{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "f854c28f-d037-409c-bbb5-b9a700cf1b47",
    "symbol": "HDB",
    "name": "HDFC Bank Limited ADR",
    "exchange": "NYSE",
    "country_code": "US",
    "country_name": "United States",
    "sector": "Financial Services",
    "industry": "Banks - Regional",
    "chart_url": "https://sharemaestro.com/terminal/f854c28f-d037-409c-bbb5-b9a700cf1b47/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "f854c28f-d037-409c-bbb5-b9a700cf1b47",
      "symbol": "HDB",
      "name": "HDFC Bank Limited ADR",
      "exchange": "NYSE",
      "country_code": "US",
      "country_name": "United States",
      "sector": "Financial Services",
      "industry": "Banks - Regional",
      "chart_url": "https://sharemaestro.com/terminal/f854c28f-d037-409c-bbb5-b9a700cf1b47/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "HDB",
    "market_cap": 124042256384.0,
    "market_cap_usd": 120152149532.83,
    "price": 24.17,
    "currency": "USD",
    "dividend_yield": 0.0176,
    "dividend_years": 23,
    "dividend_growth_5y": 0.13529746,
    "dividend_cut_5y": true,
    "payout_ratio": 0.2155,
    "net_income": 673508300000.0,
    "free_cash_flow": 1129220100000.0,
    "fcf_covers_dividend": true,
    "debt_to_equity": 0.95430634,
    "revenue_growth_5y": 0.27803962,
    "net_margin": 0.26834,
    "roe": 0.13818,
    "pe_ratio": 17.021128,
    "price_vs_ma": -0.19339229,
    "return_3y": -0.27172053,
    "return_5y": -0.30521246,
    "max_drawdown": -0.39302434,
    "scores": {
      "dividend_reliability": 16.5,
      "dividend_sustainability": 20.0,
      "business_quality": 24.0,
      "valuation": 15.0,
      "trend": 1.5,
      "total": 77.0,
      "confidence": 100.0
    },
    "rating": "high_quality",
    "rating_label": "High Quality Watchlist Candidate",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Price currency USD differs from financial currency INR.",
      "Dividend cut or material annual decrease detected in the last five completed years."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/f854c28f-d037-409c-bbb5-b9a700cf1b47/",
      "chart": "https://sharemaestro.com/terminal/f854c28f-d037-409c-bbb5-b9a700cf1b47/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 16.5,
    "dividend_sustainability": 20.0,
    "business_quality": 24.0,
    "valuation": 15.0,
    "trend": 1.5,
    "total": 77.0,
    "confidence": 100.0
  },
  "warnings": [
    "Price currency USD differs from financial currency INR.",
    "Dividend cut or material annual decrease detected in the last five completed years."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "HDB",
      "exchange": "NYSE",
      "headline": "HDB dividend review warning",
      "detail": "Dividend cut or material annual decrease detected in the last five completed years.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f854c28f-d037-409c-bbb5-b9a700cf1b47/"
    },
    {
      "event_date": "2025-08-11",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "HDB",
      "exchange": "NYSE",
      "headline": "Dividend increased 331.6%",
      "detail": "Payment changed from 0.087 to 0.3755.",
      "amount": 0.3755,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f854c28f-d037-409c-bbb5-b9a700cf1b47/"
    },
    {
      "event_date": "2025-08-11",
      "event_type": "payment",
      "severity": "info",
      "ticker": "HDB",
      "exchange": "NYSE",
      "headline": "HDB dividend payment 0.3755 USD",
      "detail": "Recorded dividend payment for HDFC Bank Limited ADR.",
      "amount": 0.3755,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f854c28f-d037-409c-bbb5-b9a700cf1b47/"
    },
    {
      "event_date": "2025-07-31",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "HDB",
      "exchange": "NYSE",
      "headline": "Dividend cut -75.0%",
      "detail": "Payment changed from 0.348 to 0.087.",
      "amount": 0.087,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f854c28f-d037-409c-bbb5-b9a700cf1b47/"
    },
    {
      "event_date": "2025-07-31",
      "event_type": "payment",
      "severity": "info",
      "ticker": "HDB",
      "exchange": "NYSE",
      "headline": "HDB dividend payment 0.087 USD",
      "detail": "Recorded dividend payment for HDFC Bank Limited ADR.",
      "amount": 0.087,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f854c28f-d037-409c-bbb5-b9a700cf1b47/"
    },
    {
      "event_date": "2024-08-12",
      "event_type": "payment",
      "severity": "info",
      "ticker": "HDB",
      "exchange": "NYSE",
      "headline": "HDB dividend payment 0.348 USD",
      "detail": "Recorded dividend payment for HDFC Bank Limited ADR.",
      "amount": 0.348,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f854c28f-d037-409c-bbb5-b9a700cf1b47/"
    },
    {
      "event_date": "2023-08-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "HDB",
      "exchange": "NYSE",
      "headline": "HDB dividend payment 0.342 USD",
      "detail": "Recorded dividend payment for HDFC Bank Limited ADR.",
      "amount": 0.342,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f854c28f-d037-409c-bbb5-b9a700cf1b47/"
    },
    {
      "event_date": "2023-05-12",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "HDB",
      "exchange": "NYSE",
      "headline": "Dividend increased 20.2%",
      "detail": "Payment changed from 0.29 to 0.3485.",
      "amount": 0.3485,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f854c28f-d037-409c-bbb5-b9a700cf1b47/"
    },
    {
      "event_date": "2023-05-12",
      "event_type": "payment",
      "severity": "info",
      "ticker": "HDB",
      "exchange": "NYSE",
      "headline": "HDB dividend payment 0.3485 USD",
      "detail": "Recorded dividend payment for HDFC Bank Limited ADR.",
      "amount": 0.3485,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f854c28f-d037-409c-bbb5-b9a700cf1b47/"
    },
    {
      "event_date": "2022-07-19",
      "event_type": "payment",
      "severity": "info",
      "ticker": "HDB",
      "exchange": "NYSE",
      "headline": "HDB dividend payment 0.29 USD",
      "detail": "Recorded dividend payment for HDFC Bank Limited ADR.",
      "amount": 0.29,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f854c28f-d037-409c-bbb5-b9a700cf1b47/"
    },
    {
      "event_date": "2022-05-11",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "HDB",
      "exchange": "NYSE",
      "headline": "Dividend increased 132.1%",
      "detail": "Payment changed from 0.131 to 0.304.",
      "amount": 0.304,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f854c28f-d037-409c-bbb5-b9a700cf1b47/"
    },
    {
      "event_date": "2022-05-11",
      "event_type": "payment",
      "severity": "info",
      "ticker": "HDB",
      "exchange": "NYSE",
      "headline": "HDB dividend payment 0.304 USD",
      "detail": "Recorded dividend payment for HDFC Bank Limited ADR.",
      "amount": 0.304,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f854c28f-d037-409c-bbb5-b9a700cf1b47/"
    },
    {
      "event_date": "2021-07-20",
      "event_type": "payment",
      "severity": "info",
      "ticker": "HDB",
      "exchange": "NYSE",
      "headline": "HDB dividend payment 0.131 USD",
      "detail": "Recorded dividend payment for HDFC Bank Limited ADR.",
      "amount": 0.131,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f854c28f-d037-409c-bbb5-b9a700cf1b47/"
    },
    {
      "event_date": "2021-06-28",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "HDB",
      "exchange": "NYSE",
      "headline": "Dividend increased 141.3%",
      "detail": "Payment changed from 0.0545 to 0.1315.",
      "amount": 0.1315,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f854c28f-d037-409c-bbb5-b9a700cf1b47/"
    },
    {
      "event_date": "2021-06-28",
      "event_type": "payment",
      "severity": "info",
      "ticker": "HDB",
      "exchange": "NYSE",
      "headline": "HDB dividend payment 0.1315 USD",
      "detail": "Recorded dividend payment for HDFC Bank Limited ADR.",
      "amount": 0.1315,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f854c28f-d037-409c-bbb5-b9a700cf1b47/"
    },
    {
      "event_date": "2019-07-31",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "HDB",
      "exchange": "NYSE",
      "headline": "Dividend cut -66.3%",
      "detail": "Payment changed from 0.1615 to 0.0545.",
      "amount": 0.0545,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f854c28f-d037-409c-bbb5-b9a700cf1b47/"
    },
    {
      "event_date": "2019-07-31",
      "event_type": "payment",
      "severity": "info",
      "ticker": "HDB",
      "exchange": "NYSE",
      "headline": "HDB dividend payment 0.0545 USD",
      "detail": "Recorded dividend payment for HDFC Bank Limited ADR.",
      "amount": 0.0545,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f854c28f-d037-409c-bbb5-b9a700cf1b47/"
    },
    {
      "event_date": "2019-06-19",
      "event_type": "payment",
      "severity": "info",
      "ticker": "HDB",
      "exchange": "NYSE",
      "headline": "HDB dividend payment 0.1615 USD",
      "detail": "Recorded dividend payment for HDFC Bank Limited ADR.",
      "amount": 0.1615,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f854c28f-d037-409c-bbb5-b9a700cf1b47/"
    },
    {
      "event_date": "2018-06-01",
      "event_type": "payment",
      "severity": "info",
      "ticker": "HDB",
      "exchange": "NYSE",
      "headline": "HDB dividend payment 0.1432 USD",
      "detail": "Recorded dividend payment for HDFC Bank Limited ADR.",
      "amount": 0.14325,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/f854c28f-d037-409c-bbb5-b9a700cf1b47/"
    }
  ]
}