S4 E8 : LIVE ANALYSIS : LETS ANALYZE TCS / RELIANCE / HDFC

🎯 Why This Episode?

Until now, you've learned about ratios, screeners, balance sheets, and more.

Now, let’s bring everything together with 3 real companies:

  1. TCS (Tech)

  2. Reliance (Energy, Retail, Telecom)

  3. HDFC Bank (Banking)

🧪 Step-by-Step Company Analysis

🔍 1. TCS – Tata Consultancy Services

🧾 a) Basic Info

- Sector: IT Services

- Market Cap: ₹14+ lakh crore

- Price: Around ₹3,900 (check current)

🧠 b) Key Ratios (from Screener.in)

  1. PE Ratio: ~30

  2. ROE: ~40% ✅ (very high)

  3. Debt: 0 ✅ (debt-free)

  4. Profit Growth (5Y): 10–12% ✅

  5. Promoter Holding: 72% ✅

🧠 Verdict:
TCS is a cash-rich, zero-debt tech giant. Stable growth. Excellent for long-term.

⛽ 2. Reliance Industries

🧾 a) Basic Info

- Sector: Energy + Retail + Jio

- Market Cap: ₹19+ lakh crore

- Price: ~₹2,900

🧠 b) Key Ratios

  1. PE Ratio: ~25

  2. ROE: ~8–10% (a bit low)

  3. Debt: Moderate

  4. Profit Growth (5Y): ~10–12%

  5. Promoter Holding: ~50% ✅

🧠 Verdict:
A diversified giant. Retail and Jio are future growth engines. Debt is reducing. Strong but keep an eye on debt and margins.

🏦 3. HDFC Bank

🧾 a) Basic Info

- Sector: Banking

- Market Cap: ₹11+ lakh crore

- Price: ~₹1,600

🧠 b) Key Ratios

  1. PE Ratio: ~18 ✅

  2. ROE: ~16–18% ✅

  3. Debt?: Not applicable (banks lend money)

  4. NPA: Low ✅ (safe lending)

  5. Promoter Holding: NA (widely held)

🧠 Verdict:
One of India’s safest private banks. Consistent profits. Good for long-term conservative investors.

📌 2. What We Just Did

We looked at:

  1. Basic Info (price, sector, market cap)

  2. Valuation (PE ratio)

  3. Profitability (ROE, profit growth)

  4. Debt (important for non-financial companies)

  5. Ownership (promoter holding)

  6. Overall Business Strength

You now have a framework to analyse ANY company — not based on hype, but real numbers.

🔔 Real-Life Bonus Tips

  1. Always read the latest quarterly results and news

  2. Watch for major announcements (mergers, new products)

  3. Keep an eye on global trends (especially for Reliance or TCS)

✅ Summary

  1. TCS: Tech giant, clean, high ROE ✅

  2. Reliance: Strong, diversified, but watch debt

  3. HDFC Bank: Safe, stable, trusted ✅