Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
14.51%
Net Profit Growth (5y)
18.61%
Advance to Deposit
93.16%
Capital Adequacy Ratio (Tier 1)
17.28%
Gross NPA (latest)
1.17%
Gross NPA (avg)
1.27%
Coverage Ratio (avg)
70.29%
Cost to Income (avg)
39.39%
Net Interest Margin (avg)
3.81%
Operating Profit to Assets (avg)
5.12%
ROA (avg)
1.80%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
14
Price to Book Value
1.95
PEG Ratio
1.76
Dividend Yield
1.77%
ROE (Latest)
13.07%
ROA (Latest)
1.72%
Net NPA to Book Value
2.14
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TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Bearish
Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
NII(Q)
Highest at Rs 33,533.95 cr
PBT LESS OI(Q)
Highest at Rs 12,286.70 cr.
INTEREST EARNED(Q)
Highest at Rs 79,362.78 cr
PBDIT(Q)
Highest at Rs 15,346.46 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 19.34%
-2What is not working for the Company
NON-OPERATING INCOME(Q)
is 51.07 % of Profit Before Tax (PBT
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Here's what is working for HDFC Bank
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 12,286.70 cr has Grown at 2908.39%
Year on Year (YoY)MOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Net Interest Income (Quarterly)
Highest at Rs 33,533.95 cr and Grown
each quarter in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 12,286.70 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 79,362.78 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Interest Earned (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 15,346.46 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 19.34%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Here's what is not working for HDFC Bank
Non Operating Income - Quarterly
is 51.07 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
CAR - Quarterly
Lowest at 19.57%
in the last five quartersMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
