HDFC Bank Intrinsic Value
HDFCBANK Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹613.44 | ₹490.75 - ₹736.13 | -32.7% | EPS: ₹51.12, Sector P/E: 12x |
| Book Value Method | asset | ₹2279.62 | ₹2051.66 - ₹2507.58 | +150.0% | Book Value/Share: ₹7034.61, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹1823.70 | ₹1641.33 - ₹2006.07 | +100.0% | Revenue/Share: ₹6199.27, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹1823.70 | ₹1641.33 - ₹2006.07 | +100.0% | EBITDA: ₹106636.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹2279.62 | ₹1823.70 - ₹2735.54 | +150.0% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹327.17 | ₹294.45 - ₹359.89 | -64.1% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹421.23 | ₹379.11 - ₹463.35 | -53.8% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹1823.70 | ₹1641.33 - ₹2006.07 | +100.0% | ROE: 15.1%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹2735.55 | ₹2462.00 - ₹3009.11 | +200.0% | EPS: ₹51.12, BVPS: ₹7034.61 |
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Valuation Comparison Chart
HDFCBANK Intrinsic Value Analysis
What is the intrinsic value of HDFCBANK?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of HDFC Bank (HDFCBANK) is ₹1823.70 (median value). With the current market price of ₹911.85, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹327.17 to ₹2735.55, indicating ₹327.17 - ₹2735.55.
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%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.12 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 8.16 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 15.1% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 48.0% | 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 |
Related Pages for HDFC Bank
Additional stock information and data for HDFCBANK
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| 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 |
| March 2021 | ₹42,476 Cr | ₹41,565 Cr | Positive Free Cash Flow | 8/10 |