HDFC Bank LimitedHDB
NYSE • Financial Services
$23.88
P/E
0.10
PEG
—
FCF Yield
—
Rev Growth YoY
+72.5% YoY
Gross Margin
58.4%
Health Score
8/10
D/E Ratio
1.00
Confidence
LOW
Business Snapshot
HDFC Bank is a leading private sector bank in India, with its primary revenue generated from retail and wholesale lending, deposit-taking, and fee-based financial services. It operates in the highly competitive Indian banking sector, where it holds a top-tier position among private banks by assets, loans, and deposits. The bank reports a massive TTM revenue of $5.00T and net income of $768.12B, reflecting its dominant scale within the Indian financial system. A defining characteristic is its extensive physical and digital branch network, which provides a wide deposit base and strong retail franchise.
Financial Health
Gross margin of 58.4% shows healthy profitability, though it has slipped from 61.0% last year, while net margin of 32.5% indicates strong bottom-line retention. The debt-to-equity ratio of 1.0x is moderate and within a comfortable range for a regional bank, but the current ratio is not available for a full liquidity assessment...
Risk Assessment
- VALUATION — The reported P/E of 0.1x is far below the sector average of 16x; while it signals a deep value opportunity, such an extreme multiple may result from data inconsistency or one-time items and should be treated with caution.
- REVENUE DECELERATION — Revenue grew 72.5% year-over-year but fell 7.2% sequentially quarter-over-quarter, indicating a sharp deceleration in the most recent period that could signal fading momentum.
- 52-WEEK POSITION — The stock trades at $23.88, just 0.5% above its 52-week low of $23.75 and 40% below the 52-week high of $39.81, pointing to prolonged downward price pressure.
- TECHNICALS — RSI, MACD, and moving average data unavailable for this period; momentum cannot be independently confirmed.
- MARGIN COMPRESSION — Gross margin declined from 61.0% last year to 58.4%, suggesting increased cost pressure or competitive pricing that could weigh on future profitability....