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HDFC Bank Limited (IN:HDFCBANK)
:HDFCBANK
India Market
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HDFC Bank Limited (HDFCBANK) 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
11.51
Last Year’s EPS
10.95
Same Quarter Last Year
Based on 5 Analysts Ratings

Earnings Call Summary

Q2 2026
Earnings Call Date:Oct 18, 2025|
% Change Since:
|
Earnings Call Sentiment|Neutral
HDFC Bank showed strong loan growth and maintained healthy asset quality while continuing to invest in technology and distribution. However, there were challenges with NIM compression, competitive pressures in the home loan market, and limited growth in credit card receivables.
Company Guidance
During the HDFC Bank Limited Q2 FY '26 Earnings Conference Call held on October 18, 2025, the bank provided several key metrics and guidance. The bank experienced a compression in Net Interest Margin (NIM) by about 8 basis points due to the front loading of interest rate cuts, but anticipates tailwind effects as deposit repricing occurs over the next 6 to 12 months. Loan growth has accelerated, with market share gains in deposits, and the bank is managing expenses within a tight band. Investments in technology and distribution are expected to create operating leverage in the medium to long term. The bank's asset quality remains robust, with contingent provisions increased by INR 1,600 crores. The bank's metrics, including NIMs, cost to earnings, and return on assets, remain range-bound with a positive outlook. Additionally, the cost of funds decreased by approximately 18 to 19 basis points, with further declines expected as time deposit repricing fully flows through. The bank remains focused on maintaining a strong capital position while anticipating opportunities for growth.
Strong Loan Growth
The improvements in the economic activity have given HDFC Bank the opportunity to accelerate loan growth. Growth has picked up across segments, with continued market share gains in deposits.
Healthy Asset Quality
HDFC Bank maintains a very healthy asset quality with no significant issues in early indicators. The bank's metrics such as NIMs, cost to earnings, and return on assets have been stable with a positive bias.
Successful Home Loan Strategy
The home loan segment has seen improvements in process and target market, with reduced turnaround times and increased cross-selling of products. The bank has achieved a 98-99% penetration of savings accounts with home loans.
Technology and Distribution Investment
The bank continues to invest in technology and distribution to create operating leverage in the long term. This includes investments in core platforms, middlewares, and new age experiments like GenAI.

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

IN:HDFCBANK 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)
11.51 / -
10.95
Oct 18, 2025
2026 (Q2)
11.29 / 12.10
1110.00% (+1.10)
Jul 19, 2025
2026 (Q1)
11.37 / 11.85
10.63811.39% (+1.21)
Apr 19, 2025
2025 (Q4)
11.25 / 11.50
10.855.99% (+0.65)
Jan 22, 2025
2025 (Q3)
11.08 / 10.95
10.81.39% (+0.15)
Oct 19, 2024
2025 (Q2)
10.65 / 11.00
10.514.66% (+0.49)
Jul 20, 2024
2025 (Q1)
10.52 / 10.64
10.51.31% (+0.14)
Apr 20, 2024
2024 (Q4)
12.81 / 10.85
10.80.46% (+0.05)
Jan 16, 2024
2024 (Q3)
10.32 / 10.80
11-1.82% (-0.20)
Oct 16, 2023
2024 (Q2)
10.19 / 10.51
9.5210.40% (+0.99)
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
₹809.93₹821.43+1.42%
Jan 16, 2024
₹813.68₹817.13+0.42%
Oct 16, 2023
₹747.92₹744.40-0.47%
Jul 17, 2023
₹800.71₹817.25+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 Jan 12, 2026, TBA (Confirmed).
    What is HDFC Bank Limited (IN:HDFCBANK) earnings time?
    HDFC Bank Limited (IN:HDFCBANK) 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 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 (Q3) is 11.51.
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