HDB · NYSE · STOCK
HDFC Bank Limited
$23.29
52W $22.66 – $37.85
53/100
$119.46B
14.2
0.42
Is HDB Bullish or Bearish?
Mixed.
Innellis AI committee rates HDFC Bank Limited (HDB) Watch with a composite score of 53/100
, based on 4 analysts with 50% agreement.
Last updated August 11, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +7.19 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -12.81 from today. The band boundary is 45.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Macro Analyst sees a compelling case — vix regime is low -- calm backdrop supports risk-taking. Risk Analyst remains cautious — bollinger bandwidth of 17.0% signals elevated volatility. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- Weekly trend (downtrend) confirms the daily trend -- multi-timeframe agreement — Technical
- VIX regime is low -- calm backdrop supports risk-taking — Macro
- Market regime is bullish (Bull market -- normal position sizing) — Macro
Bear Case
- Price structure making lower highs and lower lows — Technical
- RSI at 29 is in oversold territory (could mean either capitulation or a bounce setup) — Technical
- MACD histogram negative -- bearish momentum — Technical
- Bollinger bandwidth of 17.0% signals elevated volatility — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of August 11, 2026
Overall Committee Score
53/100
Agreement
50%
Analysts
4
Conviction
Contested
Sector Rank
Top 93%
of 209 Financial Services peers
Technical Analyst
neutral
41
/ 100 · High confidence
Mixed or range-bound price action
+ Weekly trend (downtrend) confirms the daily trend -- multi-timeframe agreement
− Price structure making lower highs and lower lows
Risk Analyst
bearish
35
/ 100 · Low confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− Bollinger bandwidth of 17.0% signals elevated volatility
Macro Analyst
bullish
78
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ VIX regime is low -- calm backdrop supports risk-taking
News Analyst
neutral
58
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 2 existing position pair(s) are highly correlated already
Technical Analysis
RSI (14)
29.2
Oversold
MACD Histogram
-0.034
Bearish Momentum
Trend Direction
Downtrend
Weekly: Downtrend
Market Structure
Mixed
Support
$22.91
Resistance
$27.48
Bollinger %B
0.32
Inside Bands
Price vs Moving Averages
EMA 9
$23.68
Below
EMA 21
$24.10
Below
EMA 50
$24.66
Below
EMA 200
$28.22
Below
Fundamental Analysis
Valuation
94
Profitability
66
Financial Health
39
Cash Flow
15
Valuation
P/E Ratio
14.2×
P/B Ratio
1.85×
PEG Ratio
1.26
Dividend Yield
2.13%
52W High
$37.85
52W Low
$22.66
Quality & Growth
ROE
1392.5%
ROA
166.3%
Gross Margin
6039.1%
Operating Margin
2276.3%
Revenue Growth YoY
—
Debt / Equity
0.93
AI Fundamental Assessment
[reduced confidence: limited earnings history] P/E ratio of 14.2 (inexpensive relative to a 15-40x range); Price-to-book of 1.9x; PEG ratio of 1.3 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 13.9%; Return on assets of 1.7%; Net margin of 15.9%; Gross margin of 60.4%; Current ratio of 0.00 (tight short-term liquidity); Debt-to-equity of 0.93; Free cash flow per share is negative (0.00); Earnings-history trend unavailable; growth based on TTM year-over-year only.
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