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Hdfc Bank Limited (HDB)
NYSE:HDB
Earnings Data
Report Date
Apr 21, 2025TBA Not Confirmed
Period Ending
2025 (Q4)Consensus EPS Forecast
0.77Last Year’s EPS
0.78Same Quarter Last Year
Moderate Buy
Based on 1 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Jan 22, 2025
|% Change Since: 1.22%
|Next Earnings Date:Apr 21, 2025
Earnings Call Sentiment|Neutral
The earnings call presented a mixed performance. While the bank showed strong deposit growth and stable credit metrics, it faced significant macroeconomic challenges and pressures on margins and credit costs. The bank is strategically managing liquidity and costs, but external conditions and declining CASA ratios are constraints.Company Guidance
During the HDFC Bank Q3 FY'25 earnings call, several key metrics and guidance were discussed. The bank reported a robust average deposit growth of about 15%, significantly outpacing its loan growth, which saw an 8% year-on-year increase in AUM advances. Despite a challenging macroeconomic environment marked by tight liquidity, the bank has maintained stable net interest margins (NIMs) and a cost growth of just 7% year-on-year, reflecting continued productivity gains. The bank's credit to deposit (CD) ratio has been a focal point, with ongoing efforts to normalize it, supported by a liquidity position that remained nearly neutral in Q3, with occasional peaks of negative INR 2 trillion to INR 2.5 trillion. The priority sector lending (PSL) targets were met at an aggregate level, though there is a minor shortfall in certain subcategories like smaller margin farmers. The bank's provisioning coverage ratio (PCR) stood at 68% overall but was higher at 71% excluding seasonal agricultural slippages. Additionally, the bank highlighted its strategic focus on maintaining a balanced growth trajectory with sufficient capital to capture market share as the macroeconomic environment stabilizes.Strong Deposit Growth
The bank reported a robust deposit growth of about 15%, outpacing loan growth and gaining market share despite challenging macro conditions.
Stable Credit Metrics
Credit parameters like slippages and gross NPA remained resilient and stable, demonstrating the institution's strength.
Strategic Liquidity Management
The bank maintained a near-neutral liquidity position in Q3 with plans to optimize borrowing costs by extinguishing INR 44 billion in bonds.
Continued Branch Expansion
Added over 1,000 new branches year-on-year, maintaining a tight control on costs with a 7% year-on-year growth in costs.
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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
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HDB Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
| Jan 22, 2025 | $58.86 | $60.68 | +3.09% |
| Jan 16, 2024 | $64.94 | $60.58 | -6.71% |
| Oct 16, 2023 | $57.63 | $58.43 | +1.39% |
| Jul 17, 2023 | $66.31 | $69.24 | +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.
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FAQ
When does Hdfc Bank Limited (HDB) report earnings?
Hdfc Bank Limited (HDB) is schdueled to report earning on Apr 21, 2025, TBA Not Confirmed.
What is Hdfc Bank Limited (HDB) earnings time?
Hdfc Bank Limited (HDB) earnings time is at Apr 21, 2025, TBA Not 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 2025 (Q4) is 0.77.
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