616,3427,1007,2957,0187,6608,5678,9548,534
Tax %34%34%34%35%35%35%34%34%35%35%34%35%
Net Profit3,4553,8653,9903,8944,1514,6434,7994,6015,0065,5865,8855,568
EPS in Rs13.6015.2015.6015.2016.1017.9018.5017.7018.7020.6021.6020.40
Gross NPA %1.02%1.05%1.05%1.24%1.26%1.29%1.30%1.33%1.33%1.38%1.36%1.40%
Net NPA %0.30%0.32%0.33%0.44%0.43%0.44%0.40%0.41%0.40%0.42%0.39%0.43%
NotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotes

Profit & Loss

The profit and loss (P&L) statement is a financial statement that summarizes the revenues, costs and expenses incurred during a specified period, usually a fiscal quarter or year. The P&L statement is synonymous with the income statement. These records provide information about a company's ability or inability to generate profit" by increasing revenue, reducing costs or both. Some refer to the P&L statement as a statement of profit and loss, income statement, statement of operations, statement of financial results or income, earnings statement or expense statement.

Standalone Figures in Rs. Crores

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019TTM
Revenue10,11516,33216,17319,92827,87435,06541,13648,47060,22169,30680,24198,972103,815
Interest4,8878,9117,7869,38514,99019,25422,65326,07432,63036,16740,14650,72953,091
Expenses4,9597,2337,6868,56110,61312,26012,95915,40718,99922,46427,71232,52935,787
Manufacturing Cost %1.77%1.85%2.81%2.55%2.22%2.19%1.92%1.75%1.71%1.81%1.61%1.27%%
Employee Cost %12.87%13.7%14.15%14.23%12.2%11.31%10.16%9.8%9.47%9.36%8.48%7.84%%
Other Cost %34.38%28.73%30.56%26.18%23.66%21.47%19.43%20.23%20.37%21.24%24.44%23.75%%
Financing Profit2691897001,9822,2723,5515,5246,9898,59210,67612,38315,71414,937
Financing Margin %3%1%4%10%8%10%13%14%14%15%15%16%14%
Other Income2,2833,4713,9834,3345,7846,8527,9208,99610,75212,29615,22017,62618,778
Depreciation2723603944975436526726567068339061,1400
Profit before tax2,2813,2994,2895,8197,5139,75112,77215,32918,63822,13926,69732,20033,715
Tax %30%32%31%33%31%31%34%33%34%34%34%35%
Net Profit1,5902,2452,9493,9265,1676,7268,47810,21612,29614,55017,48721,07822,045
EPS in Rs8.6810.2212.4916.3421.3227.3334.1839.1346.7056.7867.3877.4081.30
Dividend Payout %19%19%19%20%20%19%19%20%20%19%19%19%

Compounded Sales Growth

  • 10 Years:: 19.74%
  • 5 Years:: 19.20%
  • 3 Years:: 18.01%
  • TTM:: 23.41%

Compounded Profit Growth

  • 10 Years:: 25.12%
  • 5 Years:: 19.98%
  • 3 Years:: 19.68%
  • TTM:: 21.16%

Return on Equity

  • 10 Years:: 18.08%
  • 5 Years:: 17.72%
  • 3 Years:: 17.32%
  • Last Year:: 16.50%

Balance Sheet

A balance sheet is a financial statement that reports a company's assets, liabilities and shareholders' equity at a specific point in time, and provides a basis for computing rates of return and evaluating its capital structure. It is a financial statement that provides a snapshot of what a company owns and owes, as well as the amount invested by shareholders. It is used alongside other important financial statements such as the income statement and statement of cash flows in conducting fundamental analysis or calculating financial ratios.

Standalone Figures in Rs. Crores

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
Share Capital354425458465469476480501506513519545
Equity Capital354.43425.38457.74465.23469.34475.88479.81501.3505.64512.51519.02544.66
Reserves11,14314,22121,06224,91129,45535,73842,99961,50872,17288,950105,776148,662
Borrowings105,364151,975180,320222,980270,553329,254406,776496,009631,393717,669911,8761,040,226
Other Liabilities16,39016,73720,71729,07237,49434,92241,40332,55736,81956,83145,81755,108
Total Liabilities133,251183,359222,557277,429337,972400,390491,658590,576740,890863,9621,063,9881,244,541
Fixed Assets1,1751,7072,1232,1712,3472,7032,9403,1223,3433,6273,6074,030
Gross Block2386.973956.634707.985244.215930.246865.457705.828463.39252.6210157.6610932.5812345.97
Accumulated Depreciation1179.82205.652540.923029.313538.84118.134721.655297.325865.226486.687325.378315.96
CWIP000000000000
Investments49,39458,81858,60870,92997,483111,614120,951151,642195,836214,463242,200290,588
Other Assets82,682122,834161,826204,329238,141286,073367,767435,813541,710645,872818,181949,923
Cash Equivalents14778.3417506.6229942.429668.8420937.7327280.1739583.6436331.4538918.8448952.1122915.0881347.64
Loans n Advances4477.156444.726053.4714677.2621783.6519072.3625183.1733986.0338197.6942351.336932.4349173.95
Other Assets etc63426.998883.05125830.59159982.67195420.03239720.64303000.27365495.05464593.95554568.19658333.11819401.22
Total Assets133,251183,359222,557277,429337,972400,390491,658590,576740,890863,9621,063,9881,244,541

Cash Flows

Cash flow is the net amount of cash and cash-equivalents being transferred into and out of a business. At the most fundamental level, a company’s ability to create value for shareholders is determined by its ability to generate positive cash flows, or more specifically, maximize long-term free cash flow.

Standalone Figures in Rs. Crores

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
Cash from Operating Activity2,723-1,7369,390-376-17,095-1,8698,364-15,862-30,13223,58526,074-56,055
Profit from operations4247.066011.857263.968419.3710162.7612182.6415222.6118230.4422200.7826770.0734074.7641330.93
Working Capital Changes-655.34-6325.633528.44-6519.52-24496.62-10314.55-2807.98-28705.27-45587.054674.532215.5-85169.17
Taxes paid-868.59-1422.36-1402.51-2275.68-2761.59-3736.87-4051.03-5387.44-6745.91-7859.2-10216.19-12216.43
Cash from Investing Activity-6201,500-553-1,126-662-855-1,623-1,933-627-1,985-523-1,231
Fixed Assets Purchased-629.37-675.27-563.71-541.82-681.73-863.2-817.41-735.63-815.91-1068.18-769.92-1551.8
Fixed Assets Sold9.5911.512.29.084.64.3112.7332.9211.159.439.5121.23
Cash from Financing Activity3,6282,9653,5991,2289,0269,0665,56314,54333,347-11,56848,41115,718
Proceeds from Shares1390.103608.06000010718.21222.92261.5212725.9125790.43
Dividends Paid-223.63-301.86-426.32-551.94-769.55-1013.05-1313.49-1649.28-2009.17-2408.31-2831.27-3384.29
Net Cash Flow5,7322,72812,436-274-8,7316,34212,303-3,2522,58710,03373,963-41,567

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Ratios

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
ROE %18%17%16%17%19%20%21%19%18%18%18%16%

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Disclaimer:
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