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HDB logo HDB
Upturn stock rating
HDB logo

HDFC Bank Limited ADR (HDB)

Upturn stock rating
$36.74
Last Close (24-hour delay)
upturn advisory
PASS
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

10/17/2025: HDB (2-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

rating

Below Average Performance

These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.

Number of Analysts

rating

4 Analysts rated it

Very few follow this stock; limited insights, higher-risk early investing.

1 Year Target Price $44.1

1 Year Target Price $44.1

Analysts Price Target For last 52 week
$44.1 Target price
52w Low $28.05
Current$36.74
52w High $39.34

Analysis of Past Performance

Type Stock
Historic Profit -3.84%
Avg. Invested days 44
Today’s Advisory PASS
Upturn Star Rating upturn star rating icon
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulation Last Close 10/17/2025

Key Highlights

Company Size Large-Cap Stock
Market Capitalization 188.15B USD
Price to earnings Ratio 24.49
1Y Target Price 44.1
Price to earnings Ratio 24.49
1Y Target Price 44.1
Volume (30-day avg) 4
Beta 0.58
52 Weeks Range 28.05 - 39.34
Updated Date 10/18/2025
52 Weeks Range 28.05 - 39.34
Updated Date 10/18/2025
Dividends yield (FY) 1.02%
Basic EPS (TTM) 1.5

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Revenue by Geography

Earnings Date

Report Date 2025-10-18
When After Market
Estimate 0.36
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 24.49
Forward PE 16.98
Enterprise Value 5338354941952
Price to Sales(TTM) 0.07
Enterprise Value 5338354941952
Price to Sales(TTM) 0.07
Enterprise Value to Revenue 8.33
Enterprise Value to EBITDA -
Shares Outstanding 5121219715
Shares Floating 15267578901
Shares Outstanding 5121219715
Shares Floating 15267578901
Percent Insiders 0.03
Percent Institutions 14.11

ai summary icon Upturn AI SWOT

HDFC Bank Limited ADR

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Peer Comparison

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.

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

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

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

Upturn 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 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.