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Upturn AI SWOT - About
HDB 
HDFC Bank Limited ADR (HDB)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
08/28/2025: HDB (1-star) is currently NOT-A-BUY. Pass it for now.
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 $89
1 Year Target Price $89
| 3 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -17.92% | Avg. Invested days 34 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 181.90B USD | Price to earnings Ratio 23.79 | 1Y Target Price 89 |
Price to earnings Ratio 23.79 | 1Y Target Price 89 | ||
Volume (30-day avg) 4 | Beta 0.62 | 52 Weeks Range 56.59 - 78.65 | Updated Date 08/29/2025 |
52 Weeks Range 56.59 - 78.65 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 1.06% | Basic EPS (TTM) 2.99 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Revenue by Geography
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.79% | Operating Margin (TTM) 29.77% |
Management Effectiveness
Return on Assets (TTM) 1.73% | Return on Equity (TTM) 13.93% |
Valuation
Trailing PE 23.79 | Forward PE 16.98 | Enterprise Value 5864918351872 | Price to Sales(TTM) 0.07 |
Enterprise Value 5864918351872 | Price to Sales(TTM) 0.07 | ||
Enterprise Value to Revenue 8.28 | Enterprise Value to EBITDA - | Shares Outstanding 2557700096 | Shares Floating 15268497860 |
Shares Outstanding 2557700096 | Shares Floating 15268497860 | ||
Percent Insiders 0.03 | Percent Institutions 14.15 |
Upturn AI SWOT
HDFC Bank Limited ADR
Company Overview
History and Background
HDFC Bank Limited was incorporated in August 1994 and commenced operations as a Scheduled Commercial Bank in January 1995. It was one of the first banks to receive an 'in principle' approval from the Reserve Bank of India (RBI) to set up a private sector bank under the liberalization policies. Over the years, it has grown to become one of the largest private sector banks in India.
Core Business Areas
- Retail Banking: Offers a wide range of banking services to individual customers, including savings accounts, current accounts, credit cards, personal loans, auto loans, and mortgages.
- Wholesale Banking: Provides banking services to corporations, including working capital loans, term loans, trade finance, and cash management services.
- Treasury: Manages the bank's investment portfolio, including government securities, corporate bonds, and foreign exchange.
- Other Banking Services: Includes para banking activities like distribution of mutual funds, insurance products and investment banking services through subsidiaries.
Leadership and Structure
The bank has a board of directors responsible for overseeing the bank's operations. The Managing Director and CEO leads the executive management team. The organizational structure is designed to support the bank's various business lines and functions.
Top Products and Market Share
Key Offerings
- Savings Accounts: Offers a range of savings accounts with different interest rates and features. Competitors include ICICI Bank, Axis Bank, and State Bank of India. Market Share data is not directly broken down by product.
- Credit Cards: Provides credit cards with various rewards and benefits. Competitors include SBI Card, ICICI Bank, and Axis Bank. Market Share data is not directly broken down by product.
- Loans (Personal, Auto, Home): Offers various loan products to meet different customer needs. Competitors include Bajaj Finance, ICICI Bank, and State Bank of India. Market Share data is not directly broken down by product.
Market Dynamics
Industry Overview
The Indian banking sector is undergoing rapid transformation, driven by technological advancements, increasing competition, and evolving regulatory landscape. The sector is characterized by a mix of public and private sector banks, as well as foreign banks.
Positioning
HDFC Bank is one of the leading private sector banks in India, known for its strong brand, wide network, and customer-centric approach. It has a competitive advantage in terms of its technology infrastructure and risk management capabilities.
Total Addressable Market (TAM)
The Indian banking sector TAM is estimated to be in the hundreds of billions of USD. HDFC Bank, with its significant market share, is well-positioned to capture a substantial portion of this market.
Upturn SWOT Analysis
Strengths
- Strong brand reputation
- Wide branch network
- Advanced technology infrastructure
- Strong asset quality
- Experienced management team
Weaknesses
- Relatively higher operating costs compared to some competitors
- Geographic concentration in urban areas
- Potential challenges in integrating new technologies
Opportunities
- Growing demand for banking services in rural areas
- Increasing adoption of digital banking
- Expansion into new business segments such as wealth management
- Partnerships with fintech companies
Threats
- Increasing competition from other banks and fintech companies
- Regulatory changes
- Economic slowdown
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- ICICI
- SBIN
- AXISBANK
Competitive Landscape
HDFC Bank benefits from a strong brand and customer loyalty. Its technological advancements are key, though the competition is fierce in every domain in the industry.
Major Acquisitions
Centurion Bank of Punjab
- Year: 2008
- Acquisition Price (USD millions): 2393
- Strategic Rationale: Expanded branch network and customer base, particularly in northern India.
Growth Trajectory and Initiatives
Historical Growth: HDFC Bank has demonstrated strong growth over the past years, driven by its expanding branch network, increasing customer base, and adoption of digital technologies.
Future Projections: Future growth projections vary depending on analyst estimates, but generally indicate continued growth in revenue and profitability.
Recent Initiatives: Recent initiatives include expanding its digital banking platform, focusing on customer experience, and strengthening its risk management framework.
Summary
HDFC Bank is a prominent private sector bank in India, boasting a robust brand and extensive network. Its strengths lie in technological innovation and strong asset quality. Potential challenges include fierce competition and regulatory changes, however, the bank is taking initiatives to strengthen its position and growth with digital banking.
Peer Comparison
Sources and Disclaimers
Data Sources:
- HDFC Bank Annual Reports
- Industry Reports
- Financial News Sources
Disclaimers:
The information provided is for general informational purposes only and does not constitute financial advice. Market share data are estimates and may vary depending on the source.
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 214521 | Website https://www.hdfcbank.com |
Full time employees 214521 | Website https://www.hdfcbank.com | ||
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.
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