The earnings call reflects a cautiously optimistic outlook with strong deposit growth and strategic initiatives like the HDB Financial Services listing and bonus share issue. However, challenges such as slower loan growth, margin pressures due to rate changes, and subdued fee income highlight the bank's balanced performance amid a challenging macroeconomic environment.

Company Guidance -

Q2 2026

During the HDFC Bank Q1 FY '26 earnings call, the bank provided guidance indicating a continued focus on growth and strategic objectives. The bank has achieved a year-on-year deposit growth of 16% while moderating its advances growth to 7% to bring down the credit deposit (CD) ratio from 110% to 95%. The bank expects loan growth to align with the system growth rate in FY '26 and surpass it in FY '27. Asset quality remains strong, with retail gross non-performing assets (GNPA) excluding agriculture steady at 82 basis points. The bank has made contingent provisions of INR 1,700 crores, raising its contingent provision to 57 basis points of loans. The cost-to-income ratio is expected to improve over the year, although quarterly fluctuations may occur due to various factors. The bank also announced an interim dividend of INR 5 per share and a 1:1 bonus share issue. Overall, HDFC Bank is poised to leverage its strong foundation, customer centricity, and technology investments to drive sustainable growth.

Healthy Deposit Growth

The bank has grown average deposits at a healthy pace of 16% year-on-year and continues to gain market share.

Improved Credit-Deposit Ratio

The credit-deposit (CD) ratio improved from 110% at the time of the merger to about 95% currently.

HDB Financial Services Listing

Successfully carried out the HDB Financial Services listing process, with the bank diluting some stake.

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 1:1 ratio.

Strong Customer Base Penetration Opportunity

The bank has a significant opportunity to penetrate its existing customer base with more products, particularly in cards which have the highest penetration.

HDFC Bank Limited (IN:HDFCBANK) 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 >

IN:HDFCBANK Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 20, 2025	2026 (Q2)	22.57 / -	22	―	―	―
Jul 19, 2025	2026 (Q1)	22.74 / 23.70	21.275	11.40% (+2.43)	―	―
Apr 19, 2025	2025 (Q4)	22.50 / 23.00	21.7	5.99% (+1.30)	―	―
Jan 22, 2025	2025 (Q3)	22.16 / 21.90	21.6	1.39% (+0.30)	―	―
Oct 19, 2024	2025 (Q2)	21.30 / 22.00	21.02	4.66% (+0.98)	―	―
Jul 20, 2024	2025 (Q1)	21.04 / 21.27	21	1.31% (+0.27)	―	―
Apr 20, 2024	2024 (Q4)	25.62 / 21.70	21.6	0.46% (+0.10)	―	―
Jan 16, 2024	2024 (Q3)	20.65 / 21.60	22	-1.82% (-0.40)	―	―
Oct 16, 2023	2024 (Q2)	20.39 / 21.02	19.04	10.40% (+1.98)	―	―
Jul 17, 2023	2024 (Q1)	22.06 / 21.00	16.6	26.51% (+4.40)	―	―

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

IN:HDFCBANK Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jan 22, 2025	₹1623.90	₹1646.94	+1.42%
Jan 16, 2024	₹1631.40	₹1638.33	+0.42%
Oct 16, 2023	₹1499.57	₹1492.50	-0.47%
Jul 17, 2023	₹1605.40	₹1638.58	+2.07%

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 (IN:HDFCBANK) report earnings?

HDFC Bank Limited (IN:HDFCBANK) is schdueled to report earning on Oct 20, 2025, TBA (Confirmed).

What is HDFC Bank Limited (IN:HDFCBANK) earnings time?

HDFC Bank Limited (IN:HDFCBANK) 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 the P/E ratio of HDFC Bank Limited stock?

The P/E ratio of HDFC Bank Limited is N/A.

What is IN:HDFCBANK EPS forecast?

IN:HDFCBANK EPS forecast for the fiscal quarter 2026 (Q2) is 22.57.

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