Overall Fundamental outlook

Business Operations:

Sector: Financial Services
Industry: Banks - Regional

HDFC Bank Limited engages in the provision of banking and financial services to individuals and businesses in India, Bahrain, Hong Kong, Singapore, and Dubai. The company operates in three segments: Treasury, Retail Banking, Wholesale Banking, and Other Banking Services. It accepts savings, salary, current, rural, public provident fund, pension, and demat accounts; fixed and recurring deposits; and safe deposit lockers, as well as offshore accounts and deposits, and overdrafts against fixed deposits. The company also provides personal, home, car, two-wheeler, business, doctor, educational, gold, consumer, and rural loans; loans against properties, securities, mutual funds, rental receivables, and assets; loans for professionals; government sponsored programs; and loans on credit card, as well as working capital and commercial/construction equipment finance, healthcare/medical equipment and commercial vehicle finance, dealer finance, and term loans. In addition, it offers credit, debit, prepaid, and forex cards; payment and collection, export, import, remittance, bank guarantee, letter of credit, trade, hedging, and merchant and cash management services; insurance and investment products. Further, the company provides short term finance, bill discounting, structured finance, export credit, loan repayment, and documents collection services; online and wholesale, mobile, and phone banking services; unified payment interface, immediate payment, national electronic funds transfer, and real time gross settlement services; and channel financing, vendor financing, reimbursement account, money market, derivatives, employee trusts, cash surplus corporates, tax payment, and bankers to rights/public issue services, as well as financial solutions for supply chain partners and agricultural customers. It operates branches and automated teller machines in various cities/towns. The company was incorporated in 1994 and is headquartered in Mumbai, India.

Revenue projections:

Revenue projections for HDFCBANK
Revenue projections for HDFCBANK

HDFCBANK's revenue is forecasted to dip below last year's figures, raising concerns for investors who are typically wary of declining financial performance. Such drops can directly affect the company's bottom line, potentially leading to a decrease in overall profitability, making investors more cautious in their decisions.

Financial Ratios:

currentRatio 0.000000
forwardPE 17.562836
debtToEquity 0.000000
earningsGrowth -0.022000
revenueGrowth 0.011000
grossMargins 0.000000
operatingMargins 0.297720
trailingEps 43.780000
forwardEps 96.360000

HDFC Bank Limited's Forward PE ratio is favorable, indicating that the stock price is well-positioned in relation to its earnings. It is not overpriced, leaving room for growth, which makes it a solid option for investors seeking both stability and future appreciation.
HDFCBANK's low growth in earnings and revenue points to a likely reduction in profits. This signals a weakening financial performance, indicating the company might face difficulties in staying profitable.
HDFCBANK's negative gross and operating margins suggest that the company is currently unprofitable, both in terms of production and overall operations. This could reflect rising costs or declining revenues, posing challenges for future profitability.
HDFCBANK's forward EPS being higher than its trailing EPS points to expected growth in profitability. This suggests that the company is projected to perform better in the current financial year, with higher earnings forecasted compared to the previous year.

Price projections:

Price projections for HDFCBANK
Price projections for HDFCBANK

HDFCBANK's current price shows alignment with projections, offering no clear risks or opportunities. This neutral stance indicates a stable market environment, where investors may prefer to maintain their positions until more compelling information surfaces.

Insider Transactions:

Insider Transactions for HDFCBANK
Insider Transactions for HDFCBANK


58 HDFCBANK shares were sold in recent transactions, with market price at 1718.951727505388.During the review period, no sell transactions were executed.An increase in buying activity relative to selling at HDFCBANK's current price might suggest a favorable sentiment among investors. This trend could be interpreted as a sign that the stock has a positive outlook in the near term.

Recommendation changes over time:

Recommendations trend for HDFCBANK
Recommendations trend for HDFCBANK


HDFCBANK has been receiving a buy bias from analysts, signaling strong confidence in the stock's future performance. This positive outlook might drive investors to view HDFCBANK as an attractive option for their portfolios, positioning the company as a stable and profitable investment choice.