US · HDB
HDFC Bank Limited
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Mumbai 400013
- Website
- hdfcbank.com
Price · as of 2025-03-31
$25.18
Market cap 163.37B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $0.20 | -99.21% |
| Intrinsic Value(DCF) | $145.38 | +477.36% |
| Graham-Dodd Method(GD) | $15.60 | -38.05% |
| Graham Formula(GF) | $39.40 | +56.47% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $7.20 | $3.63 | $32.64 | $2.80 | $9.30 |
| 2012 | $6.65 | $3.40 | $43.11 | $3.20 | $14.20 |
| 2013 | $8.69 | $4.56 | $76.22 | $3.70 | $14.90 |
| 2014 | $10.57 | $5.18 | $28.29 | $2.20 | $6.80 |
| 2015 | $12.90 | $6.01 | $20.21 | $3.00 | $8.60 |
| 2016 | $14.64 | $6.85 | $12.34 | $3.40 | $12.30 |
| 2017 | $20.24 | $9.53 | $11.82 | $4.00 | $10.70 |
| 2018 | $23.70 | $10.68 | $16.95 | $4.80 | $14.70 |
| 2019 | $29.69 | $13.33 | $29.06 | $6.40 | $19.80 |
| 2020 | $22.11 | $11.02 | $32.76 | $6.50 | $19.80 |
| 2021 | $35.98 | $17.68 | $15.26 | $11.40 | $16.10 |
| 2022 | $26.20 | $13.82 | $6.40 | $11.60 | $14.90 |
| 2023 | $31.72 | $16.45 | $29.01 | $12.20 | $46.00 |
| 2024 | $28.85 | $15.83 | $642.10 | $17.00 | $122.20 |
| 2025 | $38.26 | $21.04 | $883.77 | $15.60 | $39.40 |
AI valuation
Our deep-learning model estimates HDFC Bank Limited's (HDB) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $0.20
- Current price
- $25.18
- AI upside
- -99.21%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$145.38
+477.36% upside
Graham-Dodd
$15.60
-38.05% upside
Graham Formula
$39.40
+56.47% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| HDB | HDFC Bank Limited | $25.18 | 163.37B | -16% | +477% | -38% | +56% | 25.23 | 2.26 | 4.13 | 16.85 | 954.41 | 3.70 | 52.21% | 20.54% | 16.06% | 9.39% | 12.37% | 1.49% | 0.97 | 0.47 | 0.34 | 0.33 | 4.58 | 264.00% | 1915.00% | 1660.00% | 6.52% | 0.04 | 20.34% | 0.91% | 23.00% | 3.75% | 18.09 | 13.80 | 3.71 | -0.01 |
| AFL | Aflac Incorporated | $112.93 | 59.19B | -22% | -39% | -50% | — | 16.48 | 2.04 | 3.45 | 11.27 | — | 2.94 | 38.93% | 26.61% | 20.91% | 13.12% | -119.49% | 3.12% | 0.29 | 21.10 | — | — | 0.39 | -2908.00% | -884.00% | 3705.00% | 6.17% | — | -118.76% | 1.99% | 32.90% | 7.87% | 13.41 | 16.78 | 3.57 | 1.43 |
| DB | Deutsche Bank AG | $35.42 | 67.67B | +222% | -58% | +67% | -97% | 9.47 | 0.83 | 1.08 | -5.79 | 7.54 | 0.92 | 49.95% | 15.96% | 11.39% | 8.86% | -795.07% | 0.49% | 2.98 | 0.34 | 15.91 | 15.91 | 7.13 | 12555.00% | -825.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | -5.79 | — | -0.92 | 0.37 |
| ITUB | Itaú Unibanco Holding S.A… | $9.05 | 99.79B | +131% | +61% | — | +112% | 11.94 | 2.57 | 1.37 | 26.68 | 300.88 | 2.91 | 34.49% | 13.07% | 11.66% | 21.17% | 5.41% | 1.48% | 4.95 | 0.23 | 0.77 | 0.00 | 17.57 | 397.00% | 1803.00% | -23064.00% | 24.42% | 0.14 | 15.12% | 9.02% | 107.70% | 9.59% | 30.60 | 11.99 | 4.00 | 0.20 |
| JPM | JPMorgan Chase & Co. | $300.30 | 809.92B | -24% | +27% | -59% | -21% | 14.61 | 2.29 | 2.96 | 6.60 | 962.11 | 2.78 | 60.01% | 25.89% | 20.35% | 16.06% | -20.56% | 1.35% | 1.38 | 0.74 | 14.85 | 14.85 | 2.16 | 152.00% | 353.00% | -34009.00% | 12.16% | 1.56 | -36.35% | 2.00% | 29.30% | 21.26% | 6.60 | 4.75 | 1.71 | 0.62 |
| LYG | Lloyds Banking Group plc | $5.55 | 81.58B | +524% | +6,233% | -48% | +486% | 14.87 | 1.46 | 0.94 | 13.30 | 185.88 | 1.83 | 29.88% | 10.25% | 7.17% | 9.37% | 7.13% | 0.44% | 2.11 | 0.39 | 0.94 | 0.91 | 4.73 | 800.00% | 7281.00% | -9286.00% | -1.02% | 0.06 | -0.94% | 3.21% | 47.70% | 5.95% | 13.30 | -141.76 | 1.36 | 0.14 |
| SMFG | Sumitomo Mitsui Financial… | $22.44 | 85.9B | -22% | -73% | +8% | +61% | 7.51 | 0.60 | 0.92 | -18.49 | 28.76 | 0.65 | 48.90% | 17.60% | 12.20% | 8.02% | -2.38% | 0.39% | 3.96 | 0.37 | 0.45 | 0.45 | -8.73 | 2613.00% | 1016.00% | 173379.00% | 52.01% | 0.02 | -9.22% | 4.66% | 35.00% | 7.50% | -21.54 | -7.96 | -3.79 | -0.39 |
| TFC | Truist Financial Corporat… | $49.31 | 63.08B | +17% | -22% | -53% | +177% | 11.83 | 0.96 | 2.06 | 12.37 | 86.43 | 1.34 | 62.21% | 20.86% | 17.44% | 8.24% | 6.20% | 0.98% | 1.07 | 0.63 | 0.87 | 0.87 | 4.74 | 1369.00% | 2550.00% | 0.00% | 3.45% | 0.01 | 2.53% | 4.77% | 56.50% | 10.34% | 13.74 | 40.31 | 2.87 | 0.11 |
| USB | U.S. Bancorp | $54.66 | 85B | +4% | -5% | +6% | -24% | 11.22 | 1.30 | 1.98 | 11.27 | 51.87 | 1.78 | 62.83% | 22.20% | 17.68% | 12.23% | 17.78% | 1.10% | 1.20 | 0.66 | 2.73 | 2.73 | 3.02 | 2164.00% | 35.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 12.19 | — | 2.71 | 0.40 |
| WFC | Wells Fargo & Company | $81.44 | 255.63B | -20% | -23% | -36% | -44% | 12.29 | 1.45 | 2.13 | 6.91 | 69.48 | 1.68 | 64.80% | 20.40% | 17.27% | 11.86% | 19.51% | 1.05% | 1.07 | 0.63 | 13.79 | 13.79 | 5.24 | 1769.00% | -149.00% | -72606.00% | -7.24% | -1.04 | -17.36% | 2.47% | 30.40% | 9.90% | 8.05 | -10.67 | 1.64 | 0.46 |
About HDFC Bank Limited
HDFC Bank Limited provides various banking and financial services to individuals and businesses in India, Bahrain, Hong Kong, and Dubai. It operates in Treasury, Retail Banking, Wholesale Banking, Other Banking Business, and Unallocated segments. The company 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, overdrafts against fixed deposits, and sweep-in facilities. It also provides personal, home, car, two wheeler, business, educational, gold, consumer, and rural loans; loans against properties, securities, 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 and professional loans. The company 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. It provides short term finance, bill discounting, structured finance, export credit, loan syndication, 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. As of March 31, 2022, the company had 21,683 banking outlets; 6,342 branches; and 18,130 automated teller machines in 3,188 cities/towns. HDFC Bank Limited was incorporated in 1994 and is based in Mumbai, India.
- CEO
- Sashidhar Jagdishan
- Employees
- 214.52K
- Beta
- 0.40
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($145.38 ÷ $25.18) − 1 = +477.36% (DCF, example).