HDFC Bank Ltd. - ADR

HDFC Bank Ltd. - ADR

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Market Cap$128.54B
Close$

Compare to Similar Companies

P/E RatioDividendsReturn on EquityPrice-to-SalesDebt-to-Equity
HDFC Bank Ltd. - ADRHDFC Bank Ltd. - ADR15.81.99%13%-1

Earnings Call Q4 2026

April 18, 2026 - AI Summary

Strong Growth in Credit and Deposits: HDFC Bank experienced a 12% growth in credit for FY '26, up from 5.5% the previous year, indicating a significant rebound. Deposit growth was robust at 14.4%, consistently outpacing credit growth and reflecting strong customer acquisition strategies. The bank's loan-to-deposit ratio (LDR) is no longer a constraint, allowing room for future lending.
Future Growth Outlook: The bank aims to maintain above-sector growth, with expectations to continue taking market share from corporate and retail segments. Retail loan growth is expected to pick up momentum due to digital initiatives, increased locations for mortgage distribution, and effective cross-selling strategies. However, geopolitical issues may temper this growth in the near term.
Improving Cost Efficiency: The cost-to-income ratio has improved from 40.5% to 39.5% on a core basis, driven by operational efficiencies and stable return on assets (ROA) at 1.9%. Investments in technology and digital platforms are anticipated to yield further cost savings and enhance return metrics in the coming years.

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$101.85

Current Fair Value

305.9% upside

Undervalued by 305.9% based on the discounted cash flow analysis.

Share Statistics

Market cap$128.54 Billion
Enterprise Value$2.84 Trillion
Dividend Yield$1.54 (1.99%)
Earnings per Share$468.57
Beta0.43
Outstanding Shares1,710,520,666

Return

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

Valuation & Multiples

P/E Ratio15.75P/E Ratio
PEG161.92PEG
Price to Sales0.01Price to Sales
Price to Book Ratio0.01Price to Book Ratio
Enterprise Value to Revenue0.57
Enterprise Value to EBIT2.65
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
April 18, 2026
EPS Estimate
$0.39
Average shareholder expectation
Revenue Estimate
$5.10 B
Average shareholder expectation

Next Earnings Call

Expected Date
July 17, 2026
EPS Estimate
$0.39
Average shareholder expectation
Revenue Estimate
$5.06 B
Average shareholder expectation

Institutional Put/Call Ratio

Market sentiment based on institutional option activity.

Put/Call Ratio2.6486 2.22%
Total Calls299,700 38.94%
Total Puts793,800 37.79%

Institutional Ownership

Holdings and activity of institutional investors.

Ownership %12.55% 0.43%
Total Invested$16.04B 34.00%
Investors Holding615 58.00%

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.