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 24.1 14.0 172.4% View Chart
P/BV x 4.9 1.1 455.2% View Chart
Dividend Yield % 0.6 1.5 42.3%  
 
 Financials
 HDFC BANK   SBI
  EQUITY SHARE DATA
    HDFC BANK SBI HDFC BANK/ 5-Yr Chart
    Mar-15 Mar-15 SBI Click to enlarge
High Rs1,105335 330.3%   
Low Rs708190 373.4%   
Income per share (Unadj.) Rs202.12,785.7 7.3%  
Earnings per share (Unadj.) Rs42.6227.6 18.7%  
Cash flow per share (Unadj.) Rs113.21,113.2 10.2%  
Dividends per share (Unadj.) Rs8.003.50 228.6%  
Avg Dividend yield %0.91.3 66.1%  
Book value per share (Unadj.) Rs252.02,161.7 11.7%  
Shares outstanding (eoy) m2,506.50746.57 335.7%   
Bonus/Rights/Conversions ESOP--  
Avg Price / Income ratio x4.50.1 4,766.9%   
Avg P/E ratio x21.31.2 1,846.4%  
Avg P/CF ratio x17.50.6 2,964.0%  
Avg Price/Bookvalue ratio x3.60.1 2,967.6%  
Dividend payout %18.81.5 1,220.1%   
Avg Mkt Cap Rs m2,271,516195,601 1,161.3%   
No. of employees `00076.3208.0 36.7%   
Total wages & salary Rs m51,627311,176 16.6%   
Avg. income/employee Rs Th6,641.69,997.9 66.4%   
Avg. wages/employee Rs Th676.81,495.9 45.2%   
Avg. net profit/employee Rs Th1,401.2817.0 171.5%   
 
  INCOME DATA
Interest income Rs m506,6652,079,743 24.4%  
Other income Rs m95,457493,152 19.4%   
Interest expense Rs m272,8851,331,786 20.5%   
Net interest income Rs m233,780747,957 31.3%  
Operating expense Rs m145,775738,480 19.7%   
Gross profit Rs m88,0059,477 928.6%  
Gross profit margin %17.40.5 3,811.8%  
Provisions/contingencies Rs m22,660160,711 14.1%   
Profit before tax Rs m160,514258,546 62.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m144-8,375 -1.7%   
Prior Period Items Rs m333,144 1.0%   
Tax Rs m53,80283,372 64.5%   
Profit after tax Rs m106,889169,943 62.9%  
Net profit margin %21.18.2 258.2%  
 
  BALANCE SHEET DATA
Advances Rs m3,834,08016,922,113 22.7%   
Deposits Rs m4,502,83720,529,608 21.9%  
Credit/Deposit ratio x85.182.4 103.3%  
Yield on advances %10.39.0 113.4%   
Cost of deposits %5.25.9 88.1%   
Net Interest Margin %4.02.9 138.9%  
Net fixed assets Rs m32,249123,793 26.1%   
Share capital Rs m5,0137,466 67.1%   
Free reserves Rs m490,6411,000,352 49.0%   
Net worth Rs m631,5411,613,875 39.1%   
Borrowings Rs m594,7832,446,635 24.3%   
Investments Rs m1,642,7266,956,918 23.6%   
Total assets Rs m6,070,96527,001,100 22.5%  
Debt/equity ratio x8.114.2 56.7%   
Return on assets %1.80.6 279.7%  
Return on equity %16.910.5 160.7%  
Capital adequacy ratio %16.812.8 131.3%  
Net NPAs %0.32.1 11.8%  
 
  CASH FLOW
From Operations Rs m-212,810464,029 -45.9%  
From Investments Rs m-8,108-34,304 23.6%  
From Financial Activity Rs m186,939-15,533 -1,203.5%  
Net Cashflow Rs m-33,979414,192 -8.2%  
 
 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: PUNJAB & SIND BANK | ALLAHABAD BANK | SOUTH IND.BANK | KARUR VYSYA BANK | PNB
Compare HDFC BANK With: DEUTSCHE BANK (Germany) | WELLS FARGO (US)

Related Views on News

HDFC Bank: Rural Push Helps CASA Growth (Quarterly Results Update - Detailed)

Jul 22, 2016

HDFC Bank declared the results for the first quarter of financial year ending March 2017 (1QFY17). The bank has reported 22% YoY and 20% YoY growth in net interest income and net profits respectively in 1QFY17.

HDFC Bank: Punjab Food Scam Spikes Provisions (Quarterly Results Update - Detailed)

Apr 25, 2016 | Updated on Apr 26, 2016

HDFC Bank declared the results for the fourth quarter of financial year ending March 2016 (4QFY16). The bank has reported 24% YoY and 20% YoY growth in net interest income and net profits respectively in 4QFY16.

SBI: FY16 Earnings Hit by Bad Loan Provisions (Quarterly Results Update - Detailed)

May 31, 2016

State Bank of India (SBI) declared its results for the fourth quarter of the financial year 2015-16 (4QFY16). The net interest income for the quarter increased by 3.9% YoY and the profit was down by 66% YoY. Here is our analysis of the results.

SBI: Profits hit by clean-up exercise (Quarterly Results Update - Detailed)

Feb 13, 2016

State Bank of India (SBI) declared its results for the third quarter of the financial year 2015-16 (3QFY16). The net interest income for the quarter fell by 1.2% YoY and the profit was down by 61.7% YoY. Here is our analysis of the results.

Punjab National Bank: Pushed in red by bad loans (Quarterly Results Update - Detailed)

Jun 2, 2016

Punjab National Bank (PNB) declared its results for the fourth quarter (4QFY16) and the financial year (FY16). While the net interest income fell by 27% YoY for the quarter, the bank posted a net loss. Even on an annual basis, the bank slipped in the red. Here is our analysis of the results.

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