Why HDFC Bank Limited’s (HDB) Stock Is Down 9.76%
As of Monday, July 20, HDFC Bank Limited’s HDB share price has dipped by 9.76%, which has investors questioning if this is right time to buy.Rosalio Madrigal
A+ Stock Grade Summary:
| VALUE: |
|
|
| GROWTH: |
|
|
| MOMENTUM: |
|
|
| EPS REVISIONS: |
|
|
| QUALITY: |
|
|
COMPANY SUMMARY
HDFC Bank Limited provides banking and financial products and services to individuals and businesses in India, Bahrain, Hong Kong, Singapore, and Dubai. The company operates through Treasury, Retail Banking, Wholesale Banking, Other Banking Business, Insurance Business, and Other segments. It offers 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, and overdrafts against fixed deposits. The company also provides personal, home, car and pre owned car, marriage, two-wheeler, business, doctor, educational, gold, consumer, and rural loans; loans against properties, securities, mutual funds, and car; loans for professionals; government sponsored programs; and loans on credit card, as well as working capital, term loans, supply chain management, project finance, export finance, commercial vehicle / equipment finance, tractor finance, infrastructure, and agriculture finance. In addition, it offers credit, debit, prepaid, forex, and kisan gold cards; payment and collection, export, import, remittance, bank guarantee, letter of credit, trade, hedging, and merchant and cash management services; and insurance and investment products. Further, the company provides short term finance, bill discounting, structured finance, export credit, loan repayment, custodial, and documents collection services; online, mobile, and phone banking services; unified payment interface, immediate payment, national electronic funds transfer, and real time gross settlement services; channel financing, vendor financing, money market, derivatives, employee trusts, cash surplus corporates, tax payment, and bankers to rights/public issue services; and financial solutions for supply chain partners and agricultural customers. It operates branches and automated teller machines in various cities/towns. The company was incorporated in 1994 and is headquartered in Mumbai, India.
Commentary & Analysis
Is HDFC Bank Limited (HDB) Overvalued?
We dive into why HDFC Bank Limited (HDB) could be considered overvalued on 2026-07-14, based on AAII’s Value Score and Grade.Rosalio Madrigal
Is HDFC Bank Limited (HDB) Overvalued?
We dive into why HDFC Bank Limited (HDB) could be considered overvalued on 2026-07-13, based on AAII’s Value Score and Grade.Michael Rose
Is HDFC Bank Limited (HDB) Overvalued?
We dive into why HDFC Bank Limited (HDB) could be considered overvalued on 2026-03-11, based on AAII’s Value Score and Grade.Jenna Brashear
Is HDFC Bank Limited (HDB) Overvalued?
We dive into why HDFC Bank Limited (HDB) could be considered overvalued on 2026-03-10, based on AAII’s Value Score and Grade.Tudor Pop
Financial Summary
| Share Statistics | HDB | Industry Median |
Percentile (All Stocks) |
|
| Market Cap (Mil) | $118,202.1 | $739.5 | 97% |
|
| Shares Out (Mil) | 164.7 | 15.4 | 73% |
|
| Institutional Ownership | 99.7% | 83.1% | 93% |
|
| Float (Mil) | 15,343.4 | 21.9 | 99% |
|
| Beta | 0.41 | 0.47 | 23% |
|
| Avg Daily Volume (000s) | 8,819 | 49 | 95% |
|
| Price Change (52-week) |
(37.7%) | 96.3% | 19% |
|
| Growth | HDB | Industry Median |
Percentile (All Stocks) |
|
| Sales (5yr) | 23.2% | 7.7% | 85% |
|
| Net Income (5yr) | 13.3% | 11.1% | 60% |
|
| EPS (5yr) | 5.9% | 10.1% | 39 |
|
| Dividends (5yr) | 25.6% | 3.6% | 58% |
|
| Cash Flow (5yr) | 5.9% | (17.1%) | 68% |
|
| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
|
| # of Estimates | 1 | 1 | 2 | |
| Current EPS | $0.388 | $1.593 | $1.426 | |
| Month Ago EPS | $0.390 | $1.273 | $1.473 | |
| # Rev Up | 1 | 0 | 1 | |
| # Rev Down | 0 | 1 | 0 | |
| Three Months Ago EPS | $0.390 | $1.273 | $1.473 | |
| Year/Year Chg | 175.2% | 202.9% | 307.6% | |
| Financials | HDB | Industry Median |
Percentile (All Stocks) |
|
| Sales (TTM) (Mil) | $30,215 | $194 | 94% |
|
| Net Income (TTM) (Mil) | $8,108 | $53 | 98% |
|
| EPS (TTM) | $0.528 | $2.500 | 54% |
|
| Operating Cash Flow (TTM) (Mil) | na | $34 | na |
|
| Net Cash Flow (TTM) (Mil) | na | $1 | na |
|
| Long-Term Debt (Q1) (Mil) | $61,461 | $100 | 98% |
|
| Enterprise Value (Q1) (Mil) | na | $0 | na |
|
| Valuation | HDB | Industry Median |
Percentile (All Stocks) |
|
| P/B | 5.82 | 1.27 | 81% |
|
| P/E | 44.9 | 12.9 | 81% |
|
| Dividend Yield | 1.8% | 2.2% | 75% |
|
| PEG (5yr hist) | 7.6 | 1.1 | 91% |
|
| Ratios | HDB | Industry Median |
Percentile (All Stocks) |
|
| Gross Margin | na | 68.8% | na |
|
| Net Margin | 26.8% | 29.1% | 85% |
|
| ROA | 1.6% | 1.1% | 53% |
|
| ROE | 13.8% | 11.1% | 68% |
|
| Liabilities to Assets | 87.6% | 89.8% | 82% |
|
| F-Score | 3 | 4 | 19% |
|
HDFC Bank Limited did not pass any screens on 8/7/2026.
