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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 31.0 18.3 169.1% View Chart
P/BV x 6.3 2.0 320.0% View Chart
Dividend Yield % 0.5 1.7 29.9%  

Financials

 HDFC BANK   ICICI BANK
EQUITY SHARE DATA
    HDFC BANK
Mar-16
ICICI BANK
Mar-16
HDFC BANK/
ICICI BANK
5-Yr Chart
Click to enlarge
High Rs1,128331 340.4%   
Low Rs929183 506.4%   
Income per share (Unadj.) Rs249.8102.3 244.3%  
Earnings per share (Unadj.) Rs50.617.6 288.4%  
Cash flow per share (Unadj.) Rs135.972.5 187.4%  
Dividends per share (Unadj.) Rs9.505.00 190.0%  
Avg Dividend yield %0.91.9 47.5%  
Book value per share (Unadj.) Rs293.9162.3 181.1%  
Shares outstanding (eoy) m2,528.195,797.24 43.6%   
Bonus/Rights/Conversions ESOPESOS-  
Avg Price / Income ratio x4.12.5 163.6%   
Avg P/E ratio x20.314.7 138.6%  
Avg P/CF ratio x16.56.6 248.6%  
Avg Price/Bookvalue ratio x3.51.6 220.7%  
Dividend payout %18.828.5 65.9%   
Avg Mkt Cap Rs m2,599,8641,491,920 174.3%   
No. of employees `00087.674.1 118.2%   
Total wages & salary Rs m63,06169,186 91.1%   
Avg. income/employee Rs Th7,213.98,002.3 90.1%   
Avg. wages/employee Rs Th720.2933.7 77.1%   
Avg. net profit/employee Rs Th1,462.11,373.9 106.4%   
INCOME DATA
Interest income Rs m631,616592,937 106.5%  
Other income Rs m112,117421,021 26.6%   
Interest expense Rs m340,696339,965 100.2%   
Net interest income Rs m290,920252,972 115.0%  
Operating expense Rs m178,319407,896 43.7%   
Gross profit Rs m112,601-154,923 -72.7%  
Gross profit margin %17.8-26.1 -68.2%  
Provisions/contingencies Rs m29,608123,054 24.1%   
Profit before tax Rs m194,715143,044 136.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m197-7,469 -2.6%   
Prior Period Items Rs m370-   
Tax Rs m66,93733,775 198.2%   
Profit after tax Rs m128,013101,800 125.8%  
Net profit margin %20.317.2 118.0%  
BALANCE SHEET DATA
Advances Rs m4,872,9044,937,291 98.7%   
Deposits Rs m5,458,7334,510,774 121.0%  
Credit/Deposit ratio x89.3109.5 81.6%  
Yield on advances %9.88.4 116.4%   
Cost of deposits %5.34.9 109.5%   
Net Interest Margin %4.24.5 93.4%  
Net fixed assets Rs m34,79787,135 39.9%   
Share capital Rs m5,05611,632 43.5%   
Free reserves Rs m568,152560,261 101.4%   
Net worth Rs m743,041941,040 79.0%   
Borrowings Rs m717,6352,203,777 32.6%   
Investments Rs m1,616,8330-   
Total assets Rs m7,302,6189,187,562 79.5%  
Debt/equity ratio x8.37.1 116.5%   
Return on assets %1.81.1 158.2%  
Return on equity %17.210.8 159.3%  
Capital adequacy ratio %15.516.6 93.6%  
Net NPAs %0.33.0 9.4%  
CASH FLOW
From Operations Rs m-76,769236,453 -32.5%  
From Investments Rs m-8,656-118,193 7.3%  
From Financial Activity Rs m110,56758,139 190.2%  
Net Cashflow Rs m25,142176,400 14.3%  

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:   PUNJAB & SIND BANK  UNION BANK  AXIS BANK  KARUR VYSYA BANK  PNB  

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



Today's Market

Of US Fed Meet, Anti-dumping Duty on Radical Tyres, and Top Stocks in Action Today(Pre-Open)

Indian share markets closed their Wednesday session on a flat note. At the closing bell yesterday, the BSE Sensex closed lower by 2 points and the NSE Nifty finished down by 6 points.

Related Views on News

HDFC Bank: Asset Quality Deteriorates due to Farm Loan Waiver (Quarterly Results Update - Detailed)

Jul 25, 2017

Asset quality was under pressure on account of farm loan waivers. Despite the higher provisioning, the company reported a healthy profit growth of 20%.

HDFC Bank: Solid Performance Amidst a Difficult Environment (Quarterly Results Update - Detailed)

May 3, 2017

Personal Loans and Credit Cards help HDFC bank report a robust set of numbers over the fourth quarter and for the financial year 2017.

ICICI Bank: Loan Slippages Trending Downwards (Quarterly Results Update - Detailed)

Aug 10, 2017

Asset quality will be the key thing to watch out for going forward.

ICICI Bank: Provision Costs Up 5 Fold In First Half of FY17 (Quarterly Results Update - Detailed)

Nov 18, 2016

ICICI Bank declared the results for the second quarter of financial year ending March 2017 (2QFY17). The bank reported a flattish net interest income while net profits grew by 2.4%YoY in 2QFY17.

SBI: Asset Quality and Slow Credit Remain Achilles' Heel (Quarterly Results Update - Detailed)

Aug 22, 2017

State Bank of India (SBI) continues to battle sliding asset quality and sluggish credit growth.

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Sep 20, 2017 (Close)

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