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Compare HDFC Bank with Development Credit Bank - Equitymaster
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HDFC BANK vs DCB BANK - 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

DCB BANK 
   Change

Development Credit Bank (DCB) is a small new generation private sector bank serving around 6 lakh customers with a network of more than 80 branches and 130 ATMs. Its branches are concentrated in western India with 65% branches located in Maharashtra,... More

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Current Valuations

    HDFC BANK DCB BANK HDFC BANK/
DCB BANK
 
P/E (TTM) x 29.6 23.8 124.3% View Chart
P/BV x 6.1 2.4 257.4% View Chart
Dividend Yield % 0.5 0.3 198.0%  

Financials

 HDFC BANK   DCB BANK
EQUITY SHARE DATA
    HDFC BANK
Mar-16
DCB BANK
Mar-17
HDFC BANK/
DCB BANK
5-Yr Chart
Click to enlarge
High Rs1,128172 655.0%   
Low Rs92978 1,189.2%   
Income per share (Unadj.) Rs249.872.8 343.4%  
Earnings per share (Unadj.) Rs50.67.0 723.6%  
Cash flow per share (Unadj.) Rs135.928.9 471.0%  
Dividends per share (Unadj.) Rs9.500.50 1,900.0%  
Avg Dividend yield %0.90.4 231.2%  
Book value per share (Unadj.) Rs293.977.3 380.4%  
Shares outstanding (eoy) m2,528.19285.36 886.0%   
Bonus/Rights/Conversions ESOPOI-  
Avg Price / Income ratio x4.11.7 239.3%   
Avg P/E ratio x20.317.9 113.6%  
Avg P/CF ratio x16.511.5 143.7%  
Avg Price/Bookvalue ratio x3.51.6 216.0%  
Dividend payout %18.87.1 262.6%   
Avg Mkt Cap Rs m2,599,86435,713 7,279.9%   
No. of employees `00087.6NA-   
Total wages & salary Rs m63,0613,080 2,047.2%   
Avg. income/employee Rs Th7,213.9NM-  
Avg. wages/employee Rs Th720.2NM-  
Avg. net profit/employee Rs Th1,462.1N.A.-  
INCOME DATA
Interest income Rs m631,61620,762 3,042.2%  
Other income Rs m112,1172,495 4,494.5%   
Interest expense Rs m340,69612,791 2,663.6%   
Net interest income Rs m290,9207,971 3,649.8%  
Operating expense Rs m178,3196,283 2,838.0%   
Gross profit Rs m112,6011,688 6,672.3%  
Gross profit margin %17.88.1 219.3%  
Provisions/contingencies Rs m29,6081,115 2,655.6%   
Profit before tax Rs m194,7153,067 6,348.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m1970-   
Prior Period Items Rs m370-   
Tax Rs m66,9371,070 6,253.4%   
Profit after tax Rs m128,0131,997 6,410.9%  
Net profit margin %20.39.6 210.7%  
BALANCE SHEET DATA
Advances Rs m4,872,904158,176 3,080.7%   
Deposits Rs m5,458,733192,892 2,829.9%  
Credit/Deposit ratio x89.382.0 108.9%  
Yield on advances %9.810.4 94.0%   
Cost of deposits %5.36.1 87.4%   
Net Interest Margin %4.23.5 121.1%  
Net fixed assets Rs m34,7974,886 712.2%   
Share capital Rs m5,0562,854 177.2%   
Free reserves Rs m568,15213,116 4,331.8%   
Net worth Rs m743,04122,049 3,370.0%   
Borrowings Rs m717,63512,758 5,624.9%   
Investments Rs m1,616,83358,179 2,779.0%   
Total assets Rs m7,302,618240,464 3,036.9%  
Debt/equity ratio x8.39.3 89.1%   
Return on assets %1.80.8 211.1%  
Return on equity %17.29.1 190.2%  
Capital adequacy ratio %15.513.8 112.9%  
Net NPAs %0.30.8 35.4%  
CASH FLOW
From Operations Rs m-76,7692,398 -3,201.4%  
From Investments Rs m-8,656-711 1,217.4%  
From Financial Activity Rs m110,5671,322 8,363.0%  
Net Cashflow Rs m25,1423,009 835.6%  

Share Holding

Indian Promoters % 22.6 0.9 2,511.1%  
Foreign collaborators % 0.0 15.5 -  
Indian inst/Mut Fund % 9.9 23.2 42.7%  
FIIs % 34.1 15.0 227.3%  
ADR/GDR % 17.0 0.0 -  
Free float % 16.4 45.5 36.0%  
Shareholders   415,166 184,073 225.5%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare HDFC BANK With:   KARUR VYSYA BANK  BANK OF MAHARASHTRA  INDIAN OVERSEAS BANK  ORIENTAL BANK  CANARA BANK  

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



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