On the stock market since 2001, it operates in the world of money and finance. It has 211,178 employees. Now — the numbers.
This is an established company with proven profits.
That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.
Average growth of 34% a year over the last 4 years. Every year shown ended in profit.
angles, checked one by one.
The 2 that stand out are on screen; the rest came back neutral.
The council scores out of 10; report-card grades are out of 100.
The stock trades 33% 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 3 years, sales grew about 38% a year on average.
It met or beat analyst expectations in 7 of the last 8 quarters — consistency is a promise kept.
Since the drop from its peak, buyer appetite hasn’t come back. Council score: 0/10.
On our five-subject report card, HDB sits in the middle of the class: some subjects shine, others don’t. The grade moves as the numbers move.
The takeaway: HDB is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.