Compare, Analyse HDFC BANK (500180 | HDFCBANK~EQ) with SBI (500112 | SBIN~EQ)
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HDFC BANK vs SBI - Comparison Results

  
  

HDFC BANK 
  Change

With 4.2% share of India's total non-food credit disbursements in FY12, HDFC Bank is the second largest private sector bank in the country (after ICICI Bank) in terms of asset size. The bank has tripled its share from 1.2% of total non-food credit in... More


SBI 
Change
SBI is India's largest bank in the country with an asset size of over Rs 13 trillion. Although the bank's loan book is largely skewed towards corporate (large, mid and small) loans (50% of total advances in FY12), the retail side is also fast catchin... More
Stock Price Chart: hdfc bank Vs. sbi
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 Current Valuations
    HDFC BANK SBI HDFC BANK/  
SBI  
P/E (TTM) x 24.6 21.7 113.2% View Chart
P/BV x 4.2 1.2 359.7% View Chart
Dividend Yield % 0.8 1.4 54.0%  
 
 Financials
 HDFC BANK   SBI
  EQUITY SHARE DATA
    HDFC BANK SBI HDFC BANK/ 5-Yr Chart
    Mar-16 Mar-15 SBI Click to enlarge
High Rs1,128335 337.2%   
Low Rs929190 490.1%   
Income per share (Unadj.) Rs249.82,785.7 9.0%  
Earnings per share (Unadj.) Rs50.6227.6 22.2%  
Cash flow per share (Unadj.) Rs135.91,113.2 12.2%  
Dividends per share (Unadj.) Rs9.503.50 271.4%  
Avg Dividend yield %0.91.3 69.2%  
Book value per share (Unadj.) Rs293.92,161.7 13.6%  
Shares outstanding (eoy) m2,528.19746.57 338.6%   
Bonus/Rights/Conversions ESOP--  
Avg Price / Income ratio x4.10.1 4,376.6%   
Avg P/E ratio x20.31.2 1,764.5%  
Avg P/CF ratio x16.50.6 2,788.3%  
Avg Price/Bookvalue ratio x3.50.1 2,886.9%  
Dividend payout %18.81.5 1,220.2%   
Avg Mkt Cap Rs m2,599,864195,601 1,329.2%   
No. of employees `00087.6208.0 42.1%   
Total wages & salary Rs m63,061311,176 20.3%   
Avg. income/employee Rs Th7,213.99,997.9 72.2%   
Avg. wages/employee Rs Th720.21,495.9 48.1%   
Avg. net profit/employee Rs Th1,462.1817.0 179.0%   
 
  INCOME DATA
Interest income Rs m631,6162,079,743 30.4%  
Other income Rs m112,117493,152 22.7%   
Interest expense Rs m340,6961,331,786 25.6%   
Net interest income Rs m290,920747,957 38.9%  
Operating expense Rs m178,319738,480 24.1%   
Gross profit Rs m112,6019,477 1,188.2%  
Gross profit margin %17.80.5 3,912.3%  
Provisions/contingencies Rs m29,608160,711 18.4%   
Profit before tax Rs m194,715258,546 75.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m197-8,375 -2.4%   
Prior Period Items Rs m373,144 1.2%   
Tax Rs m66,93783,372 80.3%   
Profit after tax Rs m128,013169,943 75.3%  
Net profit margin %20.38.2 248.0%  
 
  BALANCE SHEET DATA
Advances Rs m4,872,90416,922,113 28.8%   
Deposits Rs m5,458,73320,529,608 26.6%  
Credit/Deposit ratio x89.382.4 108.3%  
Yield on advances %9.89.0 108.2%   
Cost of deposits %5.35.9 90.2%   
Net Interest Margin %4.22.9 146.8%  
Net fixed assets Rs m34,797123,793 28.1%   
Share capital Rs m5,0567,466 67.7%   
Free reserves Rs m568,1521,000,352 56.8%   
Net worth Rs m743,0411,613,875 46.0%   
Borrowings Rs m717,6352,446,635 29.3%   
Investments Rs m1,616,8336,956,918 23.2%   
Total assets Rs m7,302,61827,001,100 27.0%  
Debt/equity ratio x8.314.2 58.4%   
Return on assets %1.80.6 278.5%  
Return on equity %17.210.5 163.6%  
Capital adequacy ratio %15.512.8 121.4%  
Net NPAs %0.32.1 13.2%  
 
  CASH FLOW
From Operations Rs m-76,769464,029 -16.5%  
From Investments Rs m-8,656-34,304 25.2%  
From Financial Activity Rs m110,567-15,533 -711.8%  
Net Cashflow Rs m25,142414,192 6.1%  
 
 Share Holding
Indian Promoters % 22.6 58.6 38.6%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 9.9 20.9 47.4%  
FIIs % 34.1 9.7 351.5%  
ADR/GDR % 17.0 2.1 809.5%  
Free float % 16.4 8.7 188.5%  
Shareholders   415,166 855,889 48.5%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster
Compare HDFC BANK With: YES BANK | KARUR VYSYA BANK | PNB | IDBI BANK | DCB BANK
Compare HDFC BANK With: DEUTSCHE BANK (Germany) | WELLS FARGO (US)

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