HDFC Bank Intrinsic Value
HDFC Bank intrinsic value. HDFC Bank (HDFCBANK) median intrinsic value is ₹1388.10 from 10 valuation models (range ₹344–₹2082), vs current price ₹694.05 — +100.0% upside (Trading Below Calculated Value), margin of safety 50.0%. Read HDFCBANK dividend payout details for the complete payout history and dividend yield track record.
HDFCBANK Valuation Methods Summary — DCF, Graham Number & P/E
HDFC Bank intrinsic value across 10 models vs current price ₹694.05 — upside/downside and value range per method. For current market price and key ratios, visit HDFCBANK screener.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹644.64 | ₹515.71 - ₹773.57 | -7.1% | EPS: ₹53.72, Sector P/E: 12x |
| Book Value Method | asset | ₹1735.12 | ₹1561.61 - ₹1908.63 | +150.0% | Book Value/Share: ₹3953.50, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹1388.10 | ₹1249.29 - ₹1526.91 | +100.0% | Revenue/Share: ₹3362.16, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹1388.10 | ₹1249.29 - ₹1526.91 | +100.0% | EBITDA: ₹114652.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹1735.12 | ₹1388.10 - ₹2082.14 | +150.0% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹343.81 | ₹309.43 - ₹378.19 | -50.5% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹442.65 | ₹398.38 - ₹486.92 | -36.2% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹1388.10 | ₹1249.29 - ₹1526.91 | +100.0% | ROE: 14.2%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹2082.15 | ₹1873.94 - ₹2290.37 | +200.0% | EPS: ₹53.72, BVPS: ₹3953.50 |
| Dividend Yield Method | dividend | ₹387.50 | ₹348.75 - ₹426.25 | -44.2% | DPS: ₹15.50, Target Yield: 4.0% |
HDFCBANK Intrinsic Value vs Market Price — All Valuation Models
HDFC Bank fair value range ₹344–₹2082 vs current market price ₹694.05 across 10 valuation models. Compare with HDFCBANK fundamental valuation to assess whether the stock is under or overvalued.
HDFCBANK Intrinsic Value Analysis — Undervalued or Overvalued?
HDFC Bank median intrinsic value ₹1388.10, current price ₹694.05 — Trading Below Calculated Value by 100.0%, margin of safety 50.0%.
What is the intrinsic value of HDFCBANK?
Based on our comprehensive analysis using 10 different valuation methods, the estimated intrinsic value of HDFC Bank (HDFCBANK) is ₹1388.10 (median value). With the current market price of ₹694.05, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹343.81 to ₹2082.15, indicating ₹343.81 - ₹2082.15.
Is HDFCBANK undervalued or overvalued?
Based on our multi-method analysis, HDFC Bank (HDFCBANK) appears to be trading below calculated value by approximately 100.0%.
HDFCBANK Financial Health — Key Ratios vs Industry Benchmarks
HDFC Bank financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Return on Equity | 14.2% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 47.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.11x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
HDFCBANK Cash Flow Quality — Operating & Free Cash Flow
HDFC Bank operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹113,506 Cr | ₹113,506 Cr | Positive Free Cash Flow | 8/10 |
| March 2025 | ₹127,242 Cr | ₹125,417 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹19,069 Cr | ₹19,069 Cr | Positive Free Cash Flow | 8/10 |
| March 2023 | ₹20,814 Cr | ₹19,318 Cr | Positive Free Cash Flow | 8/10 |
| March 2022 | ₹-11,960 Cr | ₹-12,986 Cr | Negative Cash Flow | 3/10 |