HDB Stock Analysis: Buy, Sell, or Hold?
HDB - HDFC Bank Limited
$32.38
-0.17 (-0.52%)
▼
BUY
HIGH Confidence
Last Updated: January 30, 2026
Earnings: Apr 18, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: HDB shows strong fundamentals and good volume confirmation. Solid entry point despite slightly low pricing.
✅ BUY SIGNAL: HDB shows strong fundamentals and good volume confirmation. Solid entry point despite slightly low pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$24.77
Based on -4.9% avg growth
INTRINSIC VALUE TODAY
$15.38
Trading above fair value
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 23.7x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: HDB is currently trading at $32.38, which is considered slightly low relative to its 30-day fair value range of $32.11 to $35.57. The stock's valuation (Forward PE: 23.9) is in line with its historical norms (23.7). At these levels, the market is pricing in 0.3% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, HDB is in a downtrend. The price is approaching resistance at $32.78. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (45/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $42.95 (+32.0%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, HDB is in a downtrend. The price is approaching resistance at $32.78. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (45/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $42.95 (+32.0%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Fair Price Range
$32.11 -
$35.57
Company Quality Score
57/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
80.5%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (45/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 32.0% below Wall St target ($42.95)
- NEUTRAL: Market pricing in 0.3% annual earnings growth - fairly valued
Fair Price Analysis
30-Day Fair Range
$32.11 -
$35.57
Current vs Fair Value
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$31.34
Resistance Level
$32.78
Current Trend
Downtrend
Fundamental Context
Forward P/E (Next Year Est.)
23.90
Wall Street Target
$42.95
(+32.0%)
Revenue Growth (YoY)
26.4%
Earnings Growth (YoY)
11.5%
Profit Margin
26.2%
Valuation Premium vs History
+0.3% premium
PE vs Historical
23.9 vs 23.7
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+0.3%
(market-implied from PE analysis)
1-Year Target
$32.65
(+0%)
2-Year Target
$32.75
(+1%)
3-Year Target
$32.84
(+1%)
3-Yr Target (if PE normalizes)
(PE: 24→24)
PE COMPRESSION
$32.57
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 23.9, Growth: -13.9%)
$23.73
(+-27%)
Base:
(SPY PE: 22.3, Growth: -13.9%)
$22.14
(-32%)
Bear:
(PE: 19.0, Growth: -13.9%)
$18.82
(-42%)
📈
Valuation based on Current Earnings
Trailing PE: 22.53 | Current EPS (TTM): $1.44
Bull Case
$33.75
(+4%)
Analyst growth -5.4%, PE expands to 24.8
Base Case
$30.69
(-6%)
Market implied -5.4%, PE stable at 22.5
Bear Case
$22.06
(-32%)
Severe decline -20.0%, PE contracts to 19.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Last updated: January 30, 2026 5:39 PM ET
Data refreshes hourly during market hours. Next update: 6:39 PM
Data refreshes hourly during market hours. Next update: 6:39 PM
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Technical Signals Check
Is HDB showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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Advanced HDB Option Strategies
Professional options setups generated by AI based on today's HDB price and gamma walls.
