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Upturn AI SWOT - About
HDB 
HDFC Bank Limited ADR (HDB)
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Upturn Advisory Summary
03/27/2025: HDB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -30.45% | Avg. Invested days 26 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 166.43B USD | Price to earnings Ratio 20.85 | 1Y Target Price 73.65 |
Price to earnings Ratio 20.85 | 1Y Target Price 73.65 | ||
Volume (30-day avg) 2763530 | Beta 0.84 | 52 Weeks Range 54.36 - 68.50 | Updated Date 04/2/2025 |
52 Weeks Range 54.36 - 68.50 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 1.07% | Basic EPS (TTM) 3.13 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Revenue by Geography
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.75% | Operating Margin (TTM) 39.09% |
Management Effectiveness
Return on Assets (TTM) 1.78% | Return on Equity (TTM) 14.9% |
Valuation
Trailing PE 20.85 | Forward PE 16.98 | Enterprise Value 4881412784128 | Price to Sales(TTM) 0.06 |
Enterprise Value 4881412784128 | Price to Sales(TTM) 0.06 | ||
Enterprise Value to Revenue 8.38 | Enterprise Value to EBITDA - | Shares Outstanding 2550629888 | Shares Floating 7612970965 |
Shares Outstanding 2550629888 | Shares Floating 7612970965 | ||
Percent Insiders - | Percent Institutions 14.27 |
Analyst Ratings
Rating 4.75 | Target Price 75.69 | Buy 1 | Strong Buy 3 |
Buy 1 | Strong Buy 3 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
HDFC Bank Limited ADR
Company Overview
History and Background
HDFC Bank was incorporated in August 1994 and commenced operations as a Scheduled Commercial Bank in January 1995. It was among the first banks to receive an 'in principle' approval from the Reserve Bank of India (RBI) to set up a private sector bank. Over time, it has grown to become one of India's largest private sector banks.
Core Business Areas
- Retail Banking: Offers a wide array of products and services to individual customers, including deposit accounts, loans, credit cards, and investment products.
- Wholesale Banking: Provides banking solutions to corporations, including working capital loans, trade finance, and cash management services.
- Treasury: Manages the bank's investment portfolio and liquidity, engaging in trading activities in the money and foreign exchange markets.
- Other Banking Services: This segment covers other banking services, such as para banking activities, including insurance and mutual fund products.
Leadership and Structure
The bank is led by a board of directors and a management team. The current Managing Director and CEO is Sashidhar Jagdishan. The organizational structure is typical of a large banking institution, with various departments and divisions responsible for specific functions.
Top Products and Market Share
Key Offerings
- Savings Accounts: A range of savings accounts tailored to different customer segments. High competition from all major Indian Banks. Market share data is embedded in overall deposit market share, not explicitly isolated.
- Personal Loans: Unsecured loans offered to individuals for various purposes. Competitors include ICICI Bank, State Bank of India and Bajaj Finserv. Market share data is embedded in overall personal loan market share, not explicitly isolated.
- Credit Cards: A variety of credit cards with different features and benefits. Competitors include SBI Card and ICICI Bank. Market share is approximately 25% of the Indian credit card market as of 2023.
- Mortgages: Home loan products for purchasing or constructing residential properties. Competitors include LIC Housing Finance and ICICI Bank. Market share data is embedded in overall mortgage market share, not explicitly isolated.
Market Dynamics
Industry Overview
The Indian banking industry is undergoing rapid changes, driven by technological advancements, increasing competition, and evolving regulatory landscape. The industry is consolidating, with larger banks gaining market share. Digital banking is becoming increasingly important.
Positioning
HDFC Bank is a leading private sector bank in India, known for its strong brand, wide distribution network, and advanced technology platform. It competes with both public and private sector banks. Key competitive advantages include customer service and product innovation.
Total Addressable Market (TAM)
The total addressable market for banking services in India is estimated to be in the trillions of USD, encompassing retail, corporate, and investment banking. HDFC Bank is well-positioned to capture a significant portion of this market through its diverse product offerings and strong brand reputation.
Upturn SWOT Analysis
Strengths
- Strong brand reputation
- Wide distribution network
- Advanced technology platform
- Robust asset quality
- Diversified product portfolio
Weaknesses
- Relatively higher operating costs compared to some competitors
- Geographic concentration in certain regions
- Exposure to regulatory risks
Opportunities
- Increasing demand for financial services in India
- Growth in digital banking
- Expansion into new markets and customer segments
- Strategic partnerships with fintech companies
- Government initiatives promoting financial inclusion
Threats
- Increasing competition from other banks and fintech companies
- Economic slowdown
- Regulatory changes
- Cybersecurity risks
- Rising interest rates
Competitors and Market Share
Key Competitors
- ICICI Bank ADR (ICBK)
- State Bank of India (Not Listed as ADR)
- Axis Bank (Not Listed as ADR)
- Kotak Mahindra Bank (Not Listed as ADR)
Competitive Landscape
HDFC Bank benefits from a strong brand and customer trust in the private sector. However it faces competition from ICICI Bank and government sponsored banks, who have their own loyal userbase.
Major Acquisitions
Centurion Bank of Punjab
- Year: 2008
- Acquisition Price (USD millions): 2389
- Strategic Rationale: Expanded HDFC Bank's branch network and customer base, particularly in northern India.
Growth Trajectory and Initiatives
Historical Growth: HDFC Bank has experienced strong growth in the past, driven by its focus on customer service, product innovation, and technological advancements.
Future Projections: Future growth projections are based on analyst estimates and depend on various factors, including economic conditions, regulatory changes, and competitive landscape. Please refer to analyst reports for specific projections.
Recent Initiatives: Recent initiatives include investments in digital banking platforms, expansion of branch network, and strategic partnerships with fintech companies.
Summary
HDFC Bank is a strong player in the Indian banking sector, boasting a solid brand, extensive network, and advanced technology. While it faces stiff competition and rising operating costs, its initiatives in digital banking and strategic partnerships position it well for future growth. Key areas to watch are regulatory changes and potential economic slowdowns that could impact asset quality and profitability.
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Sources and Disclaimers
Data Sources:
- HDFC Bank Official Website
- Analyst Reports
- Financial News Outlets
- Reserve Bank of India (RBI) Publications
Disclaimers:
The information provided is for general informational purposes only and should not be construed as financial advice. Investment decisions should be based on individual research and consultation with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About HDFC Bank Limited ADR
Exchange NYSE | Headquaters - | ||
IPO Launch date 2001-07-20 | MD, CEO & Director Mr. Sashidhar Jagdishan | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 213527 | Website https://www.hdfcbank.com |
Full time employees 213527 | Website https://www.hdfcbank.com | ||
HDFC Bank Limited engages in the provision of banking and financial services to individuals and businesses in India, Bahrain, Hong Kong, Singapore, and Dubai. The company operates in three segments: Treasury, Retail Banking, Wholesale Banking, and Other Banking Services. It accepts 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, two-wheeler, business, doctor, educational, gold, consumer, and rural loans; loans against properties, securities, mutual funds, rental receivables, and assets; loans for professionals; government sponsored programs; and loans on credit card, as well as working capital and commercial/construction equipment finance, healthcare/medical equipment and commercial vehicle finance, dealer finance, and term loans. In addition, it offers credit, debit, prepaid, and forex cards; payment and collection, export, import, remittance, bank guarantee, letter of credit, trade, hedging, and merchant and cash management services; insurance and investment products. Further, the company provides short term finance, bill discounting, structured finance, export credit, loan repayment, and documents collection services; online and wholesale, mobile, and phone banking services; unified payment interface, immediate payment, national electronic funds transfer, and real time gross settlement services; and channel financing, vendor financing, reimbursement account, money market, derivatives, employee trusts, cash surplus corporates, tax payment, and bankers to rights/public issue services, as well as 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.
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