HDFC Bank Limited Common Stock (HDB)

FairStock Score: 46/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a long-time investor, I start with the business. HDFC Bank is a large Indian bank with 212,958 employees, serving individuals and businesses through deposits, loans, treasury, retail and wholesale banking, and insurance. That scale suggests a durable franchise, though I cannot verify deposit costs or underwriting discipline from the data. In the quarter reported as 2025-Q2, revenue was $853.5B and net income $162.6B, a 19.05% margin. FairStock's calculations at the 2026-10-13 close of $22.76 show a P/E of 14.68, P/B of 9.18, ROE of 13.84%, ROCE of 1.75%, dividend yield of 1.80%, and beta of 0.41. The P/E is reasonable, but P/B is rich for a bank, and the Piotroski F-Score of 1/9 is weak. No revenue or profit growth is in the data, and the Lynch category is none because only 0 years of filed results are available, versus the 3 needed. The 52-week range is $21.71-$37.45, so the price is near the low. Missing bank-specific measures—CET1, net interest margin, NPA ratios, provisioning, loan-to-deposit, and combined ratio—mean credit and leverage risk cannot be fully assessed. This looks like a quality franchise at a not-yet-compelling book valuation, requiring more disclosure before conviction.

In plain English: HDFC Bank provides banking and financial services mostly in India, with a few overseas operations. It earns solid profits, but the limited filed history makes the business hard to judge and some quality signals look mixed. At the recent price, the stock is closer to the low end of its past year than the high end, though it does not look obviously cheap against its accounting value.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer