Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
16.25%
Net Profit Growth (5y)
19.13%
Advance to Deposit
93.65%
Capital Adequacy Ratio (Tier 1)
17.36%
Gross NPA (latest)
1.15%
Gross NPA (avg)
1.20%
Coverage Ratio (avg)
71.51%
Cost to Income (avg)
39.19%
Net Interest Margin (avg)
4.06%
Operating Profit to Assets (avg)
5.45%
ROA (avg)
1.74%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
16
Price to Book Value
2.17
PEG Ratio
1.59
Dividend Yield
1.55%
ROE (Latest)
13.37%
ROA (Latest)
1.71%
Net NPA to Book Value
2.00
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TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
Bullish
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Bearish
Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend13What is working for the Company
PAT(Q)
Highest at Rs 19,221.05 cr.
GROSS NPA(Q)
Lowest at 1.15%
NII(Q)
Highest at Rs 33,081.57 cr
CASH AND CASH EQUIVALENTS(HY)
Highest at Rs 200,679.37 cr
PBDIT(Q)
Highest at Rs 14,604.04 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 19.06%
PBT LESS OI(Q)
Highest at Rs 11,994.47 cr.
EPS(Q)
Highest at Rs 12.49
NET NPA(Q)
Lowest at 0.38%
-3What is not working for the Company
CREDIT DEPOSIT RATIO(HY)
Lowest at 94.59%
INTEREST EARNED(Q)
Lowest at Rs 76,610.02 cr
NON-OPERATING INCOME(Q)
is 52.39 % of Profit Before Tax (PBT
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Here's what is working for HDFC Bank
Profit After Tax (PAT) - Quarterly
Highest at Rs 19,221.05 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Gross NPA - Quarterly
Lowest at 1.15%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Net Interest Income (Quarterly)
Highest at Rs 33,081.57 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 14,604.04 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 19.06%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 11,994.47 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 12.49
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Net NPA - Quarterly
Lowest at 0.38%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Cash and Cash Equivalents - Half Yearly
Highest at Rs 200,679.37 cr
in the last six half yearly periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for HDFC Bank
Interest Earned - Quarterly
Lowest at Rs 76,610.02 cr
in the last five quartersMOJO Watch
Near term sales trend is negative
Interest Earned (Rs Cr)
Non Operating Income - Quarterly
is 52.39 % 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
Credit Deposit Ratio - Half Yearly
Lowest at 94.59%
in the last four periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
