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Compare HDFC Bank with Bank of Baroda - Equitymaster
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HDFC BANK vs BANK OF BARODA - 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

BANK OF BARODA 
   Change

Bank of Baroda (BoB) is among the top banks in the country with a 6.8% share of the total non-food disbursals at the end of FY12. After a brand and operating overhaul, the bank has seen accelerated growth, enabling it to position itself favourably am... More

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Current Valuations

    HDFC BANK BANK OF BARODA HDFC BANK/
BANK OF BARODA
 
P/E (TTM) x 29.6 -16.5 - View Chart
P/BV x 6.1 0.8 781.0% View Chart
Dividend Yield % 0.5 0.0 -  

Financials

 HDFC BANK   BANK OF BARODA
EQUITY SHARE DATA
    HDFC BANK
Mar-16
BANK OF BARODA
Mar-16
HDFC BANK/
BANK OF BARODA
5-Yr Chart
Click to enlarge
High Rs1,128216 521.5%   
Low Rs929109 848.6%   
Income per share (Unadj.) Rs249.8197.6 126.4%  
Earnings per share (Unadj.) Rs50.6-21.9 -231.6%  
Cash flow per share (Unadj.) Rs135.9-52.8 -257.4%  
Dividends per share (Unadj.) Rs9.500-  
Avg Dividend yield %0.90-  
Book value per share (Unadj.) Rs293.9183.4 160.3%  
Shares outstanding (eoy) m2,528.192,317.83 109.1%   
Bonus/Rights/Conversions ESOPOI-  
Avg Price / Income ratio x4.10.8 499.4%   
Avg P/E ratio x20.3-7.4 -272.6%  
Avg P/CF ratio x16.53.5 475.6%  
Avg Price/Bookvalue ratio x3.50.9 393.9%  
Dividend payout %18.80-   
Avg Mkt Cap Rs m2,599,864377,517 688.7%   
No. of employees `00087.652.0 168.3%   
Total wages & salary Rs m63,06152,010 121.2%   
Avg. income/employee Rs Th7,213.98,803.9 81.9%   
Avg. wages/employee Rs Th720.2999.8 72.0%   
Avg. net profit/employee Rs Th1,462.1-974.2 -150.1%   
INCOME DATA
Interest income Rs m631,616457,990 137.9%  
Other income Rs m112,11759,922 187.1%   
Interest expense Rs m340,696321,074 106.1%   
Net interest income Rs m290,920136,916 212.5%  
Operating expense Rs m178,31999,624 179.0%   
Gross profit Rs m112,60137,291 301.9%  
Gross profit margin %17.88.1 218.9%  
Provisions/contingencies Rs m29,608159,540 18.6%   
Profit before tax Rs m194,715-62,126 -313.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m197-347 -56.8%   
Prior Period Items Rs m370-   
Tax Rs m66,937-11,796 -567.5%   
Profit after tax Rs m128,013-50,677 -252.6%  
Net profit margin %20.3-11.1 -183.2%  
BALANCE SHEET DATA
Advances Rs m4,872,9043,914,860 124.5%   
Deposits Rs m5,458,7335,866,905 93.0%  
Credit/Deposit ratio x89.366.7 133.8%  
Yield on advances %9.87.8 124.9%   
Cost of deposits %5.35.1 104.5%   
Net Interest Margin %4.22.1 203.0%  
Net fixed assets Rs m34,79763,592 54.7%   
Share capital Rs m5,0564,621 109.4%   
Free reserves Rs m568,152209,263 271.5%   
Net worth Rs m743,041425,032 174.8%   
Borrowings Rs m717,635338,452 212.0%   
Investments Rs m1,616,8331,288,941 125.4%   
Total assets Rs m7,302,6186,911,791 105.7%  
Debt/equity ratio x8.314.6 56.9%   
Return on assets %1.8-0.7 -239.1%  
Return on equity %17.2-11.9 -144.5%  
Capital adequacy ratio %15.513.2 117.9%  
Net NPAs %0.35.1 5.5%  
CASH FLOW
From Operations Rs m-76,769-100,113 76.7%  
From Investments Rs m-8,656-40,051 21.6%  
From Financial Activity Rs m110,567-6,157 -1,795.7%  
Net Cashflow Rs m25,142-146,321 -17.2%  

Share Holding

Indian Promoters % 22.6 56.3 40.2%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 9.9 16.6 59.7%  
FIIs % 34.1 15.6 218.3%  
ADR/GDR % 17.0 0.0 -  
Free float % 16.4 11.5 142.1%  
Shareholders   415,166 180,376 230.2%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare HDFC BANK With:   BANK OF MAHARASHTRA  UNION BANK  AXIS BANK  KARUR VYSYA BANK  PNB  

Compare HDFC BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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