ScoreWhy is HDFC Bank Ltd. ?
1
Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 1.74%
- Healthy long term growth as Net profit has grown by an annual rate of 20.06%
- The Bank has a high Capital Adequacy Ratio of 17.65% signifying high buffers against its risk based assets
2
Positive results in Sep 25
- OPERATING CF(Y) Highest at Rs 145,177.30 Cr
- DPS(Y) Highest at Rs 22.00
- DPR(Y) Highest at 25.00%
3
High Institutional Holdings at 84.65%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
4
Company is among the highest 1% of companies rated by MarketsMojo across all 4,000 stocks
- It is ranked 2 across all Large Cap and 21 across the entire market
5
With its market cap of Rs 15,38,943 cr, it is the biggest company in the sector and constitutes 39.95% of the entire sector
- Its annual Sales of Rs 307,627.89 are 33.02% of the industry
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
16.90%
Net Profit Growth (5y)
19.60%
Advance to Deposit
96.30%
Capital Adequacy Ratio (Tier 1)
17.29%
Gross NPA (latest)
1.24%
Gross NPA (avg)
1.28%
Coverage Ratio (avg)
70.61%
Cost to Income (avg)
39.05%
Net Interest Margin (avg)
3.95%
Operating Profit to Assets (avg)
5.30%
ROA (avg)
1.76%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
20
Price to Book Value
2.65
PEG Ratio
2.03
Dividend Yield
1.45%
ROE (Latest)
13.58%
ROA (Latest)
1.79%
Net NPA to Book Value
2.23
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Sideways
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
PAT(Q)
Highest at Rs 18,653.75 cr.
GROSS NPA(Q)
Lowest at 1.24%
NII(Q)
Highest at Rs 32,615.00 cr
CREDIT DEPOSIT RATIO(HY)
Highest at 98.65%
NET NPA(Q)
Lowest at 0.42%
-4What is not working for the Company
CASH AND CASH EQUIVALENTS(HY)
Lowest at Rs 127,574.84 cr
NON-OPERATING INCOME(Q)
is 54.63 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for HDFC Bank
Profit After Tax (PAT) - Quarterly
Highest at Rs 18,653.75 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Gross NPA - Quarterly
Lowest at 1.24%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Net Interest Income (Quarterly)
Highest at Rs 32,615.00 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Net NPA - Quarterly
Lowest at 0.42%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Credit Deposit Ratio - Half Yearly
Highest at 98.65%
in the last four periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for HDFC Bank
Non Operating Income - Quarterly
is 54.63 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
Cash and Cash Equivalents - Half Yearly
Lowest at Rs 127,574.84 cr
in the last six half yearly periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
