HDFC Bank Limited
Quality (76/100) does the heavy lifting; momentum (24/100) is the drag.
Buy zoneHDFC Bank Limited earns a Hold from StocksWizard, with a blended score of 55/100. On 17.7x trailing earnings it sits cheaper than the Financial Services median of about 24.3x. The price is about 25% below its 52-week high of ₹993.08 and 4% above the low of ₹719.65. Financial health scores 70/100, with a Piotroski F-score of 4/9. The average analyst target of ₹1,039.85 implies about 39% upside across 39 analysts. It clears 4 of 10 investability checks, with durability 76, valuation 68 and momentum 24 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹637.75.
Analyst views
1-year price
EOD · 2026-07-3152-week range
-24.66% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Hold55Piotroski F-score 4/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Fail: ROE above 15%: 13.8%
- No data: Low debt (D/E < 0.5)
- Pass: Positive free cash flow
- Fail: Revenue growth > 10%: -2%
- Pass: Earnings growing: 8%
- Pass: Net margin ≥ 10%: 26.8%
- No data: Current ratio > 1.5
- Pass: Below our fair value
- Fail: Margin of safety ≥ 20%
- Fail: Above 200-day average
- Fail: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 4/9
Quarterly results
Annual financials
Shareholding
- Promoter0.2%
- Institutions58.1%
- Public & other41.7%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (26.8%).
Opportunities
- Trading in our value buy zone versus sector peers.
Bear case
Weaknesses
- Price below its 200-day moving average (downtrend).
About HDFC Bank Limited
HDFC Bank Limited operates as a banking and financial services provider serving individuals and businesses across India, Bahrain, Hong Kong, Singapore, and Dubai. Its business segments include Treasury, Retail Banking, Wholesale Banking, Other Banking Business, Insurance Business, and Other operations. The company offers various deposit accounts, fixed and recurring deposits, safe deposit lockers, and offshore banking products.
HDFC Bank Limited — frequently asked questions
Is HDFC Bank Limited a buy, hold or sell?
StocksWizard currently rates HDFC Bank Limited (HDFCBANK) a Hold, based on a blended score of 55/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is HDFC Bank Limited's fair value?
Our blended DCF and relative-valuation model estimates HDFC Bank Limited's fair value at about ₹797.19, versus a current price of ₹748.15 — roughly 7% upside. On that basis the stock looks fairly valued.
Is HDFC Bank Limited financially healthy?
HDFC Bank Limited scores 70/100 on our financial-health model, with a Piotroski F-score of 4/9.
How has HDFC Bank Limited's share price performed?
HDFC Bank Limited is down 2% over three months, and last traded at ₹748.15. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.