HDFCBANK vs SBIN
Side-by-side comparison of HDFC Bank Ltd. and State Bank of India. Descriptive only — not investment advice.
HDFC Bank Ltd.
Banking
Quality Score: 62/100
State Bank of India
Banking
Quality Score: 77/100
At a glance
| Metric | HDFCBANK | SBIN |
|---|---|---|
| Quality Score | 62/100 | 77/100 |
| P/E (trailing) | 16.0 | 11.4 |
| Forward P/E | 11.7 | 10.2 |
| ROE | +13.8% | +15.2% |
| Profit margin | +26.8% | +22.4% |
| Debt-to-equity | — | — |
| Dividend yield | +1.78% | +1.62% |
| 1Y price return | -24.9% | +34.8% |
| From 52w high | -27.2% | -12.1% |
| Analyst rating1 = Strong Buy, 5 = Strong Sell | 1.20 | 1.45 |
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).
SBIN trades at ₹1066, up 34.78% over the past year and 10.67% over 3 months, holding above both its 50-day (₹1029.88) and 200-day (₹1019.04) moving averages with RSI at 57.88 (neutral). Its trailing PE of 11.4 and ROE of 15.18% each rank 1st of 6 tracked Banking-sector peers, while the 8 tracked news items over the period run 5 positive, 3 neutral and 0 negative, including an August 7 report of Q1 FY27 standalone profit up 10.2% YoY to ₹21,121 crore.
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).
- ✓Trailing PE of 11.4 (forward 10.19) ranks 1st of 6 tracked Banking-sector peers; ROE of 15.18% also ranks 1st of 6.
- ✓Q1 FY27 standalone net profit rose 10.2% YoY to ₹21,121 crore on higher interest income, per an August 7 report.
- ✓Price is up 34.78% over 1 year and 10.67% over 3 months, trading above both the 50-DMA (₹1029.88) and 200-DMA (₹1019.04).
- ✓Mean analyst rating of 1.45 across 37 analysts (1–5 scale, lower = more constructive); 5 of 8 tracked news items over the period carry positive sentiment with none negative.
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 has cleared the 15% mark in only 3 of the tracked years, with a persistence consistency score of 59/100.
- ✗Free cash flow was positive in only 3 of the tracked years and the debt trend is flagged "rising" in the persistence data; a standalone debtToEquity figure isn't reported for this bank.
- ✗Stock is down 12.11% from its 52-week high even after the 1-year and 3-month gains.
- ✗Sector peer data is incomplete: 1-year price change isn't available for any of the 5 tracked Banking peers, and ROE is missing for 2 of them (Bajaj Finserv, Bajaj Finance), limiting how far the sector comparison can be pushed.
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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.