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HDFC Bank Ltd

Updated on March 19, 2019

Stock/Share Code - HDFCBANK

HDFC Bank is a publicly held banking company engaged in providing a range of banking and financial services including retail banking, wholesale banking and treasury operations.

Below is the details of HDFCBANK HDFC Bank Ltd

Market Cap₹565,498 Cr.
Current Price ₹2,281.3 as on 25 Mar 19
52 Week High / Low Price₹2,219.05 / ₹1,830
Face Value₹2
Stock P/E28.29
Book Value₹390.51
Dividend Yield0.60 %
ROCE7.32 %
ROE17.87 %
Sales Growth (3yrs)18.30 %
SectorBanks
IndustryBanks - Private Sector
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Company has been maintaining a healthy dividend payout of 19.40%
Cons: Stock is trading at 5.32 times its book value Company has low interest coverage ratio. Promoter holding is low: 21.41% Contingent liabilities of Rs.918242.05 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 28.29 ₹565,498.26 Cr. 0.60 ₹5,585.85 Cr. 20.32 25.80 25890.26 7.32
2. Kotak Mah. Bank ₹1,308.65 33.66 ₹231,463.61 Cr. 0.06 ₹1,844.01 Cr. 20.70 21.18 7744.58 7.93
3. Yes Bank ₹247.25 12.14 ₹53,484.09 Cr. 1.16 ₹1,001.85 Cr. -6.97 56.97 7958.94 7.42
4. IndusInd Bank ₹1,683.55 22.81 ₹88,820.53 Cr. 0.51 ₹985.03 Cr. 5.21 34.45 5763.47 7.97
5. ICICI Bank ₹383.5 66.08 ₹225,611.94 Cr. 0.43 ₹1,604.91 Cr. -2.75 19.14 16280.40 4.98
6. Bandhan Bank ₹487.85 33.92 ₹57,272.56 Cr. 0.21 ₹331.27 Cr. 10.40 40.00 1649.55 10.59
7. Federal Bank ₹88.8 16.52 ₹16,638.02 Cr. 1.19 ₹333.63 Cr. 28.31 18.12 2954.41 6.05

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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

Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018
Revenue15,99716,51617,07017,60618,11418,66919,67020,58121,32122,54924,20025,890
Interest8,5438,7359,0769,2979,0599,2989,91810,26710,66311,73512,43613,314
Expenses5,2475,6365,6195,5586,4846,9267,0167,0847,5927,6138,1198,931
Employee Cost %9.36%9.6%9.71%9.59%8.57%8.88%8.72%8.22%8.17%8.03%7.89%7.6%
Financing Profit2,2072,1462,3752,7512,5712,4452,7363,2313,0663,2003,6443,646
Financing Margin %14%13%14%16%14%13%14%16%14%14%15%14%
Other Income2,8662,8072,9013,1433,4463,5173,6063,8694,2293,8184,0164,921
Depreciation000000000000
Profit before tax5,0724,9525,2765,8936,0185,9616,3427,1007,2957,0187,6608,567
Tax %33%35%34%34%34%35%35%35%34%34%35%35%
Net Profit3,3743,2393,4553,8653,9903,8944,1514,6434,7994,6015,0065,586
Gross NPA %0.94%1.04%1.02%1.05%1.05%1.24%1.26%1.29%1.30%1.33%1.33%1.38%
Net NPA %0.28%0.32%0.30%0.32%0.33%0.44%0.43%0.44%0.40%0.41%0.40%0.42%
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 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018TTM
Revenue6,64810,11516,33216,17319,92827,87435,06541,13648,47060,22169,30680,24193,960
Interest3,1794,8878,9117,7869,38514,99019,25422,65326,07432,63036,16740,14648,148
Expenses3,2044,9597,2337,6868,56110,61312,26012,95915,40718,99922,46427,71232,255
Manufacturing Cost %1.89%1.77%1.85%2.81%2.55%2.22%2.19%1.92%1.75%1.71%1.81%1.61%%
Employee Cost %11.69%12.87%13.7%14.15%14.23%12.2%11.31%10.16%9.8%9.47%9.36%8.48%%
Other Cost %34.61%34.38%28.73%30.56%26.18%23.66%21.47%19.43%20.23%20.37%21.24%24.44%%
Financing Profit2652691897001,9822,2723,5515,5246,9898,59210,67612,38313,557
Financing Margin %4%3%1%4%10%8%10%13%14%14%15%15%14%
Other Income1,5942,2833,4713,9834,3345,7846,8527,9208,99610,75212,29615,22016,983
Depreciation2202723603944975436526726567068339060
Profit before tax1,6392,2813,2994,2895,8197,5139,75112,77215,32918,63822,13926,69730,540
Tax %30%30%32%31%33%31%31%34%33%34%34%34%
Net Profit1,1411,5902,2452,9493,9265,1676,7268,47810,21612,29614,55017,48719,992
EPS in Rs6.918.6810.2212.4916.3421.3227.3334.1839.1346.7056.7867.38
Dividend Payout %20%19%19%19%20%20%19%19%20%20%19%19%

Compounded Sales Growth

  • 10 Years:: 23.01%
  • 5 Years:: 18.01%
  • 3 Years:: 18.30%
  • TTM:: 21.97%

Compounded Profit Growth

  • 10 Years:: 27.10%
  • 5 Years:: 21.05%
  • 3 Years:: 19.65%
  • TTM:: 19.88%

Return on Equity

  • 10 Years:: 18.50%
  • 5 Years:: 18.60%
  • 3 Years:: 18.00%
  • TTM:: 17.87%

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 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018
Share Capital319354425458465469476480501506513519
Equity Capital319.39354.43425.38457.74465.23469.34475.88479.81501.3505.64512.51519.02
Reserves6,11411,14314,22121,06224,91129,45535,73842,99961,50872,17288,950105,776
Borrowings71,113105,364151,975180,320222,980270,553329,254406,776496,009631,393717,669911,876
Other Liabilities13,77316,39016,73720,71729,07237,49434,92241,40332,55736,81956,83145,817
Total Liabilities91,319133,251183,359222,557277,429337,972400,390491,658590,576740,890863,9621,063,988
Fixed Assets9671,1751,7072,1232,1712,3472,7032,9403,1223,3433,6273,607
Gross Block1917.562386.973956.634707.985244.215930.246865.457705.828463.39252.6210157.6610932.58
Accumulated Depreciation918.811179.82205.652540.923029.313538.84118.134721.655297.325865.226486.687281.13
CWIP000000000000
Investments30,56549,39458,81858,60870,92997,483111,614120,951151,642195,836214,463242,200
Other Assets59,78882,682122,834161,826204,329238,141286,073367,767435,813541,710645,872818,181
Cash Equivalents9046.6514778.3417506.6229942.429668.8420937.7327280.1739583.6436331.4538918.8448952.1122915.08
Loans n Advances3796.394477.156444.726053.4714677.2621783.6519072.3625183.1733986.0338197.6942351.336932.43
Total Assets91,319133,251183,359222,557277,429337,972400,390491,658590,576740,890863,9621,063,988

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 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018
Cash from Operating Activity5742,723-1,7369,390-376-17,095-1,8698,364-15,862-30,13223,58526,074
Profit from operations3019.664247.066011.857263.968419.3710162.7612182.6415222.6118230.4422200.7826770.0734074.76
Working Capital Changes-2068.33-655.34-6325.633528.44-6519.52-24496.62-10314.55-2807.98-28705.27-45587.054674.532215.5
Taxes paid-377-868.59-1422.36-1402.51-2275.68-2761.59-3736.87-4051.03-5387.44-6745.91-7859.2-10216.19
Cash from Investing Activity-311-6201,500-553-1,126-662-855-1,623-1,933-627-1,985-523
Fixed Assets Purchased-313.33-629.37-675.27-563.71-541.82-681.73-863.2-817.41-735.63-815.91-1068.18-769.92
Fixed Assets Sold1.939.5911.512.29.084.64.3112.7332.9211.159.439.51
Cash from Financing Activity1,6383,6282,9653,5991,2289,0269,0665,56314,54333,347-11,56848,411
Proceeds from Shares01390.103608.06000010718.21222.92261.5212725.91
Dividends Paid-172.58-223.63-301.86-426.32-551.94-769.55-1013.05-1313.49-1649.28-2009.17-2408.31-2831.27
Net Cash Flow1,9015,7322,72812,436-274-8,7316,34212,303-3,2522,58710,03373,963

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Ratios

Mar 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018
ROE %19%18%17%16%17%19%20%21%19%18%18%18%

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Disclaimer:
All efforts have been made to ensure the information provided here is accurate as per time to time filling by company to exchanges. However, no guarantees are made regarding correctness of data. Investors are advised to validate/check information with exchanges or companies website before making any investment decisions.