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HDFC BANK vs SBI - Comparison Results

Rs 100 invested in...

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Current Valuations

    HDFC BANK SBI HDFC BANK/
SBI
 
P/E (TTM) x 18.3 10.0 184.2% View Chart
P/BV x 3.8 1.8 212.8% View Chart
Dividend Yield % 1.3 1.6 83.7%  

Financials

 HDFC BANK   SBI
EQUITY SHARE DATA
    HDFC BANK
Mar-23
SBI
Mar-23
HDFC BANK/
SBI
5-Yr Chart
Click to enlarge
High Rs1,722630 273.5%   
Low Rs1,272431 295.2%   
Income per share (Unadj.) Rs306.0393.1 77.8%  
Earnings per share (Unadj.) Rs82.462.4 132.2%  
Cash flow per share (Unadj.) Rs150.0254.7 58.9%  
Dividends per share (Unadj.) Rs19.0011.30 168.1%  
Avg Dividend yield %1.32.1 59.6%  
Book value per share (Unadj.) Rs516.7402.2 128.5%  
Shares outstanding (eoy) m5,579.748,924.61 62.5%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x4.91.3 362.6%   
Avg P/E ratio x18.28.5 213.5%  
Avg P/CF ratio x11.15.1 217.5%  
Avg Price/Bookvalue ratio x2.91.3 219.7%  
Dividend payout %23.018.1 127.2%   
Avg Mkt Cap Rs m8,351,7594,732,052 176.5%   
No. of employees `000NANA-   
Total wages & salary Rs m200,169619,209 32.3%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m1,707,5413,508,446 48.7%  
Other income Rs m339,1211,225,336 27.7%   
Interest expense Rs m777,7991,899,808 40.9%   
Net interest income Rs m929,7411,608,638 57.8%  
Operating expense Rs m515,3371,898,145 27.1%   
Gross profit Rs m414,404-289,507 -143.1%  
Gross profit margin %24.3-8.3 -294.1%  
Provisions/contingencies Rs m292,038370,244 78.9%   
Profit before tax Rs m614,984753,983 81.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-1,516-21,017 7.2%   
Prior Period Items Rs m011,915 0.0%   
Tax Rs m153,497188,399 81.5%   
Profit after tax Rs m459,971556,482 82.7%  
Net profit margin %26.915.9 169.8%  
BALANCE SHEET DATA
Advances Rs m16,619,49332,679,021 50.9%   
Deposits Rs m18,826,63344,685,355 42.1%  
Credit/Deposit ratio x88.373.1 120.7%  
Yield on advances %8.27.0 116.7%   
Cost of deposits %3.33.7 89.3%   
Net Interest Margin %4.33.1 137.8%  
Net fixed assets Rs m84,756440,238 19.3%   
Share capital Rs m5,5808,925 62.5%   
Free reserves Rs m2,877,6233,580,389 80.4%   
Net worth Rs m2,883,2033,589,313 80.3%   
Borrowings Rs m2,565,4875,211,520 49.2%   
Investments Rs m5,115,81719,131,079 26.7%   
Total assets Rs m25,304,32459,544,183 42.5%  
Debt/equity ratio x7.413.9 53.4%   
Return on assets %1.80.9 194.5%  
Return on equity %16.015.5 102.9%  
Capital adequacy ratio %19.314.7 131.2%  
Net NPAs %0.30.7 40.3%  
CASH FLOW
From Operations Rs m208,137-860,137 -24.2%  
From Investments Rs m-34,239-40,410 84.7%  
From Financial Activity Rs m239,40663,864 374.9%  
Net Cashflow Rs m417,621-805,932 -51.8%  

Share Holding

Indian Promoters % 0.0 57.5 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 83.0 35.1 236.6%  
FIIs % 52.3 10.9 479.3%  
ADR/GDR % 0.0 0.0 -  
Free float % 100.0 42.5 235.3%  
Shareholders   3,018,247 3,047,685 99.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare HDFC BANK With:   AXIS BANK    ICICI BANK    KOTAK MAHINDRA BANK    PNB    BANK OF BARODA    


More on HDFC Bank vs SBI

No comparison is complete without understanding how the stock prices have performed over a period of time.

Here's a brief comparison:

HDFC Bank vs SBI Share Price Performance

Period HDFC Bank SBI S&P BSE BANKEX
1-Day 0.33% -1.10% -0.44%
1-Month 2.39% -4.80% -0.33%
1-Year -7.06% 39.21% 17.77%
3-Year CAGR -1.04% 24.88% 11.00%
5-Year CAGR 5.06% 19.01% 9.51%

* Compound Annual Growth Rate

Here are more details on the HDFC Bank share price and the SBI share price.

Moving on to shareholding structures...

The promoters of HDFC Bank hold a 0.0% stake in the company. In case of SBI the stake stands at 57.5%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of HDFC Bank and the shareholding pattern of SBI.

Finally, a word on dividends...

In the most recent financial year, HDFC Bank paid a dividend of Rs 19.0 per share. This amounted to a Dividend Payout ratio of 23.0%.

SBI paid Rs 11.3, and its dividend payout ratio stood at 18.1%.

You may visit here to review the dividend history of HDFC Bank, and the dividend history of SBI.

For a sector overview, read our banking sector report.



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