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HDFC BANK LTD

HDB

$23.62 ▼ -0.14 (-0.59%) at close

17 Visible periods

35 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Fair

Bullish

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Analytical Summary

HDFC BANK LTD shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $180.2B

Dividend Yield 1.10%

Revenue Growth 16.4% ↘

Op. Margin 36.3% ↗

ROIC None

FCF / Share None

Trailing P/E 22.5x

Price / Book 2.0x

FCF Yield —

Debt / Equity 0.93

info Valuation on last close. End-of-day price, Aug 7, 2026.

17-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$27.76B

↑ +16.4% —

Net Income Profit after all expenses

$7.88B

↑ +5.5% —

Operating Margin Operating profit as % of sales

36.3%

↑ +2.3% 91th

Long-Term Debt Long-term obligations

$68.67B

↓ -13.9% —

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Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↑

Dividend History

Dividend / share · sourced from SEC filings

$0.26 Latest / share

+13.0% YoY

+7.2% 11-yr CAGR

FY 2014

$0.13

FY 2015

$0.14

FY 2016

$0.17

FY 2017

$0.20

FY 2018

$0.20

FY 2019

$0.03

FY 2020

$0.09

FY 2021

$0.20

FY 2022

$0.23

FY 2023

$0.23

FY 2024

$0.26

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Mar 31, 2025 20-F ↗	FY 2024 Mar 31, 2024 20-F ↗	FY 2023 Mar 31, 2023 20-F ↗	FY 2022 Mar 31, 2022 20-F ↗	FY 2021 Mar 31, 2021 20-F ↗	FY 2020 Mar 31, 2020 20-F ↗	FY 2019 Mar 31, 2019 20-F ↗	FY 2018 Mar 31, 2018 20-F ↗	FY 2017 Mar 31, 2017 20-F ↗	FY 2016 Mar 31, 2016 20-F ↗	FY 2015 Mar 31, 2015 20-F ↗	FY 2014 Mar 31, 2014 20-F ↗	FY 2013 Mar 31, 2013 20-F ↗	FY 2012 Mar 31, 2012 20-F ↗	FY 2011 Mar 31, 2011 20-F ↗	FY 2010 Mar 31, 2010 20-F ↗	FY 2009 Mar 31, 2009 20-F ↗
Revenue Growth YoY (%)	16.4% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+174%)	62.6% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+943%)	9.1% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+52%)	4.9% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-18%)	21.9% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+266%)	8.8% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+47%)	10.7% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+78%)	22.4% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+273%)	21.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+255%)	15.8% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+164%)	15.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+159%)	7.7% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+28%)	15.9% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+165%)	0.9% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-85%)	26.5% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+341%)	—	—
EPS Growth YoY (%)	-0.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-1.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	17.4% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	13.6% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	28.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-47.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	12.3% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	24.7% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	19.7% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	7.6% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	20.0% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	14.6% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	14.3% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	5.0% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	-68.0% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	5.5% Fair ↓ Fair Declining Year-over-year change in net income	23.9% Good ↑ Good Improving Year-over-year change in net income	18.5% Good ↑ Good Improving Year-over-year change in net income	14.1% Fair ↓ Fair Declining Year-over-year change in net income	29.1% Excellent ↑ Excellent Improving Year-over-year change in net income	8.5% Fair ↓ Fair Declining Year-over-year change in net income	16.1% Good ↓ Good Declining Year-over-year change in net income	26.5% Excellent ↑ Excellent Improving Year-over-year change in net income	21.7% Good ↑ Good Improving Year-over-year change in net income	11.8% Fair ↓ Fair Declining Year-over-year change in net income	20.5% Good ↑ Good Improving Year-over-year change in net income	16.6% Good ↓ Good Declining Year-over-year change in net income	15.9% Good ↓ Good Declining Year-over-year change in net income	5.8% Fair Fair Year-over-year change in net income	69.2% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	27.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	23.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	11.8% Good ↓ Good Declining Compound annual revenue growth over 3 years	11.7% Good ↓ Good Declining Compound annual revenue growth over 3 years	13.7% Good ↓ Good Declining Compound annual revenue growth over 3 years	13.8% Good ↓ Good Declining Compound annual revenue growth over 3 years	18.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	19.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	17.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	13.0% Good ↑ Good Improving Compound annual revenue growth over 3 years	13.0% Good ↑ Good Improving Compound annual revenue growth over 3 years	8.0% Fair Fair Compound annual revenue growth over 3 years	14.0% Good Good Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	21.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	19.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	11.0% Good ↓ Good Declining Compound annual revenue growth over 5 years	13.5% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	16.9% Excellent → Excellent Stable Compound annual revenue growth over 5 years	15.7% Excellent → Excellent Stable Compound annual revenue growth over 5 years	17.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	16.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	15.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	11.0% Good Good Compound annual revenue growth over 5 years	13.0% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	4.5% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	9.4% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	19.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-8.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-8.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-9.5% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	18.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	17.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	15.6% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	13.9% Good ↑ Good Improving Compound annual EPS growth over 3 years	16.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	11.2% Good Good Compound annual EPS growth over 3 years	-27.3% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Mar 31, 2025 20-F ↗	FY 2024 Mar 31, 2024 20-F ↗	FY 2023 Mar 31, 2023 20-F ↗	FY 2022 Mar 31, 2022 20-F ↗	FY 2021 Mar 31, 2021 20-F ↗	FY 2020 Mar 31, 2020 20-F ↗	FY 2019 Mar 31, 2019 20-F ↗	FY 2018 Mar 31, 2018 20-F ↗	FY 2017 Mar 31, 2017 20-F ↗	FY 2016 Mar 31, 2016 20-F ↗	FY 2015 Mar 31, 2015 20-F ↗	FY 2014 Mar 31, 2014 20-F ↗	FY 2013 Mar 31, 2013 20-F ↗	FY 2012 Mar 31, 2012 20-F ↗	FY 2011 Mar 31, 2011 20-F ↗	FY 2010 Mar 31, 2010 20-F ↗	FY 2009 Mar 31, 2009 20-F ↗
Operating Margin (%) (%)	36.3% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+45%)	35.5% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	55.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+120%)	50.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+104%)	47.0% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+88%)	46.2% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+85%)	50.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+104%)	48.8% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+95%)	47.6% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+90%)	47.7% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+91%)	48.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+95%)	46.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+85%)	41.4% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+66%)	41.3% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+65%)	40.7% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+63%)	—	—
Effective Tax Rate (%) (%)	20.3% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	11.0% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.1% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.5% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.9% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.8% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	35.1% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	35.5% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	36.0% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	36.4% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	35.4% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	34.7% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	32.4% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	32.3% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	34.3% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—
Profit Margin (%) (%)	28.4% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+29%)	31.3% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	41.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+87%)	37.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+72%)	34.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+58%)	32.9% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+49%)	33.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+50%)	31.4% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+43%)	30.4% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+38%)	30.3% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+38%)	31.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+43%)	30.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+37%)	27.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	27.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	26.5% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+21%)	19.8% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-10%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Mar 31, 2025 20-F ↗	FY 2024 Mar 31, 2024 20-F ↗	FY 2023 Mar 31, 2023 20-F ↗	FY 2022 Mar 31, 2022 20-F ↗	FY 2021 Mar 31, 2021 20-F ↗	FY 2020 Mar 31, 2020 20-F ↗	FY 2019 Mar 31, 2019 20-F ↗	FY 2018 Mar 31, 2018 20-F ↗	FY 2017 Mar 31, 2017 20-F ↗	FY 2016 Mar 31, 2016 20-F ↗	FY 2015 Mar 31, 2015 20-F ↗	FY 2014 Mar 31, 2014 20-F ↗	FY 2013 Mar 31, 2013 20-F ↗	FY 2012 Mar 31, 2012 20-F ↗	FY 2011 Mar 31, 2011 20-F ↗	FY 2010 Mar 31, 2010 20-F ↗	FY 2009 Mar 31, 2009 20-F ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.6% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.6% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.5% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.5% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	8.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-27%)	9.0% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-25%)	17.0% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+42%)	15.4% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+28%)	15.1% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+26%)	13.7% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+15%)	13.5% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+12%)	15.2% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+27%)	13.7% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+14%)	13.6% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+13%)	13.2% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+10%)	14.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+24%)	13.2% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+10%)	12.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+5%)	11.9% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	8.0% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-33%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Mar 31, 2025 20-F ↗	FY 2024 Mar 31, 2024 20-F ↗	FY 2023 Mar 31, 2023 20-F ↗	FY 2022 Mar 31, 2022 20-F ↗	FY 2021 Mar 31, 2021 20-F ↗	FY 2020 Mar 31, 2020 20-F ↗	FY 2019 Mar 31, 2019 20-F ↗	FY 2018 Mar 31, 2018 20-F ↗	FY 2017 Mar 31, 2017 20-F ↗	FY 2016 Mar 31, 2016 20-F ↗	FY 2015 Mar 31, 2015 20-F ↗	FY 2014 Mar 31, 2014 20-F ↗	FY 2013 Mar 31, 2013 20-F ↗	FY 2012 Mar 31, 2012 20-F ↗	FY 2011 Mar 31, 2011 20-F ↗	FY 2010 Mar 31, 2010 20-F ↗	FY 2009 Mar 31, 2009 20-F ↗
Debt to Equity (x)	0.93x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-22%)	1.15x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	1.08x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-10%)	0.84x Fair → Fair Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-30%)	0.65x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-45%)	0.74x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-38%)	1.04x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-13%)	1.46x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+22%)	1.03x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-14%)	0.29x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-76%)	0.90x Fair → Fair Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-25%)	1.03x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-14%)	0.94x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-22%)	0.74x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-39%)	0.49x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-59%)	0.57x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-53%)	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Mar 31, 2025 20-F ↗	FY 2024 Mar 31, 2024 20-F ↗	FY 2023 Mar 31, 2023 20-F ↗	FY 2022 Mar 31, 2022 20-F ↗	FY 2021 Mar 31, 2021 20-F ↗	FY 2020 Mar 31, 2020 20-F ↗	FY 2019 Mar 31, 2019 20-F ↗	FY 2018 Mar 31, 2018 20-F ↗	FY 2017 Mar 31, 2017 20-F ↗	FY 2016 Mar 31, 2016 20-F ↗	FY 2015 Mar 31, 2015 20-F ↗	FY 2014 Mar 31, 2014 20-F ↗	FY 2013 Mar 31, 2013 20-F ↗	FY 2012 Mar 31, 2012 20-F ↗	FY 2011 Mar 31, 2011 20-F ↗	FY 2010 Mar 31, 2010 20-F ↗	FY 2009 Mar 31, 2009 20-F ↗
Revenue per Share (USD)	$3.64	$3.37	$2.64	$2.43	$2.33	$1.92	$3.60	$3.38	$2.80	$2.33	$2.09	$1.84	$1.73	$1.51	$1.51	—	—
Basic EPS, GAAP (USD)	$1.05	$1.06	$1.08	$0.92	$0.81	$0.63	$1.19	$1.06	$0.85	$0.71	$0.66	$0.55	$0.48	$0.42	$0.40	$1.25	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.26	$0.23	$0.23	$0.20	$0.09	$0.03	$0.20	$0.20	$0.17	$0.14	$0.13	—	—	—	—	—	—
Book Value per Share (USD)	$11.74	$10.97	$6.35	$5.95	$5.36	$4.58	$8.67	$6.95	$6.17	$5.19	$4.80	$3.70	$3.61	$3.31	$3.34	$14.85	—
Tangible Book Value per Share (USD)	$7.15	$6.19	$6.35	$5.95	$5.36	$4.58	$8.67	$6.95	$6.17	$5.19	$4.80	$3.70	$3.61	$3.31	$2.62	$10.77	—
Basic Weighted Avg Shares (shares)	7.63B	7.08B	5.57B	5.53B	5.50B	5.47B	2.68B	2.58B	2.54B	2.52B	2.42B	2.39B	2.36B	2.34B	2.31B	—	—
Dividend Payout Ratio (%)	24.8% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	21.7% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	21.3% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	21.7% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	11.1% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	4.8% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	16.8% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	18.9% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	20.0% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	19.7% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	19.7% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Mar 31, 2025 20-F ↗	FY 2024 Mar 31, 2024 20-F ↗	FY 2023 Mar 31, 2023 20-F ↗	FY 2022 Mar 31, 2022 20-F ↗	FY 2021 Mar 31, 2021 20-F ↗	FY 2020 Mar 31, 2020 20-F ↗	FY 2019 Mar 31, 2019 20-F ↗	FY 2018 Mar 31, 2018 20-F ↗	FY 2017 Mar 31, 2017 20-F ↗	FY 2016 Mar 31, 2016 20-F ↗	FY 2015 Mar 31, 2015 20-F ↗	FY 2014 Mar 31, 2014 20-F ↗	FY 2013 Mar 31, 2013 20-F ↗	FY 2012 Mar 31, 2012 20-F ↗	FY 2011 Mar 31, 2011 20-F ↗	FY 2010 Mar 31, 2010 20-F ↗	FY 2009 Mar 31, 2009 20-F ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$68.67B	$79.78B	$25.00B	$20.49B	$16.06B	$13.62B	$15.10B	$14.33B	$11.27B	—	$7.35B	$6.59B	$5.41B	$3.50B	$2.09B	$1.69B	—
Total Equity (USD)	$89.86B	$83.36B	$35.43B	$33.01B	$29.53B	$25.11B	$23.61B	$18.03B	$15.82B	$13.12B	$12.04B	$8.87B	$8.59B	$7.76B	$7.78B	$6.80B	—

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Mar 31, 2025 20-F ↗	FY 2024 Mar 31, 2024 20-F ↗	FY 2023 Mar 31, 2023 20-F ↗	FY 2022 Mar 31, 2022 20-F ↗	FY 2021 Mar 31, 2021 20-F ↗	FY 2020 Mar 31, 2020 20-F ↗	FY 2019 Mar 31, 2019 20-F ↗	FY 2018 Mar 31, 2018 20-F ↗	FY 2017 Mar 31, 2017 20-F ↗	FY 2016 Mar 31, 2016 20-F ↗	FY 2015 Mar 31, 2015 20-F ↗	FY 2014 Mar 31, 2014 20-F ↗	FY 2013 Mar 31, 2013 20-F ↗	FY 2012 Mar 31, 2012 20-F ↗	FY 2011 Mar 31, 2011 20-F ↗	FY 2010 Mar 31, 2010 20-F ↗	FY 2009 Mar 31, 2009 20-F ↗
Sales/Revenue/Turnover (USD)	$27.76B	$23.84B	$14.67B	$13.44B	$12.81B	$10.50B	$9.65B	$8.72B	$7.13B	$5.87B	$5.07B	$4.39B	$4.08B	$3.52B	$3.48B	$2.76B	—
Net Income, GAAP (USD)	$7.88B	$7.47B	$6.03B	$5.09B	$4.46B	$3.45B	$3.18B	$2.74B	$2.17B	$1.78B	$1.59B	$1.32B	$1.13B	$978.30M	$924.90M	$546.60M	—
Operating Cash Flow (USD)	$14.00B	$12.27B	$5.81B	$7.66B	$12.60B	$2.27B	$2.65B	$1.45B	—	—	—	—	$1.31B	$736.60M	$1.13B	$2.43B	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Mar 31, 2025 20-F ↗	FY 2024 Mar 31, 2024 20-F ↗	FY 2023 Mar 31, 2023 20-F ↗	FY 2022 Mar 31, 2022 20-F ↗	FY 2021 Mar 31, 2021 20-F ↗	FY 2020 Mar 31, 2020 20-F ↗	FY 2019 Mar 31, 2019 20-F ↗	FY 2018 Mar 31, 2018 20-F ↗	FY 2017 Mar 31, 2017 20-F ↗	FY 2016 Mar 31, 2016 20-F ↗	FY 2015 Mar 31, 2015 20-F ↗	FY 2014 Mar 31, 2014 20-F ↗	FY 2013 Mar 31, 2013 20-F ↗	FY 2012 Mar 31, 2012 20-F ↗	FY 2011 Mar 31, 2011 20-F ↗	FY 2010 Mar 31, 2010 20-F ↗	FY 2009 Mar 31, 2009 20-F ↗
Net Interest Margin (approx.) (%)	2.9%	2.8%	3.5%	3.5%	3.8%	3.7%	3.8%	3.7%	3.9%	3.8%	3.8%	3.8%	3.6%	3.5%	3.7%	3.3%	—
Efficiency Ratio (%) (%)	53.4%	53.8%	38.9%	36.6%	36.6%	38.9%	38.3%	40.7%	44.2%	46.8%	45.9%	47.2%	52.9%	54.4%	53.1%	55.2%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 17 years · 17 quarters

HDFC BANK LTD

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17-Year Financial Trajectory

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