` Comparison: 500112, HDFCBANK - Alpha Spread

500112
vs
HDFCBANK

Over the past 12 months, SBIN has outperformed HDFCBANK, delivering a return of +11% compared to the HDFCBANK's +8% growth.

Valuation Growth Profitability Solvency Stocks Performance
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500112
HDFCBANK
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Stocks Compared:
500112 HDFCBANK
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Valuation Comparison

SBIN Intrinsic Value
1 032.71 INR
Undervaluation 7%
Intrinsic Value
Price
HDFCBANK Intrinsic Value
849.48 INR
Overvaluation 15%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
State Bank of India
BSE:500112
959.35 INR
HDFC Bank Ltd
NSE:HDFCBANK
997.1 INR
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
500112, HDFCBANK

500112
HDFCBANK
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
State Bank of India
Revenue
HDFC Bank Ltd
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
500112, HDFCBANK

500112
HDFCBANK
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
State Bank of India
BSE:500112
FCF is not applicable for financial companies
HDFC Bank Ltd
NSE:HDFCBANK
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

SBIN
HDFCBANK
LTM 3Y Avg 5Y Avg 10Y Avg
State Bank of India
Not applicable for financial companies
HDFC Bank Ltd
Not applicable for financial companies

Operating Margin

SBIN
HDFCBANK
LTM 3Y Avg 5Y Avg 10Y Avg
State Bank of India
Not applicable for financial companies
HDFC Bank Ltd
Not applicable for financial companies

Net Margin

SBIN
21.4%
HDFCBANK
24.5%
LTM 3Y Avg 5Y Avg 10Y Avg
State Bank of India
HDFC Bank Ltd

FCF Margin

SBIN
HDFCBANK
LTM 3Y Avg 5Y Avg 10Y Avg
State Bank of India
Not applicable for financial companies
HDFC Bank Ltd
Not applicable for financial companies

ROE

SBIN
15.7%
HDFCBANK
14.1%
LTM 3Y Avg 5Y Avg 10Y Avg
State Bank of India
HDFC Bank Ltd

ROA

SBIN
1.1%
HDFCBANK
1.7%
LTM 3Y Avg 5Y Avg 10Y Avg
State Bank of India
HDFC Bank Ltd

ROIC

SBIN
HDFCBANK
LTM 3Y Avg 5Y Avg 10Y Avg
State Bank of India
Not applicable for financial companies
HDFC Bank Ltd
Not applicable for financial companies

ROCE

SBIN
HDFCBANK
LTM 3Y Avg 5Y Avg 10Y Avg
State Bank of India
Not applicable for financial companies
HDFC Bank Ltd
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
500112, HDFCBANK

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500112
HDFCBANK
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
500112, HDFCBANK

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500112
HDFCBANK
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
500112, HDFCBANK

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500112
HDFCBANK
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