The earnings call reflects a mixed sentiment with positive aspects such as healthy deposit growth, stable asset quality, and successful strategic initiatives like the HDB listing. However, these are balanced by challenges like slower advances growth, subdued fee income, and pressure on margins due to the current interest rate environment.

Company Guidance

During the HDFC Bank Q1 FY '26 earnings call, CEO Sashi Jagdishan provided insights into the bank's performance and future guidance. The bank reported a growth in average deposits at 16% year-on-year while average advances or assets under management grew by 8% in the June quarter. The credit deposit (CD) ratio was strategically brought down from 110% to 95%. Looking forward, the bank anticipates loan growth to align with system growth in FY '26 and exceed it in FY '27. The asset quality remains robust with retail GNPA at 82 basis points, and the bank continues to carry contingent provisions at 57 basis points of the loans portfolio. The interim dividend announced was INR 5 per share, accompanied by a recommended 1:1 bonus share issue. HDFC Bank's focus remains on customer centricity and leveraging technology, with expectations of improved margins as deposit costs adjust over time. The bank is also confident in the upcoming festive season to boost consumption demand, supported by a stable macroeconomic environment in India.

Steady Deposit Growth

The bank's average deposits grew at a healthy pace of 16% year-on-year, continuing to gain market share.

Improvement in Credit Deposit Ratio

The credit deposit ratio was brought down from 110% at the time of the merger to about 95%.

Asset Quality Remains Strong

Asset quality remains healthy, with gross NPA levels stable at 82 basis points in the retail segment, excluding agri.

Successful HDB Financial Services Listing

The bank carried out the HDB Financial Services listing process and diluted some stake, culminating in the stocks being listed.

Interim Dividend and Bonus Share Issue

The Board announced an interim dividend of INR 5 per share and recommended the first-ever bonus share issue in a ratio of 1:1.

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

Daily Earnings Calendar >

HDB Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 20, 2025	2026 (Q2)	0.84 / -	0.916	―	―	―
Jul 19, 2025	2026 (Q1)	0.93 / 0.96	0.886	8.47% (+0.07)
Apr 19, 2025	2025 (Q4)	0.92 / 0.93	0.909	2.64% (+0.02)
Jan 22, 2025	2025 (Q3)	0.90 / 0.90	0.91	-1.10% (-0.01)
Oct 19, 2024	2025 (Q2)	0.89 / 0.92	0.885	3.50% (+0.03)
Jul 20, 2024	2025 (Q1)	0.88 / 0.89	0.884	0.23% (<+0.01)
Apr 20, 2024	2024 (Q4)	1.08 / 0.91	0.922	-1.41% (-0.01)
Jan 16, 2024	2024 (Q3)	0.87 / 0.91	0.94	-3.19% (-0.03)
Oct 16, 2023	2024 (Q2)	0.86 / 0.89	0.815	8.59% (+0.07)
Jul 17, 2023	2024 (Q1)	0.94 / 0.88	0.705	25.39% (+0.18)

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	$58.24	$60.04	+3.09%
Jan 16, 2024	$64.25	$59.94	-6.71%
Oct 16, 2023	$57.02	$57.81	+1.39%
Jul 17, 2023	$65.61	$68.51	+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 Limited (HDB) report earnings?

Hdfc Bank Limited (HDB) is schdueled to report earning on Oct 20, 2025, TBA (Confirmed).

What is Hdfc Bank Limited (HDB) earnings time?

Hdfc Bank Limited (HDB) earnings time is at Oct 20, 2025, 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 (Q2) is 0.84.

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