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HDB logo HDB
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HDFC Bank Limited ADR (HDB)

Upturn stock ratingUpturn stock rating
$76.67
Last Close (24-hour delay)
Profit since last BUY20.32%
upturn advisory
Consider higher Upturn Star rating
BUY since 70 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
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Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
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Time period over
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Upturn Advisory Summary

06/30/2025: HDB (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

4 Analysts rated it

Limited analyst coverage, niche firm, research info may be scarce.

1 Year Target Price $84.72

1 Year Target Price $84.72

Analysts Price Target For last 52 week
$84.72Target price
Low$56.58
Current$76.67
high$78.14

Analysis of Past Performance

Type Stock
Historic Profit -18.06%
Avg. Invested days 30
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 1.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/30/2025

Key Highlights

Company Size Large-Cap Stock
Market Capitalization 196.89B USD
Price to earnings Ratio 23.92
1Y Target Price 84.72
Price to earnings Ratio 23.92
1Y Target Price 84.72
Volume (30-day avg) 4
Beta 0.57
52 Weeks Range 56.58 - 78.14
Updated Date 06/30/2025
52 Weeks Range 56.58 - 78.14
Updated Date 06/30/2025
Dividends yield (FY) 1.01%
Basic EPS (TTM) 3.22

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Revenue by Geography

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 25.95%
Operating Margin (TTM) 36.81%

Management Effectiveness

Return on Assets (TTM) 1.74%
Return on Equity (TTM) 14.57%

Valuation

Trailing PE 23.92
Forward PE 16.98
Enterprise Value 4599351083008
Price to Sales(TTM) 0.07
Enterprise Value 4599351083008
Price to Sales(TTM) 0.07
Enterprise Value to Revenue 7.59
Enterprise Value to EBITDA -
Shares Outstanding 2555970048
Shares Floating 7624743523
Shares Outstanding 2555970048
Shares Floating 7624743523
Percent Insiders -
Percent Institutions 14.36

Analyst Ratings

Rating 2
Target Price 84.72
Buy 1
Strong Buy 3
Buy 1
Strong Buy 3
Hold -
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

HDFC Bank Limited ADR

stock logo

Company Overview

overview logo History and Background

HDFC Bank Limited ADR was established in 1994 following the liberalization of the Indian banking sector. It quickly became a prominent player, focusing on technology and customer service. Over the years, it expanded its services and reach through organic growth and strategic acquisitions, establishing itself as a leading private sector bank in India.

business area logo Core Business Areas

  • Retail Banking: Offers a wide range of products and services to individual customers, including savings accounts, current accounts, loans (personal, auto, home), credit cards, debit cards, and investment products.
  • Wholesale Banking: Provides banking solutions to corporations, including working capital finance, term loans, trade finance, cash management services, and treasury products.
  • Treasury: Manages the bank's investment portfolio, foreign exchange operations, and money market activities.
  • Other Banking Services: Include Insurance and wealth management services

leadership logo Leadership and Structure

HDFC Bank is led by a Board of Directors and a management team headed by the Managing Director & CEO. The organizational structure is hierarchical, with various departments and divisions responsible for different aspects of the bank's operations. The Bank's structure is decentralized to foster efficiency.

Top Products and Market Share

overview logo Key Offerings

  • Market Share: Difficult to obtain exact market share numbers but they are among the top 3 in this space.
  • Savings Accounts: Core product for retail customers, offering various interest rates and features. HDFC Bank has a sizable market share in savings accounts in India. Competitors include ICICI Bank, State Bank of India, and Axis Bank.
  • Loans (Personal, Auto, Home): Provides various loan products to meet different customer needs. Faces competition from other banks and NBFCs. HDFC Bank is among the top lenders in India.
  • Market Share: Difficult to obtain exact market share numbers but they are among the top 3 in this space.
  • Credit Cards: HDFC Bank is a major player in the Indian credit card market. Competitors include SBI Cards, ICICI Bank, and Axis Bank.
  • Market Share: HDFC Bank typically holds one of the largest shares of outstanding credit cards in India, but it fluctuates depending on promotional events from its competitors.

Market Dynamics

industry overview logo Industry Overview

The Indian banking industry is undergoing significant transformation, driven by technological advancements, increasing competition, and evolving customer expectations. Regulatory changes and macroeconomic factors also play a crucial role.

Positioning

HDFC Bank is one of the leading private sector banks in India, known for its technological innovation, customer-centric approach, and strong financial performance. It competes with both public sector and private sector banks, as well as NBFCs.

Total Addressable Market (TAM)

The Indian banking sector has a massive TAM, with significant growth potential driven by increasing financial inclusion and economic development. HDFC Bank is well-positioned to capture a substantial portion of this market.

Upturn SWOT Analysis

Strengths

  • Strong brand reputation
  • Extensive branch network
  • Advanced technology platform
  • High asset quality
  • Experienced management team
  • Diversified product portfolio

Weaknesses

  • Relatively higher operating costs compared to some competitors
  • Dependence on urban markets
  • Potentially impacted by economic slowdown
  • ADR liquidity compared to native shares

Opportunities

  • Expanding into rural markets
  • Increasing digital banking adoption
  • Growing wealth management business
  • Strategic acquisitions and partnerships
  • Increasing India's GDP

Threats

  • Increasing competition from fintech companies
  • Rising interest rates
  • Economic downturn
  • Regulatory changes
  • Cybersecurity risks

Competitors and Market Share

competitor logo Key Competitors

  • ICICI Bank (ICICI)
  • Axis Bank (AXISBANK)
  • State Bank of India (SBIN.NS)

Competitive Landscape

HDFC Bank benefits from a strong brand and technologically superior position. However, competition is very intense from both other public and private banks.

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.

HDFC Limited

  • Year: 2023
  • Acquisition Price (USD millions): Not Applicable - Merger
  • Strategic Rationale: Merger to consolidate housing finance operations and enhance synergies

Growth Trajectory and Initiatives

Historical Growth: HDFC Bank has demonstrated strong growth in both assets and profitability over the past decade, driven by its expansion in retail and wholesale banking.

Future Projections: Analysts project continued growth for HDFC Bank, driven by its strong market position and favorable macroeconomic conditions in India.

Recent Initiatives: Recent initiatives include expanding digital banking services, focusing on customer acquisition in rural areas, and strengthening its risk management framework.

Summary

HDFC Bank is a prominent Indian bank that has shown a large amount of growth in the last few decades. It benefits from a good brand and a well-developed tech infrastructure. It should look to expand into rural markets and manage increasing competition to maintain its position in India.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company reports
  • Financial news articles
  • Analyst reports
  • Industry publications

Disclaimers:

The information provided is for informational purposes only and does not constitute financial advice. Market data can be delayed or inaccurate. Please consult with a financial advisor before making any investment decisions.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 214521

HDFC Bank Limited engages in the provision of banking and financial services to individuals and businesses in India, Bahrain, Hong Kong, Singapore, and Dubai. The company operates in three segments: Treasury, Retail Banking, Wholesale Banking, and Other Banking Services. It 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, 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 and commercial vehicle finance, dealer finance, and term loans. In addition, it 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. Further, the company provides short term finance, bill discounting, structured finance, export credit, loan repayment, 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. It operates branches and automated teller machines in various cities/towns. The company was incorporated in 1994 and is headquartered in Mumbai, India.