HDFCBANK vs KOTAKBANK
Side-by-side comparison of HDFC Bank Ltd. and Kotak Mahindra Bank Ltd.. Descriptive only — not investment advice.
HDFC Bank Ltd.
Banking
Quality Score: 62/100
Kotak Mahindra Bank Ltd.
Banking
Quality Score: 68/100
At a glance
| Metric | HDFCBANK | KOTAKBANK |
|---|---|---|
| Quality Score | 62/100 | 68/100 |
| P/E (trailing) | 16.0 | 19.3 |
| Forward P/E | 11.7 | 15.4 |
| ROE | +13.8% | — |
| Profit margin | +26.8% | +28.5% |
| Debt-to-equity | — | — |
| Dividend yield | +1.78% | +0.17% |
| 1Y price return | -24.9% | -1.6% |
| From 52w high | -27.2% | -13.0% |
| Analyst rating1 = Strong Buy, 5 = Strong Sell | 1.20 | 1.69 |
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).
Kotak Mahindra Bank trades at ₹393.5, up 2.87% over 3 months but down 1.57% over 12 months, 13.02% below its 52-week high and below its 200-DMA (₹401.52). It carries a PE of 19.28 (forward PE 15.38), a profit margin of 28.47%, and ranks 2nd of 6 tracked Banking-sector peers on composite quality score. Recent news flow is positive (7 of 8 headlines), driven largely by 16-27% YoY Q1 FY27 profit growth and a leadership transition naming co-CEOs and a vice chairman.
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).
- ✓Profit margin of 28.47% alongside 5-year revenue growth of 21% and earnings growth of 22.5%.
- ✓Analyst coverage of 36 analysts averages 1.69 on a 1-5 scale (lower = more constructive).
- ✓Quality score of 69 ranks 2nd of 6 tracked Banking-sector peers; PE of 19.28 ranks 3rd of 6, below peers such as HDFCLIFE (58.71) and BAJFINANCE (33.63).
- ✓Q1 FY27 results reported PAT growth of 23-27% YoY across sources (figures cited: ₹4,123 crore and ₹5,480 crore), with loan growth cited as a driver.
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.
- ✗Persistence tracking shows 0 years with ROE above 15% and a consistency score of 32/100, with the debt trend over the tracked period classified as rising.
- ✗Price is 13.02% below its 52-week high and below the 200-DMA (₹401.52), despite trading just above the 50-DMA (₹390).
- ✗12-month price change is -1.57%, a divergence from the predominantly positive recent news flow.
- ✗ROE and debt-to-equity are not populated in the current fundamental snapshot, and priceChange1Y is unavailable for all listed peers, limiting benchmarking.
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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.