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HDFC Bank Ltd

Updated on November 22, 2020

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₹614,066 Cr.
Current Price ₹1,440.85 as on 27 Nov 20
52 Week High / Low Price₹1,305.5 / ₹738.75
Face Value₹1
Stock P/E22.45
Book Value₹310.71
Dividend Yield0.67 %
ROCE7.18 %
ROE16.40 %
Sales Growth (3yrs)18.32 %
SectorBanks
IndustryBanks - Private Sector
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Company has delivered good profit growth of 20.80% CAGR over last 5 years
Cons: Stock is trading at 3.59 times its book value Company has low interest coverage ratio. Promoter holding is low: 26.10% Contingent liabilities of Rs.1180538.31 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 22.45 ₹614,066.43 Cr. 0.67 ₹6,658.62 Cr. 19.58 10.90 30377.97 7.18
2. Kotak Mah. Bank ₹1,907.1 30.32 ₹277,327.41 Cr. 0.06 ₹1,852.59 Cr. 5.11 1.60 8421.69 7.35
3. ICICI Bank ₹473.35 26.75 ₹272,103.11 Cr. 0.25 ₹3,117.68 Cr. 24.03 10.10 22422.71 5.90
4. Axis Bank ₹601.6 89.88 ₹152,009.25 Cr. 0.20 ₹1,099.52 Cr. -12.83 8.14 16799.19 5.55
5. Bandhan Bank ₹367 17.78 ₹49,244.35 Cr. 0.98 ₹549.82 Cr. -31.58 14.70 3018.09 12.00
6. IndusInd Bank ₹857.65 12.68 ₹43,708.53 Cr. 1.19 ₹460.64 Cr. -67.84 2.88 7161.73 8.50
7. IDBI Bank ₹38.1 ₹40,743.83 Cr. 0.00 ₹159.14 Cr. 104.16 -3.80 4903.80 0.33
8. Yes Bank ₹14.7 ₹35,953.79 Cr. 13.92 ₹34.05 Cr. -64.37 -29.78 5486.01 -0.52

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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 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020
Revenue19,67020,58121,32122,54924,20025,89026,33327,39228,16629,37029,88530,378
Interest9,91810,26710,66311,73512,43613,31413,24414,09714,65115,19714,68114,713
Expenses -7,0167,0847,5927,6138,1198,9319,0069,73110,10610,94012,06210,803
Employee Cost %8.72%8.22%8.17%8.03%7.89%7.60%7.88%8.10%8.36%8.36%8.36%8.27%
Financing Profit2,7363,2313,0663,2003,6443,6464,0833,5633,4093,2333,1424,862
Financing Margin %14%16%14%14%15%14%16%13%12%11%11%16%
Other Income3,6063,8694,2293,8184,0164,9214,8714,9705,5896,6696,0334,075
Depreciation000000000000
Profit before tax6,3427,1007,2957,0187,6608,5678,9548,5348,9979,9029,1748,938
Tax %35%35%34%34%35%35%34%35%29%25%24%26%
Net Profit4,1514,6434,7994,6015,0065,5865,8855,5686,3457,4166,9286,659
EPS in Rs8.058.959.258.859.3510.3010.8010.2011.6013.5012.6012.10
Gross NPA %1.26%1.29%1.30%1.33%1.33%1.38%1.36%1.40%1.38%1.42%1.26%1.36%
Net NPA %0.43%0.44%0.40%0.41%0.40%0.42%0.39%0.43%0.42%0.48%0.36%0.33%
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 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020TTM
Revenue16,33216,17319,92827,87435,06541,13648,47060,22169,30680,24198,972114,813117,799
Interest8,9117,7869,38514,99019,25422,65326,07432,63036,16740,14650,72958,62659,242
Expenses -7,2337,6868,56110,61312,26012,95915,40718,99922,46427,71232,52941,64443,912
Manufacturing Cost %1.85%2.81%2.55%2.22%2.19%1.92%1.75%1.71%1.81%1.61%1.27%1.10%
Employee Cost %13.71%14.16%14.23%12.20%11.31%10.16%9.80%9.47%9.36%8.49%7.85%8.30%
Other Cost %28.72%30.56%26.18%23.66%21.47%19.42%20.23%20.37%21.24%24.44%23.75%26.87%
Financing Profit1897001,9822,2723,5515,5246,9898,59210,67612,38315,71414,54214,645
Financing Margin %1%4%10%8%10%13%14%14%15%15%16%13%12%
Other Income3,4713,9834,3345,7846,8527,9208,99610,75212,29615,22017,62623,26122,366
Depreciation3603944975436526726567068339061,1401,1960
Profit before tax3,2994,2895,8197,5139,75112,77215,32918,63822,13926,69732,20036,60737,011
Tax %32%31%33%31%31%34%33%34%34%34%35%28%
Net Profit2,2452,9493,9265,1676,7268,47810,21612,29614,55017,48721,07826,25727,348
EPS in Rs5.116.248.1710.6613.6717.0919.5623.3528.3933.6938.7047.8949.80
Dividend Payout %19%19%20%20%19%19%20%20%19%19%19%5%

Compounded Sales Growth

  • 10 Years:: 21.65%
  • 5 Years:: 18.82%
  • 3 Years:: 18.32%
  • TTM:: 13.47%

Compounded Profit Growth

  • 10 Years:: 24.45%
  • 5 Years:: 20.80%
  • 3 Years:: 21.75%
  • TTM:: 24.06%

Return on Equity

  • 10 Years:: 17.66%
  • 5 Years:: 17.16%
  • 3 Years:: 8.06%
  • 1 Year:: 0.11%

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 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
Share Capital -425458465469476480501506513519545548
Equity Capital425458465469476480501506513519545548
Reserves14,22121,06224,91129,45535,73842,99961,50872,17288,950105,776148,662170,438
Borrowings151,975180,320222,980270,553329,254406,776496,009631,393717,669911,8761,040,2261,292,131
Other Liabilities -16,64920,61928,99637,43234,86441,34432,48436,72556,70945,76455,10867,394
Other liability items16,64920,61928,99637,43234,86441,34432,48436,72556,70945,76455,10867,394
Total Liabilities183,271222,459277,353337,910400,332491,600590,503740,796863,8401,063,9341,244,5411,530,511
Fixed Assets -1,7072,1232,1712,3472,7032,9403,1223,3433,6273,6074,0304,432
Gross Block3,9574,7085,2445,9306,8657,7068,4639,25310,15810,93312,34613,448
Accumulated Depreciation2,2062,5413,0293,5394,1184,7225,2975,8656,4877,2818,2728,972
CWIP000000000000
Investments58,81858,60870,92997,483111,614120,951151,642195,836214,463242,200293,116391,827
Other Assets -122,746161,728204,253238,079286,015367,709435,740541,617645,750818,127947,3951,134,253
Cash Equivalents17,50729,94229,66920,93827,28039,58436,33138,91948,952122,91581,34886,619
Loans n Advances6,4456,05314,67721,78419,07225,18333,98638,19842,35136,93246,64653,931
Other asset items98,795125,732159,906195,358239,663302,942365,422464,500554,447658,279819,401993,703
Total Assets183,271222,459277,353337,910400,332491,600590,503740,796863,8401,063,9341,244,5411,530,511

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 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
Cash from Operating Activity --1,7369,390-376-17,095-1,8698,364-15,862-30,13223,58526,074-56,055-16,690
Profit from operations6,0127,2648,41910,16312,18315,22318,23022,20126,77034,07541,33150,995
Loans Advances-21,242-28,936-34,915-36,596-45,557-65,049-64,703-101,596-93,316-108,941-167,645-183,640
Operating investments-2,954-234-11,928-26,805-14,207-8,621-44,589-39,135-17,726-28,270-51,389-99,922
Operating borrowings-2,4943,819438000000000
Deposits20,23424,59341,18238,12049,54171,09083,45895,62997,215145,131134,370224,361
Other WC items1324,287-1,297785-91-228-2,871-48418,501-5,705-5052,014
Working capital changes-6,3263,528-6,520-24,497-10,315-2,808-28,705-45,5874,6752,216-85,169-57,187
Direct taxes-1,422-1,403-2,276-2,762-3,737-4,051-5,387-6,746-7,859-10,216-12,216-10,498
Cash from Investing Activity -1,500-553-1,126-662-855-1,623-1,933-627-1,985-523-1,231-891
Fixed assets purchased-675-564-542-682-863-817-736-816-1,068-770-1,552-1,547
Fixed assets sold12129541333119102118
Dividends received0000000149163242204424
Invest in subsidiaries00-590-100-787-1,24200000
Acquisition of companies00000000-1,060-1400
Other investing items2,164-2-3254-321128-281195214
Cash from Financing Activity -2,9653,5991,2289,0269,0665,56314,54333,347-11,56848,41115,71822,852
Proceeds from shares03,608000010,7181,2232,26212,72625,7901,849
Redemption of debentures0000000000-2,8750
Proceeds from borrowings0000000000027,543
Repayment of borrowings0000000000-3,1450
Dividends paid-302-426-552-770-1,013-1,313-1,649-2,009-2,408-2,831-4,053-6,540
Other financing items3,2674171,7809,79610,0796,8765,47534,133-11,42138,51700
Net Cash Flow2,72812,436-274-8,7316,34212,303-3,2522,58710,03373,963-41,5675,271

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Ratios

Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
ROE %17%16%17%19%20%21%19%18%18%18%16%16%

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