HDFC Bank Limited vs PTC India Financial Services Limited

A side-by-side comparison of HDFC Bank Limited (HDFCBANK) and PTC India Financial Services Limited (PFS) — valuation, profitability, growth, and financial health — to help you judge which is the stronger buy today.

The verdict

HDFC Bank Limited vs PTC India Financial Services Limited are evenly matched on the numbers (7–7). The breakdown below shows where each one wins.

  • Valuation13
  • Profitability13
  • Growth11
  • Size & financial health40
ValueReturnsMarginGrowthScaleLow debt

Each axis shows this group's split of that metric, scaled so the leader sits at the edge. Relative to each other, not an absolute score.

Valuation

PFS takes 3/4

How expensive each stock is relative to its earnings and book value. Lower usually means cheaper.

14.72
P/E ratio
10.94
1.78
P/B ratio
0.57
2.59%
Dividend yield
3.64%
₹49.50
EPS
₹2.62

Profitability

PFS takes 3/4

How efficiently each company turns capital and sales into profit. Higher is better.

13.07%
Return on equity
0.00%
5.86%
Return on capital
12.56%
21.46%
EBITDA margin
120.56%
21.81%
Net margin
62.06%

Growth

Even

Three-year compounded growth. Faster-growing businesses can justify a higher valuation.

26.86%
Revenue CAGR (3Y)
-13.35%
18.10%
Profit CAGR (3Y)
21.97%

Size & financial health

HDFCBANK takes 4/4

Scale and balance-sheet strength. Bigger revenue/profit and lower debt are generally safer.

₹11.23L Cr
Market cap
₹1,763 Cr
₹3.49L Cr
Revenue
₹515 Cr
₹76,026 Cr
Net profit
₹319 Cr
0.00
Debt / equity
0.57
HDFC Bank Limited
  • + ["Company has delivered good profit growth of 19.0% CAGR over last 5 years", "Company has been maintaining a healthy dividend payout of 31.4%", "Company has delivered good sales growth of 22.1% CAGR over last 5 years"]
  • − []
PTC India Financial Services Limited
  • + ["Company has delivered good profit growth of 65.1% CAGR over last 5 years", "Stock is trading at 0.57 times its book value"]
  • − ["The company has delivered a poor sales growth of -14.6% over past five years.", "Company has a low return on equity of 8.5% over last 3 years.", "Though the company is reporting repeated profits, it is not paying out dividend"]
HDFC Bank Limited full analysis PTC India Financial Services Limited full analysis

This comparison is for informational purposes only and is not investment advice. Please consult a SEBI-registered advisor before investing.

HDFCBANK vs PFS: Share Price, Valuation & Which to Buy | DocStoX