HDFC Bank Intrinsic Value
HDFC Bank (HDFCBANK) median intrinsic value is ₹1543.40 from 9 valuation models (range ₹338–₹2315), vs current price ₹771.70 — +100.0% upside (Trading Below Calculated Value), margin of safety 50.0%. For current market price and key ratios, visit HDFC Bank share price today.
HDFCBANK Valuation Methods Summary — DCF, Graham Number & P/E
HDFC Bank intrinsic value across 9 models vs current price ₹771.70 — upside/downside and value range per method. Also explore HDFCBANK share price history to track price trends across different timeframes.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹634.56 | ₹507.65 - ₹761.47 | -17.8% | EPS: ₹52.88, Sector P/E: 12x |
| Book Value Method | asset | ₹1929.25 | ₹1736.33 - ₹2122.18 | +150.0% | Book Value/Share: ₹7034.61, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹1543.40 | ₹1389.06 - ₹1697.74 | +100.0% | Revenue/Share: ₹6113.46, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹1543.40 | ₹1389.06 - ₹1697.74 | +100.0% | EBITDA: ₹110688.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹1929.25 | ₹1543.40 - ₹2315.10 | +150.0% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹338.43 | ₹304.59 - ₹372.27 | -56.1% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹435.73 | ₹392.16 - ₹479.30 | -43.5% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹1543.40 | ₹1389.06 - ₹1697.74 | +100.0% | ROE: 15.7%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹2315.10 | ₹2083.59 - ₹2546.61 | +200.0% | EPS: ₹52.88, BVPS: ₹7034.61 |
HDFCBANK Intrinsic Value vs Market Price — All Valuation Models
HDFC Bank fair value range ₹338–₹2315 vs current market price ₹771.70 across 9 valuation models. Read HDFCBANK dividend payout details for the complete payout history and dividend yield track record.
HDFCBANK Intrinsic Value Analysis — Undervalued or Overvalued?
HDFC Bank median intrinsic value ₹1543.40, current price ₹771.70 — 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 9 different valuation methods, the estimated intrinsic value of HDFC Bank (HDFCBANK) is ₹1543.40 (median value). With the current market price of ₹771.70, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹338.43 to ₹2315.10, indicating ₹338.43 - ₹2315.10.
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 |
|---|---|---|---|---|
| Current Ratio | 0.12 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 15.7% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 50.0% | 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 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 |