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Compare HDFC Bank with ICICI Bank - Equitymaster

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HDFC BANK vs ICICI 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

ICICI BANK 
   Change

Despite being the second largest bank in the country after SBI in terms of asset size, ICICI Bank lost its share of the banking sector's advances from 10.2% in FY07 to 8% in FY12. At the end of March 2012, the bank had assets of over Rs 4.8 trillion ... More

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Current Valuations

    HDFC BANK ICICI BANK HDFC BANK/
ICICI BANK
 
P/E (TTM) x 28.6 65.5 43.7% View Chart
P/BV x 4.9 2.0 238.5% View Chart
Dividend Yield % 0.6 0.4 145.7%  

Financials

 HDFC BANK   ICICI BANK
EQUITY SHARE DATA
    HDFC BANK
Mar-18
ICICI BANK
Mar-18
HDFC BANK/
ICICI BANK
5-Yr Chart
Click to enlarge
High Rs2,014362 556.2%   
Low Rs1,425244 583.3%   
Income per share (Unadj.) Rs328.7106.7 307.9%  
Earnings per share (Unadj.) Rs71.313.2 538.7%  
Cash flow per share (Unadj.) Rs176.477.1 228.6%  
Dividends per share (Unadj.) Rs13.001.50 866.7%  
Avg Dividend yield %0.80.5 152.8%  
Book value per share (Unadj.) Rs422.3189.9 222.4%  
Shares outstanding (eoy) m2,595.095,824.48 44.6%   
Bonus/Rights/Conversions -ESOS-  
Avg Price / Income ratio x5.22.8 184.2%   
Avg P/E ratio x24.122.9 105.3%  
Avg P/CF ratio x17.86.6 271.1%  
Avg Price/Bookvalue ratio x4.11.6 255.0%  
Dividend payout %18.211.3 160.9%   
Avg Mkt Cap Rs m4,462,2571,765,982 252.7%   
No. of employees `00088.381.5 108.2%   
Total wages & salary Rs m91,93983,335 110.3%   
Avg. income/employee Rs Th9,664.07,622.8 126.8%   
Avg. wages/employee Rs Th1,041.81,021.9 101.9%   
Avg. net profit/employee Rs Th2,097.4945.7 221.8%   
INCOME DATA
Interest income Rs m852,878621,624 137.2%  
Other income Rs m160,566568,068 28.3%   
Interest expense Rs m423,815342,621 123.7%   
Net interest income Rs m429,064279,003 153.8%  
Operating expense Rs m239,272557,556 42.9%   
Gross profit Rs m189,791-278,553 -68.1%  
Gross profit margin %22.3-44.8 -49.7%  
Provisions/contingencies Rs m65,718191,949 34.2%   
Profit before tax Rs m283,61297,565 290.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m513-13,874 -3.7%   
Prior Period Items Rs m50-   
Tax Rs m99,0316,570 1,507.3%   
Profit after tax Rs m185,10077,122 240.0%  
Net profit margin %21.712.4 174.9%  
BALANCE SHEET DATA
Advances Rs m7,000,3385,668,542 123.5%   
Deposits Rs m7,883,7515,857,961 134.6%  
Credit/Deposit ratio x88.896.8 91.8%  
Yield on advances %9.77.6 126.7%   
Cost of deposits %4.24.1 102.6%   
Net Interest Margin %4.02.7 148.9%  
Net fixed assets Rs m38,10694,650 40.3%   
Share capital Rs m5,19012,858 40.4%   
Free reserves Rs m832,486591,640 140.7%   
Net worth Rs m1,095,9911,106,241 99.1%   
Borrowings Rs m1,564,4212,294,018 68.2%   
Investments Rs m2,384,6093,722,077 64.1%   
Total assets Rs m11,031,86211,242,810 98.1%  
Debt/equity ratio x8.67.4 117.0%   
Return on assets %1.70.7 244.6%  
Return on equity %16.97.0 242.3%  
Capital adequacy ratio %14.818.4 80.3%  
Net NPAs %0.44.8 8.4%  
CASH FLOW
From Operations Rs m172,144193,829 88.8%  
From Investments Rs m-8,522-505,735 1.7%  
From Financial Activity Rs m573,777396,760 144.6%  
Net Cashflow Rs m737,39985,083 866.7%  

Share Holding

Indian Promoters % 22.6 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 9.9 23.1 42.9%  
FIIs % 34.1 40.0 85.3%  
ADR/GDR % 17.0 29.2 58.3%  
Free float % 16.4 7.8 210.3%  
Shareholders   415,166 585,463 70.9%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare HDFC BANK With:   DENA BANK  SBI  UNITED BANK OF INDIA  DHANLAXMI BANK  FEDERAL BANK  

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



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