Stocktoria
HDFC BANK LTD HDB
HDFC BANK LTD (HDB) earns a Piotroski F-score of 5/9 (mixed financial health). It pays a dividend (safety: safe). FY2025 revenue was $25.6B at a 30.8% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2024-07-22 | JP Morgan | Neutral (down) |
| 2019-09-09 | Bernstein | Market Perform (down) |
| 2019-06-11 | Nomura | Neutral (down) |
| 2017-03-21 | Morgan Stanley | Equal-Weight (down) |
| 2016-09-14 | Goldman Sachs | Buy (main) |
| 2015-03-11 | Societe Generale | Buy (init) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| HDB | HDFC BANK LTD | 5/9 | — | — | +15.2% |
| NTB | Bank of N.T. Butterfield & Son Ltd | 7/9 | — | 10.4 | +4.6% |
| PGC | PEAPACK GLADSTONE FINANCIAL CORP | 6/9 | — | 22.8 | +24.1% |
| MUFG | MITSUBISHI UFJ FINANCIAL GROUP INC | 4/9 | — | — | +9.5% |
| MFG | MIZUHO FINANCIAL GROUP INC | 4/9 | — | — | +7.6% |
| NMR | NOMURA HOLDINGS INC | 2/9 | — | — | +0.5% |
| IX | ORIX CORP | 7/9 | — | — | +15.9% |
All Finance, Insurance & Real Estate companies →
About HDFC BANK LTD
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.
FAQ
Is HDB financially healthy?
HDFC BANK LTD's Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak).
Does HDB pay a dividend, and is it safe?
Yes. HDFC BANK LTD pays a dividend with a 23.5% payout ratio, rated “safe” for safety.
How profitable is HDB?
In FY2025, HDFC BANK LTD had a net margin of 30.8% and a return on equity of 7.8%.
Is HDB overvalued or undervalued?
HDFC BANK LTD trades at about 22.2× trailing earnings — below its 10-year norm (10-year range 22.8×–47.4×, median 34.9×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for HDB?
The average Wall-Street price target for HDFC BANK LTD is $34.42, about 49.0% above the recent price, from 4 analysts (consensus: strong buy).
Is HDB a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on HDFC BANK LTD: a Piotroski F-score of 5/9. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-03-31. Facts plus Stocktoria's own computed scores — not investment advice.