HDFCBANK vs ICICIBANK
Side-by-side comparison of HDFC Bank Ltd. and ICICI Bank Ltd.. Descriptive only — not investment advice.
HDFC Bank Ltd.
Banking
Quality Score: 62/100
ICICI Bank Ltd.
Banking
Quality Score: 79/100
At a glance
| Metric | HDFCBANK | ICICIBANK |
|---|---|---|
| Quality Score | 62/100 | 79/100 |
| P/E (trailing) | 16.0 | 18.5 |
| Forward P/E | 11.7 | 15.2 |
| ROE | +13.8% | +16.1% |
| Profit margin | +26.8% | +27.5% |
| Debt-to-equity | — | — |
| Dividend yield | +1.78% | +0.84% |
| 1Y price return | -24.9% | +0.9% |
| From 52w high | -27.2% | -2.6% |
| Analyst rating1 = Strong Buy, 5 = Strong Sell | 1.20 | 1.12 |
Highlighted value = better on the metric (lower for P/E, D/E, drawdown, analyst rating; higher elsewhere). Descriptive only.
Snapshots
HDFCBANK trades at ₹731, down 24.85% over the past year and 27.18% below its 52-week high, sitting below both its 50-DMA (₹771.28) and 200-DMA (₹854.13). Q1 results (reported 2026-07-18) showed net profit up 5% YoY on lower provisions, alongside coverage citing worsening asset quality and record-low margins. Mean analyst rating stands at 1.2 across 40 analysts (1-5 scale, lower = more constructive).
ICICI Bank trades at ₹1,429.60, up 15.84% over the last 3 months but only 0.87% over the trailing 12 months, sitting 2.59% below its 52-week high and above both its 50-day (₹1,376.75) and 200-day (₹1,339.19) moving averages. Q1 FY27 net profit rose 16% YoY to ₹14,805 crore with reportedly improved asset quality, and the stock trades at a trailing PE of 18.49x (forward PE 15.21x) against an ROE of 16.07% and a 27.53% profit margin. Mean analyst rating stands at 1.12 across 41 analysts (1-5 scale, lower = more constructive).
Pros
- ✓Trailing PE of 15.97x and forward PE of 11.68x, with forward PE 27% below trailing PE, consistent with expected earnings growth.
- ✓5-year revenue growth of 16.6% and 5-year earnings growth of 18.1%.
- ✓Positive free cash flow in 4 of the last 5 tracked years.
- ✓Ranks 2nd of 6 in its Banking-sector peer set on PE, ROE, and composite quality score (66).
- ✓ROE of 16.07% ranks 1st of 6 tracked Banking-sector peers, ahead of Axis Bank (13.35%), HDFC Bank (13.84%) and HDFC Life (10.80%).
- ✓Q1 FY27 net profit rose 16% YoY to ₹14,805 crore, beating estimates, with asset quality reported as improved.
- ✓Trailing PE of 18.49x ranks 3rd of 6 tracked peers, below Bajaj Finance (33.63x), Bajaj Finserv (32.12x) and HDFC Life (58.71x).
- ✓Completed issuance of USD 1 billion senior unsecured notes under its USD 7.5 billion Global Medium Term Note programme, alongside a return to dollar-bond markets.
Cons
- ✗Down 24.85% over the past year and 27.18% below its 52-week high, trading below both the 50-DMA and 200-DMA.
- ✗News flow over the tracked window skews negative (4 of 8 items), including a 2026-08-03 headline referencing fines for employee overreach and US probes into the bank.
- ✗ROE of 13.84% exceeded the 15% threshold in only 1 of the last 5 tracked years, with a composite consistency score of 56 of 100.
- ✗Q1 results coverage described worsening asset quality and record-low margins alongside the reported 5% profit growth.
- ✗ROE cleared the 15% threshold in only 3 of the last 5 tracked years and free cash flow was positive in only 3 of 5 years (consistency score 75/100), despite the current 16.07% reading.
- ✗Debt-to-equity is not reported in this snapshot; standard leverage and FCF-persistence metrics built for non-financial companies have limited direct read-through to a bank's balance sheet, where capital adequacy and NPA trends carry more information.
- ✗The tracked Banking-sector peer set mixes two traditional banks with two NBFCs and one insurer, and 1-year price-change data is unavailable for all 5 peers, limiting how far the PE/ROE/quality-score rankings can be read.
- ✗A recent report flagged insiders selling ₹282 million of stock, and 3 of the 8 tracked news items trace to the same Q1 results event, concentrating the sentiment tally in one catalyst.
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For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Comparison reflects current public data; consult a registered adviser before any investment decision.