HDFC BANK LTD · Commercial Banks, NEC

HDB

Moderate riskNext report: Not enough history

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The short version

A profitable company with steady sales.

Going well

Profitable every year for 10 years
Brings in more cash than it spends
Buying back shares: share count down 8.1% in 3 years

Money moves

No insider buying or selling in the last 30 days
Institutions added 0.5% to their holdings in the quarter ending June 2026 (233 bought, 335 sold)

Facts from SEC filings, not a recommendation.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

4/6Mixed

MissReturn on equity 15%+Earns a lot on the money owners have in the business.8.7%
MissDebt under half of equityNot relying on borrowed money.0.76x equity
PassNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.30.3%
PassProfitable every yearSteady profits, not one good year.10 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$11.4B
PassShare count not growingNot diluting owners. Falling means buybacks.-8.1% in 3 years

Revenue: $24.8B; -3.2% vs prior year
5-year growth: +18.3%/yr; revenue, per year
Total debt: $68.7B; 0.76x equity
Free cash flow: $11.4B; 45.8% of revenue

From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. A checklist is a starting point for research, not a verdict.

Insider rating

Last 90 days

No open-market insider buys or sells in the last 90 days.

Weekly insider trend

No trades to chart yet.

Filing buzz

Last 7 days vs normal

49/ 100

This week: 2
Normal week: 2.0
vs normal: 1.0x

SEC filings of any kind. 50 means a normal week.

Institutional ownership

Steady+0.5%

Institutions added 0.5% to their holdings. 233 bought, 335 sold.

Shares held by institutions648.2M

Sep '24Jun '26

Safety check

From SEC filings

Share count growthYearly rate, last 3 years

+11.3%

Cash runwayAt last year's cash burn

Cash flow positive

Debt to equityLatest balance sheet: debt compared with what owners have

0.8x · $68.7B debt

Shares outstandingLatest reported

7.7B

Why moderate risk

Share count growing 11.3% a year (dilution)

Earnings reports

Last 0

Next reportNot enough history

Flags and big holders

Offerings 6 months, flags 12 months, holders 90 days

No offerings, red flags or new big holders. Clean record.

Insider trades

Open-market buys and sells, last 90 days

No open-market buys or sells in 90 days. Grants and option exercises are left out.

"Owns after" is the insider's holding right after the trade. Pre-planned (10b5-1) sales are set up months ahead, a weaker signal.

Latest filings

Straight from SEC EDGAR

6-KOct 26 · Form 6-K ↗6-KOct 22 · Form 6-K ↗6-KOct 19 · Form 6-K ↗6-KOct 19 · Form 6-K ↗6-KOct 14 · Form 6-K ↗6-KOct 8 · Form 6-K ↗6-KOct 5 · Form 6-K ↗6-KOct 2 · Form 6-K ↗6-KOct 1 · Form 6-K ↗6-KOct 1 · Form 6-K ↗6-KSep 22 · Form 6-K ↗6-KSep 14 · Form 6-K ↗6-KSep 14 · Form 6-K ↗6-KSep 8 · Form 6-K ↗6-KSep 2 · Form 6-K ↗

Source: SEC EDGAR filings. For informational purposes. Not investment advice.

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