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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
HDFC Bank Limited (the Bank) is a private bank. The Bank, together with its subsidiaries, is engaged in providing a range of banking and financial services, including retail banking, wholesale banking, treasury operations, insurance, asset management, stockbroking and other…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A decent, steadily growing business, fully valued.
HDFC Bank is scored on the bank / lender framework. It keeps a healthy 16.0% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 34%/yr and profit at 20%/yr. Book value itself has compounded 28%/yr — the hallmark of a genuine compounder. Return on equity is a healthy 13.8%. In the latest quarter profit grew 6% versus the prior quarter.
At 16× earnings, the stock sits at the 69th percentile of its own 3.6-year range — the middle of where it has historically traded. Today's price implies ~5%/yr earnings growth for a decade. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 14.51 | 9.9 | worse |
| P/B | 2.01 | 1.39 | worse |
| ROE | 13.75 | 9.98 | better |
| ROA | 1.94 | 0.92 | better |
| NIM | 3.28 | 4.25 | worse |
| Net NPA | 0.38 | 0.79 | better |
| CASA | 34 | 30.48 | better |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Icici Bank | 17.9 | 2.9 | 16.0% |
| SBI | 10.0 | 1.5 | 13.8% |
| Kotak Mahindra Bank | 22.2 | 2.5 | 11.0% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 34% CAGR over 3 years — high-growth territory. Growth is decelerating — latest year grew slower than the year before.
Net profit has risen every year — the hallmark of a compounder. Revenue is outpacing profit (34% vs 20%) — costs are rising faster than the top line.
Operating margin has compressed from 30% to 21% — costs or competition are eating into profitability. Interest or tax burden is shrinking — more of the operating profit is reaching the bottom line.
Profit grew faster than EPS (20% vs -16%) — share dilution is eroding per-share value. -16% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
Operating cash flow has been positive every year — the business generates real cash, not just accounting profit. Cash conversion at 1.4× PAT — earnings are well-backed by cash; strong accrual quality. Financing outflows in consecutive years — balance-sheet discipline through debt repayment or dividends.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue broadly flat QoQ — stable but not accelerating.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
FIIs trimmed 8.3pp — foreign money is rotating out. MF holding up 5.2pp — domestic institutional discovery underway.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.