HDFC Bank Limited(HDB)Earnings, Financials & Key Ratios
HDB•NYSE•Banking & Credit
$24.83
$190B mkt cap·17.0× P/E·Price updated May 6, 2026
AboutHDFC Bank Limited provides various banking and financial services to individuals and businesses in India, Bahrain, Hong Kong, and Dubai. It operates in Treasury, Retail Banking, Wholesale Banking, Other Banking Business, and Unallocated segments. The company 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, overdrafts against fixed deposits, and sweep-in facilities. It also provides personal, home, car, two wheeler, business, educational, gold, consumer, and rural loans; loans against properties, securities, 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 and professional loans. The company 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. It provides short term finance, bill discounting, structured finance, export credit, loan syndication, 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. As of March 31, 2022, the company had 21,683 banking outlets; 6,342 branches; and 18,130 automated teller machines in 3,188 cities/towns. HDFC Bank Limited was incorporated in 1994 and is based in Mumbai, India.Show more
- Net Interest Income$1404.49B+12.5%
- Total Revenue$4194.99B+19.1%
- Net Income$673.51B+8.2%
- Return on Equity8.16%-29.2%
- Net Interest Margin2.91%+3.0%
- Efficiency Ratio31.67%-2.9%
- ROA1.46%-18.1%
- Equity / Assets17.89%+0.1%
- Book Value per Share1688.12+1.6%
- Tangible BV/Share1100.73+7.5%
- Debt/Equity0.86-16.3%
HDB Key Insights
HDFC Bank Limited (HDB) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong 5Y profit CAGR of 20.9%
- ✓Efficient operations: 31.7% efficiency ratio
- ✓Well capitalized: 17.9% equity/assets
- ✓Trading at only 1.4x book value
✗Weaknesses
- ✗Weak momentum: RS Rating 14 (bottom 14%)
- ✗Trading more than 30% below 52-week high
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
HDB Price & Volume
HDFC Bank Limited (HDB) stock price & volume — 10-year historical chart
Loading chart...
HDB Growth Metrics
HDFC Bank Limited (HDB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years21.87%
5 Years24.36%
3 Years37.78%
TTM-
Profit CAGR
10 Years21.11%
5 Years20.94%
3 Years20.39%
TTM3.41%
EPS CAGR
10 Years15.54%
5 Years13.31%
3 Years10.6%
TTM5.07%
Return on Capital
10 Years3.41%
5 Years3.99%
3 Years4.18%
Last Year4.62%
HDB Recent Earnings
HDFC Bank Limited (HDB) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 9/12 qtrs (82%)●Beat Revenue 8/12 qtrs (80%)
Q2 2026Latest
Apr 18, 2026EPS
$0.43
Est $0.39
+10.3%
Revenue
$5.0B
Est $5.1B
-2.5%
Q1 2026
Jan 17, 2026EPS
$0.43
Est $0.39
+10.3%
Revenue
$5.0B
Est $5.1B
-1.2%
Q4 2025
Oct 18, 2025EPS
$0.44
Est $0.36
+22.2%
Revenue
$5.0B
Est $5.0B
+1.8%
Q3 2025
Jul 19, 2025EPS
$0.37
Est $0.38
-2.6%
Revenue
$6.0B
Est $5.1B
+19.6%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 18, 2026 | $0.43vs $0.39+10.3% | $5.0Bvs $5.1B-2.5% |
| Q1 2026 | Jan 17, 2026 | $0.43vs $0.39+10.3% | $5.0Bvs $5.1B-1.2% |
| Q4 2025 | Oct 18, 2025 | $0.44vs $0.36+22.2% | $5.0Bvs $5.0B+1.8% |
| Q3 2025 | Jul 19, 2025 | $0.37vs $0.38-2.6% | $6.0Bvs $5.1B+19.6% |
Based on last 12 quarters of dataView full earnings history →
HDB Peer Comparison
HDFC Bank Limited (HDB) competitors in Non-US regional and universal banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 IBN | 93.08B | 26.02 | 17.39 | 25.19% | 17.32% | 15.31% | 8.75% | 0.62 |
 HBM | 8.87B | 22.35 | 15.31 | 8.91% | 25.75% | 19.15% | 2.23% | 0.34 |
 ITUB | 94.45B | 8.57 | 10.77 | 18.03% | 11.66% | 20.64% | 27.49% | 4.71 |
 BBD | 40.62B | 3.84 | 8.47 | -64.29% | 26.56% | 13.23% | 2.02 | |
 KB | 38.65B | 108.98 | 10.38 | 34.2% | 11.54% | 9.59% | ||
 SHG | 33.83B | 67.89 | 9.52 | 12.42% | 12.67% | 8.48% | 12.58% | 2.77 |
 WF | 17.06B | 70.03 | 7.84 | 9.44% | 11.67% | 8.76% | 26.96% | 2.77 |
 BAC | 404.29B | 53.12 | 13.91 | -1.91% | 16.23% | 10.1% | 3.12% | 1.21 |
Compare HDB vs Peers
HDFC Bank Limited (HDB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
HDB Income Statement
HDFC Bank Limited (HDB) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 351.8B | 423.15B | 507.51B | 593.53B | 683.69B | 748.84B | 913.99B | 1.25T | 1.4T | 1.46T |
| NII Growth % | 20.33% | 20.28% | 19.93% | 16.95% | 15.19% | 9.53% | 22.05% | 36.54% | 12.54% | 32.16% |
| Net Interest Margin % | 3.88% | 3.72% | 3.82% | 3.72% | 3.8% | 3.55% | 3.55% | 2.83% | 2.91% | 3.24% |
| Interest Income | 725.55B | 843.47B | 1.04T | 1.21T | 1.28T | 1.33T | 1.69T | 2.78T | 3.23T | 3.34T |
| Interest Expense | 373.76B | 420.31B | 534.21B | 618.46B | 592.28B | 584.3B | 775.54B | 1.53T | 1.82T | 1.88T |
| Loan Loss Provision | 37.95B | 59.4B | 72.28B | 117.62B | 154.23B | 126.98B | 74.21B | 133.06B | 181.38B | 313.72B |
| Non-Interest Income | 110.33B | 144.61B | 160.12B | 198.22B | 252.98B | 270.57B | 291.39B | 738.93B | 967.02B | 1.01T |
| Non-Interest Income % | 13.2% | 14.64% | 13.32% | 14.06% | 16.55% | 16.87% | 14.71% | 20.99% | 23.05% | 23.13% |
| Total Revenue | 835.88B▲ 0% | 988.07B▲ 18.2% | 1.2T▲ 21.6% | 1.41T▲ 17.3% | 1.53T▲ 8.4% | 1.6T▲ 4.9% | 1.98T▲ 23.5% | 3.52T▲ 77.7% | 4.19T▲ 19.1% | 4.34T▲ 0% |
| Revenue Growth % | 15.73% | 18.21% | 21.63% | 17.34% | 8.42% | 4.89% | 23.52% | 77.74% | 19.15% | 44.91% |
| Non-Interest Expense | 204.2B | 231.25B | 255.39B | 308.28B | 342.6B | 373.27B | 468.78B | 1.15T | 1.33T | 1.28T |
| Efficiency Ratio | 24.43% | 23.4% | 21.25% | 21.86% | 22.41% | 23.28% | 23.66% | 32.62% | 31.67% | 29.5% |
| Operating Income | 219.97B▲ 0% | 277.11B▲ 26.0% | 339.96B▲ 22.7% | 365.84B▲ 7.6% | 439.83B▲ 20.2% | 519.16B▲ 18.0% | 662.38B▲ 27.6% | 705.46B▲ 6.5% | 861.55B▲ 22.1% | 873.84B▲ 0% |
| Operating Margin % | 26.32% | 28.05% | 28.29% | 25.94% | 28.77% | 32.37% | 33.44% | 20.04% | 20.54% | 20.11% |
| Operating Income Growth % | 18.52% | 25.98% | 22.68% | 7.61% | 20.22% | 18.04% | 27.59% | 6.5% | 22.13% | - |
| Pretax Income | 219.97B▲ 0% | 277.11B▲ 26.0% | 339.96B▲ 22.7% | 365.84B▲ 7.6% | 439.83B▲ 20.2% | 519.16B▲ 18.0% | 662.38B▲ 27.6% | 705.46B▲ 6.5% | 861.55B▲ 22.1% | 873.84B▲ 0% |
| Pretax Margin % | 26.32% | 28.05% | 28.29% | 25.94% | 28.77% | 32.37% | 33.44% | 20.04% | 20.54% | 20.11% |
| Income Tax | 79.22B | 98.27B | 119.39B | 105.48B | 113.82B | 132.56B | 166.12B | 77.83B | 175.01B | 167.76B |
| Effective Tax Rate % | 36.02% | 35.46% | 35.12% | 28.83% | 25.88% | 25.53% | 25.08% | 11.03% | 20.31% | 19.2% |
| Net Income | 140.53B▲ 0% | 178.51B▲ 27.0% | 220.1B▲ 23.3% | 260.27B▲ 18.2% | 325.98B▲ 25.2% | 386B▲ 18.4% | 495.45B▲ 28.4% | 622.66B▲ 25.7% | 673.51B▲ 8.2% | 692.23B▲ 0% |
| Net Margin % | 16.81% | 18.07% | 18.31% | 18.46% | 21.32% | 24.07% | 25.01% | 17.68% | 16.06% | 15.93% |
| Net Income Growth % | 19.18% | 27.03% | 23.3% | 18.25% | 25.25% | 18.41% | 28.35% | 25.68% | 8.17% | 3.41% |
| Net Income (Continuing) | 140.74B | 178.83B | 220.57B | 260.36B | 326.01B | 386.6B | 496.26B | 627.63B | 686.53B | 706.08B |
| EPS (Diluted) | 44.28▲ 0% | 53.07▲ 19.9% | 61.89▲ 16.6% | 74.19▲ 19.9% | 86.40▲ 16.5% | 102.45▲ 18.6% | 123.39▲ 20.4% | 135.03▲ 9.4% | 138.60▲ 2.6% | 135.17▲ 0% |
| EPS Growth % | 17.52% | 19.85% | 16.62% | 19.87% | 16.46% | 18.58% | 20.44% | 9.43% | 2.64% | 5.07% |
| EPS (Basic) | 44.88 | 53.79 | 62.49 | 74.76 | 86.82 | 103.17 | 123.96 | 135.63 | 139.20 | - |
| Diluted Shares Outstanding | 3.44B | 3.49B | 3.61B | 3.67B | 3.68B | 3.71B | 3.73B | 4.74B | 5.11B | 5.12B |
HDB Balance Sheet
HDFC Bank Limited (HDB) balance sheet — assets, liabilities & shareholders' equity
| Line item | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 2.68T | 2.94T | 3.49T | 4.13T | 5.32T | 4.34T | 7.24T | 9.93T | 9.2T | 15.42T |
| Cash & Due from Banks | 566.71B | 719.03B | 855.41B | 726.74B | 1.04T | 1.6T | 2.36T | 3.43T | 3.22T | 1.77T |
| Short Term Investments | 2.11T | 2.22T | 2.63T | 3.41T | 4.28T | 2.74T | 4.88T | 6.5T | 5.97T | 0 |
| Total Investments | 4.26T | 4.61T | 5.53T | 7.12T | 8.65T | 16.86T | 9.89T | 33.27T | 34.64T | 12.5T |
| Investments Growth % | 11.2% | 8.27% | 19.99% | 28.66% | 21.54% | 94.87% | -41.31% | 236.24% | 4.13% | -112.71% |
| Long-Term Investments | 2.15T | 2.39T | 2.9T | 3.71T | 4.38T | 14.12T | 5.01T | 26.76T | 28.66T | 92.69T |
| Accounts Receivables | 67.36B | 77.89B | 97.92B | 325B | 123.69B | 136.49B | 194.53B | 249.94B | 323.23B | 0 |
| Goodwill & Intangibles | 74.94B | 74.94B | 74.94B | 74.94B | 74.94B | 74.94B | 74.94B | 3.03T | 3T | 0 |
| Goodwill | 74.94B | 74.94B | 74.94B | 74.94B | 74.94B | 74.94B | 74.94B | 1.63T | 1.63T | 0 |
| Intangible Assets | 2M | 1M | 0 | 0 | 0 | 0 | 0 | 1.4T | 1.37T | 0 |
| PP&E (Net) | 38.97B | 38.97B | 43.19B | 109.08B | 117.64B | 137.4B | 177.56B | 268.33B | 314.74B | 155.38B |
| Other Assets | -2.26T | -2.5T | -3.02T | 0 | 0 | 2.2T | 0 | 3.52T | 6.32T | 30.72T |
| Total Current Assets | 2.78T | 3.06T | 3.65T | 4.54T | 5.52T | 4.59T | 7.57T | 10.54T | 9.87T | 1.77T |
| Total Non-Current Assets | 2.26T | 2.5T | 3.02T | 3.9T | 4.57T | 16.53T | 5.27T | 33.58T | 38.31T | 43.38T |
| Total Assets | 9.07T▲ 0% | 11.37T▲ 25.4% | 13.28T▲ 16.8% | 15.96T▲ 20.2% | 17.98T▲ 12.6% | 21.11T▲ 17.4% | 25.76T▲ 22.0% | 44.12T▲ 71.3% | 48.19T▲ 9.2% | 45.15T▲ 0% |
| Asset Growth % | 17.19% | 25.37% | 16.83% | 20.19% | 12.64% | 17.43% | 21.99% | 71.3% | 9.22% | 28.15% |
| Return on Assets (ROA) | 1.67% | 1.75% | 1.79% | 1.78% | 1.92% | 1.97% | 2.11% | 1.78% | 1.46% | 1.53% |
| Accounts Payable | 259.03B | 254.24B | 237.99B | 259.3B | 346.04B | 234.72B | 437.29B | 531.48B | 576.84B | 0 |
| Total Debt | 1.05T | 1.71T | 1.7T | 1.47T | 1.48T | 2.34T | 3.24T | 8.15T | 7.46T | 6T |
| Net Debt | 486.47B | 993.08B | 843.2B | 742.81B | 443.06B | 739.26B | 878.07B | 4.72T | 4.23T | 4.22T |
| Long-Term Debt | 730.92B | 932.91B | 1.04T | 1.03T | 1.17T | 1.55T | 2.05T | 6.65T | 5.87T | 6T |
| Short-Term Debt | 322.27B | 779.2B | 654.06B | 377.42B | 239.26B | 706.01B | 1.09T | 1.37T | 1.44T | 0 |
| Other Liabilities | -730.92B | -932.91B | -1.04T | 0 | 0 | 392.49B | 0 | 3.41T | 4T | 5.53T |
| Total Current Liabilities | 581.3B | 1.03T | 892.05B | 636.72B | 585.3B | 16.58T | 1.53T | 25.75T | 29.22T | 27.98T |
| Total Non-Current Liabilities | 730.92B | 932.91B | 1.04T | 1.09T | 1.25T | 2.02T | 2.15T | 10.48T | 10.34T | 11.52T |
| Total Liabilities | 8.04T | 10.19T | 11.64T | 14.07T | 15.82T | 18.6T | 22.84T | 36.23T | 39.56T | 39.5T |
| Total Equity | 1.03T▲ 0% | 1.18T▲ 14.5% | 1.64T▲ 39.0% | 1.9T▲ 15.9% | 2.16T▲ 14.1% | 2.51T▲ 16.0% | 2.92T▲ 16.3% | 7.89T▲ 170.3% | 8.62T▲ 9.3% | 5.64T▲ 0% |
| Equity Growth % | 18.04% | 14.46% | 39.03% | 15.95% | 14.07% | 16% | 16.27% | 170.27% | 9.34% | 8.06% |
| Equity / Assets (Capital Ratio) | 11.34% | 10.35% | 12.32% | 11.88% | 12.03% | 11.89% | 11.33% | 17.87% | 17.89% | 12.5% |
| Return on Equity (ROE) | 14.8% | 16.2% | 15.65% | 14.74% | 16.06% | 16.52% | 18.26% | 11.53% | 8.16% | 12.27% |
| Book Value per Share | 299.00 | 337.29 | 453.22 | 516.30 | 587.31 | 675.68 | 782.80 | 1662.06 | 1688.12 | 1101.97 |
| Tangible BV per Share | 277.20 | 315.80 | 432.46 | 495.90 | 566.96 | 655.50 | 762.69 | 1024.39 | 1100.73 | 1101.97 |
| Common Stock | 5.13B | 5.19B | 5.45B | 5.48B | 5.51B | 5.55B | 5.58B | 7.6B | 7.65B | 15.36B |
| Additional Paid-in Capital | 442.72B | 476.57B | 739.76B | 765.89B | 794.22B | 834.62B | 883.37B | 4.34T | 4.44T | 0 |
| Retained Earnings | 364.47B | 462.88B | 587.24B | 713.34B | 897.87B | 1.15T | 1.45T | 1.75T | 2.1T | 0 |
| Accumulated OCI | 213.73B | 229.53B | 300.13B | 408.37B | 462.02B | 511.49B | 575.47B | 865.6B | 1.15T | 5.38T |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -16.87B | -16.86B | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
HDB Cash Flow Statement
HDFC Bank Limited (HDB) cash flow — operating, investing & free cash flow history
| Line item | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 379.27B | 94.27B | 183.27B | 171.18B | 921.78B | 581.02B | 477.2B | 1.02T | 1.2T | 1.2T |
| Operating CF Growth % | 123.01% | -75.14% | 94.4% | -6.6% | 438.48% | -36.97% | -17.87% | 114.23% | 16.95% | 0% |
| Net Income | 140.74B | 178.83B | 220.57B | 260.36B | 326.01B | 386.6B | 496.26B | 627.63B | 686.53B | 692.23B |
| Depreciation & Amortization | 8.88B | 9.68B | 12.25B | 12.8B | 13.86B | 16.82B | 23.49B | 52.35B | 63.02B | 0 |
| Deferred Taxes | -5.05B | -10.4B | -8.13B | -101.2M | -8.27B | -9.89B | 12.28B | -57.13B | -15.61B | 0 |
| Other Non-Cash Items | 39.3B | 63.19B | 79.51B | 121.3B | 107.23B | 114.7B | 87.62B | 178.04B | 268.46B | -744.46B |
| Working Capital Changes | 187.19B | -153.63B | -126.27B | -230.66B | 472.35B | 58.91B | -156.47B | 201.32B | 168.58B | 0 |
| Cash from Investing | -1.58T | -2.05T | -1.54T | -2.15T | -2.52T | -3.3T | -4.39T | -3.67T | -3.72T | 0 |
| Purchase of Investments | -2.89T | -1.52T | -1.78T | -2.61T | -3.22T | -1.74T | -1.6T | -4.31T | -4.71T | 0 |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 0 |
| Net Investment Activity | -2.89T | -1.52T | -1.78T | -2.61T | -3.22T | -1.74T | -1.6T | -4.31T | -4.71T | 0 |
| Acquisitions | 0 | -143.33M | 0 | 0 | 0 | 0 | 0 | 149.8B | 0 | 0 |
| Other Investing | -1.36T | -1.89T | -1.13T | -1.39T | -1.68T | -3.13T | -3.79T | -3T | -2.1T | 0 |
| Cash from Financing | 1.25T | 2.1T | 1.52T | 1.85T | 1.92T | 2.91T | 4.17T | 3.35T | 2.42T | 0 |
| Dividends Paid | -29.28B | -34.49B | -41.02B | -66.45B | -166.6M | -36.24B | -86.39B | -86.62B | -158.06B | 0 |
| Share Repurchases | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -2.3B | 0 | 0 |
| Stock Issued | 0 | 0 | 235.9B | 0 | 0 | 0 | 0 | 76B | 0 | 0 |
| Net Stock Activity | 0 | 0 | 235.9B | 0 | 0 | 0 | 0 | 73.7B | 0 | 0 |
| Debt Issuance (Net) | 1000K | 1000K | -1000K | -1000K | 1000K | 1000K | 1000K | -1000K | -1000K | 0 |
| Other Financing | 1T | 1.47T | 1.35T | 2.23T | 1.9T | 2.26T | 3.26T | 3.38T | 3.39T | 0 |
| Net Change in Cash | 53.04B▲ 0% | 143.44B▲ 170.5% | 160.72B▲ 12.0% | -122.91B▼ 176.5% | 318.73B▲ 359.3% | 191.34B▼ 40.0% | 265.36B▲ 38.7% | 698.64B▲ 163.3% | -103.1B▼ 114.8% | 0▲ 0% |
| Exchange Rate Effect | -1000K | 1000K | -1000K | 1000K | -1000K | 1000K | 1000K | 1000K | -1000K | 0 |
| Cash at Beginning | 377.67B | 430.71B | 574.15B | 734.87B | 611.96B | 930.69B | 1.12T | 1.39T | 2.09T | 0 |
| Cash at End | 430.71B | 574.15B | 734.87B | 611.96B | 930.69B | 1.12T | 1.39T | 2.09T | 1.98T | 0 |
| Interest Paid | 370.46B | 399.29B | 520.35B | 617.75B | 196.1M | 270.6M | 176.2M | 1.41T | 1.8T | 0 |
| Income Taxes Paid | 76.85B | 100.09B | 119.36B | 104.01B | 130.21B | 148.38B | 163.67B | 199.75B | 195.41B | 0 |
| Free Cash Flow | 366.64B▲ 0% | 85.09B▼ 76.8% | 166.92B▲ 96.2% | 152.89B▼ 8.4% | 903.97B▲ 491.3% | 554.69B▼ 38.6% | 433.58B▼ 21.8% | 968.48B▲ 123.4% | 1.13T▲ 16.6% | 0▲ 0% |
| FCF Growth % | 129.02% | -76.79% | 96.16% | -8.41% | 491.27% | -38.64% | -21.83% | 123.37% | 16.6% | - |
HDB Banking Ratios
HDFC Bank Limited (HDB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 14.8% | 16.2% | 15.65% | 14.74% | 16.06% | 16.52% | 18.26% | 11.53% | 8.16% | 12.27% |
| Return on Assets (ROA) | 1.67% | 1.75% | 1.79% | 1.78% | 1.92% | 1.97% | 2.11% | 1.78% | 1.46% | 1.53% |
| Net Interest Margin | 3.88% | 3.72% | 3.82% | 3.72% | 3.8% | 3.55% | 3.55% | 2.83% | 2.91% | 3.24% |
| Efficiency Ratio | 24.43% | 23.4% | 21.25% | 21.86% | 22.41% | 23.28% | 23.66% | 32.62% | 31.67% | 29.5% |
| Equity / Assets | 11.34% | 10.35% | 12.32% | 11.88% | 12.03% | 11.89% | 11.33% | 17.87% | 17.89% | 12.5% |
| Book Value / Share | 299 | 337.29 | 453.22 | 516.3 | 587.31 | 675.68 | 782.8 | 1.66K | 1.69K | 1.1K |
| NII Growth | 20.33% | 20.28% | 19.93% | 16.95% | 15.19% | 9.53% | 22.05% | 36.54% | 12.54% | 8.24% |
| Dividend Payout | 20.84% | 19.32% | 18.63% | 25.53% | 0.05% | 9.39% | 17.44% | 13.91% | 23.47% | 0% |
HDB Frequently Asked Questions
HDFC Bank Limited (HDB) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
HDFC Bank Limited (HDB) grew revenue by 19.1% over the past year. This is strong growth.
Yes, HDFC Bank Limited (HDB) is profitable, generating $692.23B in net income for fiscal year 2025 (16.1% net margin).
Dividend & Returns
Yes, HDFC Bank Limited (HDB) pays a dividend with a yield of 1.31%. This makes it attractive for income-focused investors.
HDFC Bank Limited (HDB) has a return on equity (ROE) of 8.2%. This is below average, suggesting room for improvement.
Industry Metrics
HDFC Bank Limited (HDB) has a net interest margin (NIM) of 2.9%. NIM has been under pressure due to interest rate environment.
HDFC Bank Limited (HDB) has an efficiency ratio of 31.7%. This is excellent, indicating strong cost control.
Explore More HDB
HDFC Bank Limited (HDB) financial analysis — history, returns, DCA and operating performance tools
Full HDB Stock Analysis
Analyst verdict, bull/bear case, risk factors and peer comparison
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates