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Hdfc Bank (HDB)
:HDB
US Market
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Hdfc Bank (HDB) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date
Jan 12, 2026
TBA (Confirmed)
Period Ending
2026 (Q3)
Consensus EPS Forecast
0.39
Last Year’s EPS
0.39
Same Quarter Last Year
Moderate Buy
Based on 1 Analysts Ratings

Earnings Call Summary

Q2 2026
Earnings Call Date:Oct 18, 2025|
% Change Since:
|
Earnings Call Sentiment|Positive
The earnings call depicted a positive outlook with strong loan growth and improvements in asset quality, supported by strategic investments in technology and distribution. However, there were challenges in maintaining deposit market share and margin compression. The overall sentiment is positive due to the bank's strategic initiatives and positive economic conditions.
Company Guidance
In the HDFC Bank Limited Q2 FY '26 earnings call, guidance was provided on several key metrics and strategic directions. The bank reported a compression in Net Interest Margin (NIM) by about 8 basis points due to front-loaded interest rate cuts, but anticipates a tailwind effect from deposit repricing over the next 6 to 12 months. The bank maintained a stable Return on Assets (ROA) within the range of 1.85% to 1.95% and highlighted strong asset quality with a non-performing asset (NPA) ratio improving by approximately 10 basis points, partly due to one-off upgrades. The bank's loan growth accelerated across segments supported by economic activity, with continued market share gains in deposits driven by disciplined pricing. HDFC Bank also emphasized investments in distribution and technology, including new platforms like GenAI, to reengineer processes and enhance customer experience. Despite a slight decrease in cost of funds, the bank remains focused on managing expenses tightly and achieving operating leverage in the medium to long term. The strategic objectives include bringing the Loan-to-Deposit Ratio (LDR) below 90% by growing loans in line with the market and increasing growth beyond the market in FY '27. The earnings call also covered the bank's capital position, contingent provisions, and the impact of external factors such as regulatory changes on risk-weighted assets and expected credit loss (ECL) provisions.
Loan Growth Acceleration
The bank saw growth pick up across segments, with a focus on accelerating loan growth due to improvements in economic activity. The bank aims to grow in line with the system and faster than the market by FY '27.
Strong Deposit Growth
Average deposit growth was 15% year-on-year, with a strategic focus on maintaining a disciplined pricing approach. Retail deposits contributed to 83% of the total deposits.
Improvement in Asset Quality
The bank experienced strong recoveries and upgrades in non-performing assets (NPA), contributing to a 10 basis point improvement in asset quality.
Technology Investments
The bank continues to invest in technology and distribution to create operating leverage over the medium to long term, focusing on stability, scalability, and security.
Positive Economic Outlook
The domestic economy is strengthening with low food inflation and strong rainfall, providing a positive environment for future growth.
Growth in Home Loans
The bank is focusing on home loans with improved turnaround times and increased distribution, indicating a strategic focus on this long-term relationship product.

Hdfc Bank (HDB) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

HDB Earnings History

Report Date
Fiscal Quarter
Forecast / EPS
Last Year's EPS
EPS YoY Change
Press Release
Slides
Play Transcript
Jan 12, 2026
2026 (Q3)
0.39 / -
0.386
Oct 18, 2025
2026 (Q2)
0.38 / 0.41
0.3935.09% (+0.02)
Jul 19, 2025
2026 (Q1)
0.40 / 0.41
0.386.84% (+0.03)
Apr 19, 2025
2025 (Q4)
0.39 / 0.40
0.3892.83% (+0.01)
Jan 22, 2025
2025 (Q3)
0.39 / 0.39
0.39-1.03% (>-0.01)
Oct 19, 2024
2025 (Q2)
0.38 / 0.39
0.3793.69% (+0.01)
Jul 20, 2024
2025 (Q1)
0.38 / 0.38
0.3790.26% (<+0.01)
Apr 20, 2024
2024 (Q4)
0.46 / 0.39
0.395-1.52% (>-0.01)
Jan 16, 2024
2024 (Q3)
0.37 / 0.39
0.403-3.23% (-0.01)
Oct 16, 2023
2024 (Q2)
0.37 / 0.38
0.3498.60% (+0.03)
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$29.98-6.72%
Oct 16, 2023
$28.52$28.92+1.40%
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 Jan 12, 2026, TBA (Confirmed).
    What is Hdfc Bank (HDB) earnings time?
    Hdfc Bank (HDB) earnings time is at Jan 12, 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 (Q3) is 0.39.
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