HDFCBANK.NS

HDFC Bank Limited

NSI · Financial Services

₹727.20

-₹0.30 (-0.04%)down -0.04%

26 August 2026 · delayed 15+ min

D-

Quality score62.8 / 100

Cut-offs are the grader's own: 97+ for an A+, below 60 is an F.

HDFC Bank Limited earns a D- on excellent profit margins (>20%) and strong trend (ADX > 25) but price well below 200-day SMA (downtrend) and poor 1-year return (-24.7%). Consider alternatives with better risk/reward profiles.

Model stance WEAK HOLD Suggested position 4.0% · ₹400.00 IQInvest estimate
Adjusted for Moderate investors, Medium-term investors 4.0% suggested allocation Change these

These change the suggested position size and the stance, not the category scores. Amount is in rupees.

IQ-HDFCBANK.NS-20260826engine v1 · 7-category weighted scorecard

What it is worth, depending who you ask.

Today’s price against the year it has had and the targets analysts publish. Every marker is a reported figure, not a projection of ours.

52-week low

₹715.10

Today's price

₹727.20

Lowest analyst target

₹861.00

52-week high

₹1,020.50

Mean analyst target

₹1,021.20

Highest analyst target

₹1,400.00

HDFCBANK.NS trades 4% of the way up its 52-week range, between ₹715.10 and ₹1,020.50. The mean analyst target of ₹1,021.20 is 40.4% above today's price.

Today’s price 52-week range Analyst price targets

Scored categories

Financial healthExcellent profit margins (>20%) 75.023%

Profit margin

26.79%

Net profit per unit of revenue

exceptionalWhat this means

Of every 100 units of revenue, this much survives as profit.

Margins this wide usually mean real pricing power or a moat.

Operating margin

33.29%

Before interest and tax

very highWhat this means

Profit from operations, before interest and tax, per 100 of revenue.

Typical of software and other businesses with little cost per extra sale.

Gross margin

0.00%

After the cost of goods only

lowWhat this means

What is left of revenue after only the direct cost of the product.

Costs of goods eat most of the revenue — normal in retail, distribution and hardware assembly.

Return on equity

13.84%

Profit per unit of shareholder capital

strongWhat this means

Profit generated per unit of shareholder capital.

Above 15% is generally considered a good business.

Return on assets

1.75%

Profit per unit of assets

lowWhat this means

Profit generated per unit of everything the company owns.

Common in asset-heavy industries such as utilities, telecoms and airlines.

Revenue growth

16.60%

Year on year

growingWhat this means

Change in revenue against the same period last year.

A healthy expansion rate.

Earnings growth

18.10%

Year on year

strongWhat this means

Change in earnings against the same period last year.

Profit is compounding at a good clip.

Revenue

₹2.95 L Cr

Trailing twelve months

Payout ratio

24.04%

Dividends as a share of earnings

conservativeWhat this means

The share of earnings paid out as dividends.

Comfortably covered, with room to keep raising it.

Growth & momentumPoor 1-year return (-24.7%); Low Sharpe ratio (0.01) 10.022%

Return, 1 month

-2.81%

Return, 3 months

-0.47%

Return, 6 months

-18.55%

Return, year to date

-25.42%

Return, 1 year

-24.73%

Return, 3 years

-7.94%

Sharpe ratio

0.01

Return earned per unit of risk

modestWhat this means

Return earned per unit of risk taken.

Below 1 is the common case; return did not strongly outpace the volatility.

Win rate

50.28%

Share of days that closed up

about evenWhat this means

The share of trading days that closed higher.

Close to a coin flip, which is the norm — returns come from the size of moves, not their count.

Average daily return

0.01%

Best day

10.01%

Worst day

-8.44%

ValuationAttractive PEG ratio (0.89) 90.018%

P/E ratio

15.89

Price against trailing earnings

moderateWhat this means

You pay 15.89 for every 1 unit of annual earnings.

Roughly the long-run market average band.

Forward P/E

11.62

Price against forecast earnings

lowWhat this means

Price against next year's *forecast* earnings.

The market expects little growth, or doubts the forecast.

PEG ratio

0.89

P/E adjusted for growth

cheap for the growthWhat this means

P/E divided by the growth rate — it asks whether the price is justified by the growth.

Under 1 is the classic Peter Lynch marker for growth you are not paying full price for.

Price to book

1.85

Price against balance-sheet equity

normalWhat this means

Price against the accounting value of the company's net assets.

A typical range for an established company.

Price to sales

3.80

Price against revenue

moderateWhat this means

Price against revenue — usable when a company has no profit yet.

A common range for a profitable, growing business.

Enterprise value

₹14.71 L Cr

Market value plus debt, minus cash — the price of the whole business

Shares outstanding

15,41,10,00,562

Shares the profit is split across

Dividend yield

1.79%

Annual dividend against price

modestWhat this means

Annual dividend as a percentage of the share price.

A small income component.

TechnicalStrong trend (ADX > 25); RSI in healthy range (30-70); Price well below 200-day SMA (downtrend) 70.015%

RSI (14)

38.6

Above 70 overbought, below 30 oversold

neutralWhat this means

A 0–100 momentum gauge over the last 14 sessions.

The middle band, where most trading days sit.

MACD

-10.45

Momentum against its own trend

MACD histogram

1.79

Positive is bullish

ADX

32.8

Trend strength; above 25 is a real trend

trendingWhat this means

Trend strength, regardless of direction.

Above 25 is conventionally read as a genuine trend in force.

20-day average

₹732.31

50-day average

₹767.74

200-day average

₹838.73

Price vs 50-day

-5.16%

Price vs 200-day

-13.19%

Bollinger upper

₹751.01

Bollinger lower

₹714.60

Average true range

9.54

Typical daily trading range

Stochastic %K

53.9

Risk4 measured figures 55.012%

Volatility, annualised

20.88%

How far it swings in a year

normalWhat this means

How far the price typically swings over a year.

A typical range for an individual share.

Beta

0.41

Moves against the wider market

steadier than the marketWhat this means

How much the price moves relative to the wider market.

Tends to move less than the index, in both directions.

Maximum drawdown

-27.78%

Worst peak-to-trough fall

significantWhat this means

The worst peak-to-trough fall in the period measured.

A serious decline, though not unusual over a multi-year window.

Risk category

Moderate

The engine's own banding

Analyst viewAnalyst consensus: Strong Buy; Significant upside potential (40.4%) 100.010%

Consensus

Strong Buy

What covering analysts rate it

Analysts covering

41

Mean price target

₹1,021.20

Highest target

₹1,400.00

Lowest target

₹861.00

Implied upside

40.43%

Target against today's price

largeWhat this means

How far the mean analyst target sits above today's price.

A wide gap, which as often means the price has fallen as that the target is right.

Price against the NIFTY 50

180 trading days to 2026-08-26

HDFCBANK.NS is 25.9% down over the window, against 6.3% down for the NIFTY 50 — behind by 19.5 points.
HDFCBANK.NS -25.9%NIFTY 50 -6.3%
Show the numbers
Sampled across the window. Both columns are rebased to 100 on 2025-12-09, so they can be compared directly.
DateCloseHDFCBANK.NS rebasedNIFTY 50 rebased
2025-12-09₹981.88100.0100.0
2025-12-31₹975.0799.4101.1
2026-01-21₹905.3892.397.4
2026-02-12₹906.6292.399.9
2026-03-06₹843.1186.094.6
2026-03-30₹720.6573.486.4
2026-04-23₹772.5978.793.6
2026-05-14₹757.0377.291.7
2026-06-04₹742.9375.690.6
2026-06-25₹796.3081.293.1
2026-07-16₹808.3082.493.2
2026-08-06₹734.3074.995.3

How the score was built

Each category is scored 0–100, then multiplied by its weight. The seven contributions sum to the quality score.
CategoryScoreWeightContribution
Financial health75.023%17.2
Growth & momentum10.022%2.2
Valuation90.018%16.2
Technical70.015%10.5
Risk55.012%6.6
Analyst view100.010%10.0
ESG50.00%0.0
Quality score100%62.8

ESG is scored but carries no weight in this grade. Add ?esg=1 to the address to include it — the engine then redistributes weight across the other six, so the whole scorecard changes, not just one row.

Argue with the model

Every other grader hands you a number. This one hands you the model.

Move a slider, press Recalculate, and the grade is rebuilt from the same category scores. Nothing is hidden: the scores are the engine's, only the weighting is yours.

What each model believes. Pick one above, or set your own sliders below.
ModelThe emphasis
IQInvest defaultThe engine's own weighting: financial health 23% and performance 22% lead, valuation 18%, then technicals, risk and analysts.
Value investorPrice against worth dominates: valuation 40%, financial health 25%. Chart signals count for almost nothing.
Growth investorMomentum first: performance 40% and technicals 20%. Whether the price is fair today gets just 5%.
Sleep at nightStability over everything: risk 35% and financial health 30% together outweigh all other categories combined.
ChartistThe tape over the fundamentals: technicals 45% and performance 25%. Valuation is nearly ignored.
18%
23%
22%
12%
15%
10%
0%

These are IQInvest's own weights, totalling 100%.

Your grade

D-

62.8 / 100

Identical to the IQInvest grade.

All 60 metricsOne flat sortable table, for when you want everything at once.
Metric Category Value Source
Analysts coveringAnalyst view41Yahoo Finance
ConsensusAnalyst viewStrong BuyYahoo Finance
Highest targetAnalyst view₹1,400.00Yahoo Finance
Implied upsideAnalyst view40.43%Yahoo Finance
Lowest targetAnalyst view₹861.00Yahoo Finance
Mean price targetAnalyst view₹1,021.20Yahoo Finance
Earnings growthFinancial health18.10%Yahoo Finance
Gross marginFinancial health0.00%Yahoo Finance
Operating marginFinancial health33.29%Yahoo Finance
Payout ratioFinancial health24.04%Yahoo Finance
Profit marginFinancial health26.79%Yahoo Finance
Return on assetsFinancial health1.75%Yahoo Finance
Return on equityFinancial health13.84%Yahoo Finance
RevenueFinancial health₹2.95 L CrYahoo Finance
Revenue growthFinancial health16.60%Yahoo Finance
Average daily returnGrowth & momentum0.01%Yahoo Finance
Best dayGrowth & momentum10.01%Yahoo Finance
Return, 1 monthGrowth & momentum-2.81%Yahoo Finance
Return, 1 yearGrowth & momentum-24.73%Yahoo Finance
Return, 3 monthsGrowth & momentum-0.47%Yahoo Finance
Return, 3 yearsGrowth & momentum-7.94%Yahoo Finance
Return, 6 monthsGrowth & momentum-18.55%Yahoo Finance
Return, year to dateGrowth & momentum-25.42%Yahoo Finance
Sharpe ratioGrowth & momentum0.01Yahoo Finance
Win rateGrowth & momentum50.28%Yahoo Finance
Worst dayGrowth & momentum-8.44%Yahoo Finance
52-week highMarket data₹1,020.50Yahoo Finance
52-week lowMarket data₹715.10Yahoo Finance
Average volumeMarket data3,32,45,037Yahoo Finance
Day highMarket data₹731.00Yahoo Finance
Day lowMarket data₹724.15Yahoo Finance
EmployeesMarket data2,12,958Yahoo Finance
OpenMarket data₹728.00Yahoo Finance
Previous closeMarket data₹728.50Yahoo Finance
VolumeMarket data2,11,43,507Yahoo Finance
BetaRisk0.41Yahoo Finance
Maximum drawdownRisk-27.78%Yahoo Finance
Risk categoryRiskModerateYahoo Finance
Volatility, annualisedRisk20.88%Yahoo Finance
20-day averageTechnical₹732.31Yahoo Finance
200-day averageTechnical₹838.73Yahoo Finance
50-day averageTechnical₹767.74Yahoo Finance
ADXTechnical32.8Yahoo Finance
Average true rangeTechnical9.54Yahoo Finance
Bollinger lowerTechnical₹714.60Yahoo Finance
Bollinger upperTechnical₹751.01Yahoo Finance
MACDTechnical-10.45Yahoo Finance
MACD histogramTechnical1.79Yahoo Finance
Price vs 200-dayTechnical-13.19%Yahoo Finance
Price vs 50-dayTechnical-5.16%Yahoo Finance
RSI (14)Technical38.6Yahoo Finance
Stochastic %KTechnical53.9Yahoo Finance
Dividend yieldValuation1.79%Yahoo Finance
Enterprise valueValuation₹14.71 L CrYahoo Finance
Forward P/EValuation11.62Yahoo Finance
P/E ratioValuation15.89Yahoo Finance
PEG ratioValuation0.89Yahoo Finance
Price to bookValuation1.85Yahoo Finance
Price to salesValuation3.80Yahoo Finance
Shares outstandingValuation15,41,10,00,562Yahoo Finance
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