HDFC Bank Ltd. - ADR

HDFC Bank Ltd. - ADR

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Market Cap$135.31B
Close$

Compare to Similar Companies

P/E RatioDividendsReturn on EquityPrice-to-SalesDebt-to-Equity
HDFC Bank Ltd. - ADRHDFC Bank Ltd. - ADR16.61.89%13%-1

Earnings Call Q1 2027

July 18, 2026 - AI Summary

Operating resilience + franchise strength despite 4-month challenges - Management emphasized strong customer focus and “steadfast focus on customer needs” through a difficult period, with pride in employee execution. - Board leadership transition: Interim Chairman Keki Mistry during the period; new Chairman Rajiv Kumar appointed → management expects “stability” and reduced uncertainty.
Balance sheet growth: deposits improving vs historical Q1 patterns; advances gaining momentum - Deposits: “Relatively better” growth than typical historical Q1 trends, plus market-share gains on both incremental and stock basis. - Advances: Management said it is on the verge of “pressing the pedal” after strong performance over the last 3–4 quarters, with momentum continuing. - Savings/current mix: Noted as a focus area—CASA ratio has been pressured, but they attribute it to structural deposit composition shifts and acquisition guardrails (details below).
Margins: cost of funds is the main swing factor; any “bottoming out” is cautious - CFO/CEO framed margins around (1) cost of funds (largest opportunity) and (2) asset yield/mix. - Deposit cost headwinds: non-retail deposit costs still “elevated”; borrowing mix still present (stated ~11% borrowing mix, watched closely). - Policy tailwinds for funding: management pointed to FCNR-related and other policy windows as helping stabilize rates/flows (to moderate non-retail costs). - Expectation: margin movement is not instant quarter-to-quarter due to timing and mix effects; management is more confident on full-year basis than near-term. - Surprising/less optimistic investor takeaway: they did not give a clean “margins have bottomed now” certainty—assets and funding mix will take time.

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$101.85

Current Fair Value

339.4% upside

Undervalued by 339.4% based on the discounted cash flow analysis.

Share Statistics

Market cap$135.31 Billion
Enterprise Value$2.85 Trillion
Dividend Yield$0.88 (1.89%)
Earnings per Share$468.57
Beta0.42
Outstanding Shares1,710,520,666

Return

Return on Equity13.32%ROE
Return on Assets1.59%
Return on Invested Capital2.23%

Valuation & Multiples

P/E Ratio16.56P/E Ratio
PEG170.18PEG
Price to Sales0.01Price to Sales
Price to Book Ratio0.01Price to Book Ratio
Enterprise Value to Revenue0.57
Enterprise Value to EBIT2.66
Enterprise Value to Net Income3
Total Debt to Enterprise2.03
Debt to Equity1Debt to Equity

Revenue Sources

No data

Insider Trades

Last Earnings Call

Report Date
July 20, 2026
EPS Estimate
$0.40
Average shareholder expectation
Revenue Estimate
$5.06 B
Average shareholder expectation

Next Earnings Call

Expected Date
October 16, 2026
EPS Estimate
$0.40
Average shareholder expectation
Revenue Estimate
$5.23 B
Average shareholder expectation

Institutional Put/Call Ratio

Market sentiment based on institutional option activity.

Put/Call Ratio0.0000 264.86%
Total Calls- 100.00%
Total Puts- 100.00%

Institutional Ownership

Holdings and activity of institutional investors.

Ownership %2.38% 10.18%
Total Invested$1.05B 93.46%
Investors Holding73 543.00%

ESG Score

No data

About HDFC Bank Ltd.

Relevant Senate Committees

Joint Committee on Taxation

Working closely with the Finance Committee, this committee's analysis and scoring of tax legislation directly shape US tax policy, which significantly impacts corporate structures, capital markets, and the broader financial landscape relevant to HDFC Bank.

Finance

As the primary committee for US taxation and trade policy, its decisions directly affect corporate profitability, capital flows, and international commerce, all critical factors for HDFC Bank as a major international financial institution.

Banking, Housing, and Urban Affairs

This committee directly regulates the US financial system (Fed, SEC). Its decisions on bank capital, financial regulations, and market oversight are highly relevant for any international bank with US capital market exposure (ADRs) or potential US operations.

Foreign Relations

As an Indian commercial bank with international operations and US-listed ADRs, HDFC Bank is significantly exposed to US foreign policy, sanctions, and global economic stability, all directly influenced by this committee.