HDFC Bank Limited ADR (HDB) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
HDFC Bank Limited ADR stock (HDB) is currently trading at $25.79. HDFC Bank Limited ADR PE ratio is 17.63. HDFC Bank Limited ADR PS ratio (Price-to-Sales) is 0.05. Analyst consensus price target for HDB is $42.15. WallStSmart rates HDB as Buy.
- HDB PE ratio analysis and historical PE chart
- HDB PS ratio (Price-to-Sales) history and trend
- HDB intrinsic value — DCF, Graham Number, EPV models
- HDB stock price prediction 2025 2026 2027 2028 2029 2030
- HDB fair value vs current price
- HDB insider transactions and insider buying
- Is HDB undervalued or overvalued?
- HDFC Bank Limited ADR financial analysis — revenue, earnings, cash flow
- HDB Piotroski F-Score and Altman Z-Score
- HDB analyst price target and Smart Rating
HDFC Bank Limited ADR
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HDB Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · HDFC Bank Limited ADR (HDB)
HDB is trading near its Graham intrinsic value of $36.29, suggesting the stock is reasonably priced at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
HDFC Bank Limited ADR (HDB) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in market cap, peg ratio, operating margin. Concerns around institutional own.. Overall metrics suggest strong investment potential with favorable risk/reward.
HDFC Bank Limited ADR (HDB) Key Strengths (7)
Keeps $35 of every $100 in revenue after operating costs
Paying less than $1 for every $1 of annual revenue
Keeps $26 of every $100 in revenue as net profit
Large-cap company with substantial market presence
Good growth relative to its price
Trading at 1.58x book value, attractively priced
Strong revenue growth at 26.40% annually
Supporting Valuation Data
HDFC Bank Limited ADR (HDB) Areas to Watch (3)
Very low institutional interest at 13.80%
Moderate profitability with room for improvement
Solid earnings growth at 11.50%
Supporting Valuation Data
HDFC Bank Limited ADR (HDB) Detailed Analysis Report
Overall Assessment
This company scores 78/100 in our Smart Analysis, earning a B+ grade. Out of 10 metrics analyzed, 7 register as strengths (avg 9.0/10) while 3 fall into concern territory (avg 4.3/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Price/Sales, Profit Margin. Valuation metrics including PEG Ratio (1.01), Price/Sales (0.05), Price/Book (1.58) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 34.80%, Profit Margin at 26.20%. Growth metrics are encouraging with Revenue Growth at 26.40%.
The Bear Case
The primary concerns are Institutional Own., Return on Equity, EPS Growth. Growth concerns include EPS Growth at 11.50%, which may limit upside. Profitability pressure is visible in Return on Equity at 14.00%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Institutional Own. improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 14.00% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 26.40% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Price/Sales makes a compelling case at current levels. The key risk is Institutional Own., but the overall fundamental picture is positive with a clear path to maintaining or improving the current B+ grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
HDB Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
HDB's Price-to-Sales ratio of 0.05x trades at a deep discount to its historical average of 0.49x (0th percentile). The current valuation is 97% below its historical high of 1.69x set in Sep 2010, and -8% above its historical low of 0.05x in Mar 2026. Over the past 12 months, the PS ratio has compressed from ~0.1x as trailing revenue scaled faster than the stock price.
WallStSmart Analysis Synopsis
Data-driven financial summary for HDFC Bank Limited ADR (HDB) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
HDFC Bank Limited ADR is a strong growth company balancing expansion with improving profitability. Revenue reached 2.8T with 26% growth year-over-year. Profit margins are strong at 26.2%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 26% YoY, reaching 2.8T. This pace significantly outperforms most BANKS - REGIONAL peers.
ROE of 1400.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can HDFC Bank Limited ADR maintain 26%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 148.0%. Watch payout ratio and free cash flow coverage.
Debt management: total debt of 6.2T is significantly higher than cash (1.3T). Monitor refinancing risk.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact HDFC Bank Limited ADR.
Bottom Line
HDFC Bank Limited ADR offers an attractive blend of growth (26% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
Data sourced from SEC Form 4 filings
Last updated: 8:28:26 AM
About HDFC Bank Limited ADR(HDB)
NYSE
FINANCIAL SERVICES
BANKS - REGIONAL
USA
HDFC Bank Limited offers various banking and financial services to individuals and businesses in India, Bahrain, Hong Kong and Dubai. The company is headquartered in Mumbai, India.