The Deen's ListTM
A service of Deen Capital Management, Inc. (www.deencapital.com)
Vol.5 #8 Tuesday, January 16, 2007 10:12AM ET

Please read carefully our disclaimers at the end of this newsletter.

Market Stance: BULLISH (since January 11, 2007)

  Contents

Year-To-Date Performance
Bought Hdfc Bank (HDB)
Open Positions
Subscription Information
Privacy Policy
Disclaimers
Contact Us

  Year-To-Date Performance

Year-To-Date as of January 12, 2007

Deen Capital+0.9%*
S&P 500+0.9%

* An average of managed accounts, net after commissions and fees. Individual account results may vary. See also www.deencapital.com/perform.htm. For information on managed accounts, see www.deencapital.com/mgdaccts.htm.

  Bought Hdfc Bank (HDB)

Net buy price in managed accounts* $79.83
Most recent close (Jan 12) $77.97
Net change (based on net buy price) +$1.86
Today's volume as of 9:52am ET 52,900 ($4.2 million)
Average daily volume 200,400 ($16.0 million)
This year's earnings-per-share $2.46 (est)
Next year's earnings-per-share $3.20 (est)
P/E using next year's earnings 24.9 (est)
Earnings growth rate, next 5 years 30.0% per year (est)
Web site http://www.hdfcbank.com

* The "Net buy price" is the total net purchase cost after commissions for all managed accounts divided by the total number of shares.

Today, Tuesday, January 16, 2007, I bought HDB, first for client accounts, then for my personal accounts. HDFC Bank Ltd. is a financial institution based in India. They have a network of 535 branches in 228 Indian cities. They are India's third-largest lender by market value.

This stock is a component of the IBD 100 Index. ("IBD" = "Investor's Business Daily")

Here's why I bought this stock:

+ News: Last Thursday, Jan 11, before the open, the company announced results for the quarter ended Dec 31. Earnings came in at 63c per diluted share (vs 45c last year). Revenue was up 48% to $484.1 million.

+ A "true surprise"*: Prior to the news, the stock was trading near an 8-week low. Then, on Friday, the stock soared 7% on more than twice average daily volume.

* "True surprise" is my term to describe a company news item that ignites heavy buying and that was not preceded by a short-term run-up in the stock price (i.e. not preceded by rumor).

+ Breakout: The price movement on Friday was a breakout from a 8-week trading range.

+ Excellent recent revenue growth. Here are the quarterly year-to-year revenue growth rates from the last four quarters, in chronological order: +52%, +52%, +52%, and, most recently, as cited above, +48%.

+ Excellent recent earnings-per-share growth. Here are the quarterly EPS figures for the last eight quarters:

Mar 06 vs Mar 05: 53c vs 43c
Jun 06 vs Jun 05: 49c vs 39c
Sep 06 vs Sep 05: 54c vs 41c
Dec 06 vs Dec 05: 63c vs 45c

+ Rising earnings-per-share estimates: According to recent data from First Call, the consensus earnings estimate for FY 07 (Mar) is $2.46, revised upward from $2.37 90 days ago (and up from FY 06 actual earnings of $1.78); and the consensus estimate for FY 08 is $3.20, revised upward from $3.06 90 days ago.

+ Valuation: At 25 times next year's estimated earnings and a projected 5-year annualized earnings growth rate of 30%, the stock is attractively priced.

Earning surprise history data was not available.

+ The company's industry group ("Banks - Foreign") is ranked #28 for relative strength out of 197 industry groups tracked by Investor's Business Daily. This ranking changes daily, and it has been generally rising over recent weeks and months.

+ The stock's 200-day moving average is rising, indicating a long-term uptrend.

-KD, January 16, 2007

  Open Positions

Company Name Stock
Symbol
Buy
Date
NetBuy
Price*
Current
Price**
Weeks
Held
Gain
(Loss)
Hdfc BankHDB01/16/07$79.83$79.160.0-0.8%
Qiagen NVQGEN01/12/07$16.44$16.530.6+0.5%
Apple, Inc.AAPL01/11/07$95.80$96.480.7+0.7%
Vasco Data SecurityVDSI01/05/07$13.35$15.531.6+16.3%
Gorman Rupp Co.GRC01/03/07$37.33$41.001.9+9.8%
ON SemiconductorONNN12/20/06$7.57$8.323.9+9.9%
SimpleTech Inc.STEC12/04/06$10.30$12.116.1+17.6%
DSW Inc.DSW11/30/06$38.12$39.686.7+4.1%
Cisco Sys Inc.CSCO11/15/06$26.62$28.488.9+7.0%

* Net buy prices shown are the total net purchase cost after commissions for all managed accounts divided by the total number of shares.

** Current prices are at least 20 minutes old.

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  Disclaimers

All stocks discussed in The Deen's ListTM involve a high degree of risk. It should not be assumed that any stock discussed in The Deen's ListTM or purchased by Deen Capital Management, Inc. will be profitable.

Past performance is not necessarily indicative of future results.

The information contained herein has been compiled from sources deemed to be reliable; however, we are not responsible for its accuracy or completeness.

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