India’s largest private sector lender reported first quarter profits that beat estimates despite increased provisions on its balance sheet https://t.co/l61O0jNxKO ...

HDFC Bank says it will consider a bonus issue of shares on July 19, when the country’s largest private sector lender is scheduled to announce its quarterly earnings https://t.co/RXZHqRvasF ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 20-F ☐ REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended March 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to OR ☐ SHELL COMPANY REPORT PURSUANT TO SECTION 13 OR 15(d ...

Core Insights - The article compares Banco Bradesco (BBD) and HDFC Bank (HDB) to determine which stock offers better value for investors [1][3]. Valuation Metrics - BBD has a forward P/E ratio of 7.49, while HDB has a forward P/E of 22.91, indicating that BBD is significantly cheaper relative to its earnings [5]. - BBD's PEG ratio is 0.43, suggesting it is undervalued considering its expected EPS growth, whereas HDB's PEG ratio is 1.77 [5]. - BBD's P/B ratio stands at 1.05, compared to HDB's P/B of 2.96, further highlighting BBD's relative valuation attractiveness [6]. Analyst Outlook - BBD currently holds a Zacks Rank of 2 (Buy), indicating stronger earnings estimate revision activity compared to HDB, which has a Zacks Rank of 3 (Hold) [3][7]. - The stronger estimate revision activity for BBD suggests an improving analyst outlook, making it a more appealing option for value investors [3][7]. Value Grades - BBD has been assigned a Value grade of B, while HDB has a Value grade of C, reflecting BBD's more favorable valuation metrics [6].

Core Insights - Seeking Alpha has welcomed Westgrove Research as a new contributing analyst, providing a platform for investment ideas and analysis [1]. Group 1 - The article emphasizes the opportunity for individuals to share their investment ideas and get published, potentially earning money and gaining access to exclusive features [1].

Group 1 - HDFC Bank is one of the largest private sector banks in India, known for its steady growth and good asset quality over the last 2-3 decades [1] - The bank has consistently demonstrated strong performance, making it a notable player in the Indian banking sector [1] Group 2 - The investment focus is on value stocks that are available at low prices and have potential catalysts in the near future [1] - The investment horizon for these opportunities typically ranges from a quarter to two years [1]

Core Viewpoint - Investors in the Banks - Foreign sector should consider Banco Bradesco (BBD) and HDFC Bank (HDB) for potential value opportunities [1] Group 1: Zacks Rank and Value Assessment - Banco Bradesco has a Zacks Rank of 2 (Buy), indicating a more favorable earnings estimate revision compared to HDFC Bank, which has a Zacks Rank of 3 (Hold) [3] - The Zacks Rank strategy focuses on companies with positive earnings estimate revisions, while the Style Scores system evaluates companies based on specific traits [2] Group 2: Valuation Metrics - BBD has a forward P/E ratio of 7.10, significantly lower than HDB's forward P/E of 21.77, suggesting BBD may be undervalued [5] - BBD's PEG ratio is 0.40, while HDB's PEG ratio is 1.68, indicating BBD's expected EPS growth is more favorable relative to its valuation [5] - BBD's P/B ratio is 0.99, compared to HDB's P/B of 2.81, further supporting BBD's position as a more attractive value option [6] Group 3: Overall Value Grades - BBD has a Value grade of B, while HDB has a Value grade of C, highlighting BBD's superior valuation metrics and earnings outlook [6]

Core Viewpoint - Investors in the Banks - Foreign sector may consider Barclays (BCS) or HDFC Bank (HDB) as potential undervalued stocks [1] Group 1: Zacks Rank and Earnings Outlook - Barclays has a Zacks Rank of 1 (Strong Buy), indicating a positive earnings outlook, while HDFC Bank has a Zacks Rank of 3 (Hold) [3] - The Zacks Rank emphasizes stocks with positive revisions to earnings estimates, suggesting that BCS has an improving earnings outlook [3][7] Group 2: Valuation Metrics - BCS has a forward P/E ratio of 7.76, significantly lower than HDB's forward P/E of 19.73 [5] - BCS's PEG ratio is 0.40, while HDB's PEG ratio is 2.13, indicating BCS may be undervalued relative to its expected earnings growth [5] - BCS has a P/B ratio of 0.61 compared to HDB's P/B of 2.47, further supporting BCS's valuation as more attractive [6] - These metrics contribute to BCS's Value grade of B and HDB's Value grade of D [6]

Financial Data and Key Metrics - The company has just declared its Q3 FY 2025 results, indicating a challenging macro environment with tight liquidity conditions and signs of moderating economic activity [4] Business Line Data and Key Metrics - No specific data or metrics related to individual business lines were provided in the content Market Data and Key Metrics - No specific data or metrics related to individual markets were provided in the content Company Strategy and Industry Competition - The company is operating in a challenging macro environment, which may influence its strategic decisions and competitive positioning [4] Management Commentary on Operating Environment and Future Outlook - The management acknowledges the challenging macro environment, including tight liquidity conditions and signs of moderating economic activity, which could impact future performance [4] Other Important Information - The earnings conference call was held on January 22, 2025, with key participants including the CFO and CEO of HDFC Bank Limited [1][2][3] Q&A Session Summary - No specific questions or answers were provided in the content

Q3FY25 Earnings Presentation January 22, 2025 Key performance metrics for Q3 FY25 2 HDFC Bank Presentation Q3 FY2025 ➢ Deposits; average YoY ↑ ₹ 3.36 tn (15.9%) ; EOP YoY ↑ ₹ 3.50 tn (15.8%) ✓ Average deposits QoQ ↑ ₹ 0.99 tn (4.2%) ; EOP QoQ ↑ ₹ 0.64 tn (2.5%) ✓ Average CASA QoQ ↑ ₹ 0.09 tn (1.1%) ; EOP QoQ ↓ ₹ 0.11 tn (↓ 1.2%) ✓ Average time deposits QoQ ↑ ₹ 0.90 tn (5.8%) ; EOP QoQ ↑ ₹ 0.75 tn (4.6%) ➢ AUM; average YoY ↑ ₹ 1.86 tn ( 7.6%) ; EOP YoY ↑ ₹ 1.55 tn (6.1%) ✓ Average AUM; QoQ ↑ ₹ 0.64 tn (2.5%) ...