HDFC Bank
HDFCBANK · NSEBanking · Private sector bank
₹744.75
52w ₹1,420 – ₹1,880
Market cap ₹12,40,000 Cr · P/E ratio 18.5
Auto-detected:
Stable profitable company
DCF frameworkProfitable 5 of 5 yrs+ve free cash flowRevenue CAGR 23.4%
Why this framework? This company has been consistently profitable, generates real cash, and grows at a steady pace. The right way to value it is a Discounted Cash Flow (DCF) — we estimate what its future cash flows are worth today.
HDFC Bank is India's largest private bank by market value. It lends to retail customers, small businesses and corporates, and earns from the gap between deposit rates and loan rates plus fees.
NSEBankingPrivate sector bank
HDFC Bank is India's largest private bank by market value. It lends to retail customers, small businesses and corporates, and earns from the gap between deposit rates and loan rates plus fees.
What makes it strong
- ✓Wide competitive moat — one of the strongest brands in the sector
- ✓Revenue growing at 23.4% CAGR over 5 years
- ✓Positive free cash flow — self-funding, no dependency on external capital
Honest downsides
- →Net interest margin compression post HDFC Ltd merger still working through
- →Deposit growth must outpace credit growth — currently a constraint
One-line verdict
Profitable but carries significant debt — understand the debt repayment timeline before you invest.
Current price
₹744.75
Market cap
₹12.4L Cr
P/E ratio
18.5×
ROE
17.1%
52-week price range
₹1,420
₹1,880
Current price -147% of the 52-week range.
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