Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial - Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
HDB 
HDFC Bank Limited ADR (HDB)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- 1Y
- 1M
- 1W
Upturn Advisory Summary
11/17/2025: HDB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $43.92
1 Year Target Price $43.92
| 3 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -4.72% | Avg. Invested days 41 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/17/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 186.78B USD | Price to earnings Ratio 24.62 | 1Y Target Price 43.92 |
Price to earnings Ratio 24.62 | 1Y Target Price 43.92 | ||
Volume (30-day avg) 4 | Beta 0.45 | 52 Weeks Range 28.05 - 39.34 | Updated Date 11/17/2025 |
52 Weeks Range 28.05 - 39.34 | Updated Date 11/17/2025 | ||
Dividends yield (FY) 1.03% | Basic EPS (TTM) 1.48 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Revenue by Geography
Earnings Date
Report Date 2025-10-18 | When Before Market | Estimate 0.36 | Actual 0.41 |
Profitability
Profit Margin 26.96% | Operating Margin (TTM) 39.47% |
Management Effectiveness
Return on Assets (TTM) 1.65% | Return on Equity (TTM) 10.84% |
Valuation
Trailing PE 24.62 | Forward PE 16.98 | Enterprise Value 4993824325632 | Price to Sales(TTM) 0.07 |
Enterprise Value 4993824325632 | Price to Sales(TTM) 0.07 | ||
Enterprise Value to Revenue 10.85 | Enterprise Value to EBITDA - | Shares Outstanding 5125551381 | Shares Floating 15296322599 |
Shares Outstanding 5125551381 | Shares Floating 15296322599 | ||
Percent Insiders 0.03 | Percent Institutions 13.96 |
Upturn AI SWOT
HDFC Bank Limited ADR
Company Overview
History and Background
HDFC Bank was incorporated in 1994 and commenced operations in 1995. It was one of the first private sector banks to receive approval from the Reserve Bank of India (RBI). The bank has grown organically and through acquisitions, becoming one of the largest private sector banks in India.
Core Business Areas
- Retail Banking: Offers a range of financial products and services to individuals, including savings accounts, current accounts, credit cards, loans, and investment products.
- Wholesale Banking: Provides banking services to corporations, including working capital loans, trade finance, and treasury services.
- Treasury: Manages the bank's investment portfolio and liquidity.
- Other Banking Operations: Provides para banking activities and provides services such as bancassurance.
Leadership and Structure
The leadership team consists of the CEO, CFO, and heads of various departments. The organizational structure is hierarchical, with clearly defined roles and responsibilities.
Top Products and Market Share
Key Offerings
- Savings Accounts: HDFC Bank offers a variety of savings accounts with different interest rates and features. HDFC has a significant market share in the private banking sector in India. Competitors include ICICI Bank, Axis Bank, and State Bank of India (SBI).
- Credit Cards: HDFC Bank is a leading credit card issuer in India, with a large customer base and a wide range of card options. HDFC Bank is a market leader. Competitors include SBI Card, ICICI Bank, and Axis Bank.
- Loans: HDFC Bank provides various loans, including personal loans, home loans, and auto loans. The bank has a sizeable lending portfolio. Competitors include ICICI Bank, Axis Bank, and State Bank of India (SBI).
Market Dynamics
Industry Overview
The Indian banking industry is growing, driven by increasing disposable incomes, urbanization, and digitalization. The industry faces challenges such as asset quality issues and regulatory changes.
Positioning
HDFC Bank is positioned as a leading private sector bank in India, known for its strong brand, wide network, and innovative products. The bank focuses on customer service and technology-driven solutions.
Total Addressable Market (TAM)
The total addressable market for the Indian banking sector is estimated to be in the trillions of dollars. HDFC Bank is well-positioned to capture a significant share of this market.
Upturn SWOT Analysis
Strengths
- Strong brand reputation
- Wide branch network
- Advanced technology platform
- High asset quality
- Diversified product portfolio
Weaknesses
- Relatively higher operating costs compared to some competitors
- Dependence on urban markets
- Exposure to regulatory risks
Opportunities
- Expansion into rural markets
- Growth in digital banking
- Increasing demand for financial services
- Strategic alliances with fintech companies
Threats
- Increasing competition from other banks and fintech companies
- Rising interest rates
- Economic slowdown
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- ICICI Bank (IBN)
- Axis Bank (AXISBANK.NS)
- State Bank of India (SBIN.NS)
Competitive Landscape
HDFC Bank has a strong competitive position due to its brand reputation, wide network, and technology investments. However, it faces increasing competition from other banks and fintech companies.
Major Acquisitions
Centurion Bank of Punjab
- Year: 2008
- Acquisition Price (USD millions): 2400
- Strategic Rationale: Expanded HDFC Bank's branch network and customer base, particularly in Northern India.
Growth Trajectory and Initiatives
Historical Growth: HDFC Bank has experienced strong growth in assets, deposits, and profits over the past decade, driven by its focus on customer service, technology, and innovation.
Future Projections: Analysts project continued growth in revenue and earnings, driven by the expanding Indian economy and the bank's strategic initiatives. Expected revenue growth: 15% per year; Expected EPS growth: 12% per year.
Recent Initiatives: Recent initiatives include expanding digital banking services, increasing focus on SME lending, and strategic partnerships with fintech companies.
Summary
HDFC Bank is a strong player in the Indian banking sector with consistent growth. It boasts a strong brand, a wide network, and advanced technology. However, it needs to manage competition and regulatory risks while seizing opportunities in rural markets and digital banking. Its acquisition history also shows a well-thought approach to growth.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Financial Statements
- Analyst Reports
- Industry Publications
- Company Website
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual circumstances and consultation with a financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About HDFC Bank Limited ADR
Exchange NYSE | Headquaters - | ||
IPO Launch date 2001-07-20 | MD, CEO & Director Mr. Sashidhar Jagdishan | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 220339 | Website https://www.hdfc.bank.in |
Full time employees 220339 | Website https://www.hdfc.bank.in | ||
HDFC Bank Limited provides banking and financial products and services to individuals and businesses in India, Bahrain, Hong Kong, Singapore, and Dubai. The company operates through Treasury, Retail Banking, Wholesale Banking, Other Banking Business, Insurance Business, and Other segments. It offers 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, commercial vehicle finance, dealer finance, and term loans. In addition, it offers credit, debit, prepaid, forex, and kisan gold cards; payment and collection, export, import, remittance, bank guarantee, letter of credit, trade, hedging, and merchant and cash management services; and insurance and investment products. Further, the company provides short term finance, bill discounting, structured finance, export credit, loan repayment, custodial, and documents collection services; online, mobile, and phone banking services; unified payment interface, immediate payment, national electronic funds transfer, and real time gross settlement services; channel financing, vendor financing, reimbursement account, money market, derivatives, employee trusts, cash surplus corporates, tax payment, and bankers to rights/public issue services; and 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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.