Education
About Us
Working with TipRanks
Follow Us
Hdfc Bank (HDB)
NYSE:HDB
Earnings Data
Report Date
Apr 20, 2026TBA (Confirmed)
Period Ending
2026 (Q4)Consensus EPS Forecast
0.39Last Year’s EPS
0.4Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
Overall the call conveys a cautiously optimistic tone: multiple operational strengths (encouraging credit growth, positive CASA momentum, lower cost of funds, healthy liquidity with LCR at 116%, strong branch productivity and improving consumer spends) and management confidence in meeting medium-term glide-path targets. Key challenges include an ongoing need to accelerate deposit growth to reduce LDR, a stalled margin recovery post-merger, regulatory/actuarial uncertainties around the labor code and agri compliance, and some competitive pricing pressures in retail products. On balance, the positive indicators and management confidence appear to outweigh the headwinds, although several uncertainties remain that could affect near-term profitability and LDR progress.Company Guidance
Encouraging Credit Growth and Balanced Mix
Management described credit growth buildup as "extremely encouraging" with a balanced mix across customer segments; the bank expects to grow above system next year (system growth guidance ~12%–13%, bank targeting a couple of hundred basis points above that).
CRR Release Aided Deployment
The CRR release enabled credit deployment slightly ahead of expectations, providing an additional catalyst to lending activity during the quarter.
Funding Discipline, CASA Momentum and Cost of Funds Reduction
Management maintained rate discipline on deposits; CASA growth was positive. Cost of funds fell by ~10–11 basis points quarter-on-quarter, providing margin tailwinds.
Strong Liquidity Buffer — LCR at 116%
Liquidity position remains healthy with reported LCR of 116% for the quarter; management does not expect material impact from upcoming April 2026 guidelines.
Branch Productivity and Distribution Scale
Per-branch productivity at an aggregate level is ~INR 305 crore. New distribution (roughly 4,800 branches over prior years) contributes slightly north of 20% of incremental deposits. Recently reported 9,600+ branches (~6% of country branches) and 100 million customers; added ~1.5 million new liability relationships in the quarter.
Card Spend and Consumer Demand
Overall card spend grew ~15% year-on-year (3.4% sequentially). Discretionary card spend rose ~21% YoY and nondiscretionary ~13% YoY, indicating improving consumer activity and discretionary demand.
Asset Quality Remains Strong
Management highlighted low accretion to GNPA and decadal lows in industry net NPA metrics. Slippages ex-agri were ~24 basis points for the quarter; recoveries and write-off dynamics keep net impairment metrics moderate (net credit cost cited around ~37 bps when adjusted for recoveries).
Provisioning for Agri Compliance Recognized
A one-time regulatory-related agri provisioning of ~INR 5 billion was taken in December and already absorbed in results, demonstrating proactive regulatory compliance coverage.
HDB Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
HDB Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jan 22, 2025 | $29.13 | $30.03 | +3.09% |
Jan 16, 2024 | $32.14 | $29.98 | -6.71% |
Oct 16, 2023 | $28.52 | $28.92 | +1.39% |
Jul 17, 2023 | $32.82 | $34.27 | +4.42% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Hdfc Bank (HDB) report earnings?
Hdfc Bank (HDB) is schdueled to report earning on Apr 20, 2026, TBA (Confirmed).
What is Hdfc Bank (HDB) earnings time?
Hdfc Bank (HDB) earnings time is at Apr 20, 2026, TBA (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is HDB EPS forecast?
HDB EPS forecast for the fiscal quarter 2026 (Q4) is 0.39.