Provide a wide range of banking services including savings accounts, loans, and credit cards. Now — the numbers.
That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.
This is an established company with proven profits.
Average growth of 34% a year over the last 4 years. Every year shown ended in profit.
The market pays 14.3× for every dollar of annual profit — around what a business like this usually costs.
Against companies in its own sector, it looks cheaper than 64% of them.
No analyst target is on record for this company.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit indicators sit around the sector average.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price isn’t cheap next to earnings — that’s why this grade sits in the middle.
Sales are growing strongly for its sector.
Clearly below the class average.
Price Momentum: The stock has lagged the market in recent months; investor interest is weak right now.
The stock trades 41% below its peak. The market has trimmed its expectations for the company.
The net profit margin is 15% — still a thick cushion, though costs have been eating into it lately.
Over the last 4 years, sales grew about 34% a year on average.
It met or beat analyst expectations in 7 of the last 8 quarters — consistency is a promise kept.
Buyers haven’t stepped back in yet; the price hasn’t found its footing. Report-card grade: 3/100. For a turnaround signal, the stock first needs to close the gap with the market.
On our five-subject report card, HDB sits behind the class. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”
The takeaway: HDB does earn real profits — but on our report card it still sits behind its class. The real debate isn’t the quality of the business — it’s what that quality should cost.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.