HDFC Bank Limited (IN:HDFCBANK)
:HDFCBANK
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Earnings Data
Report Date
Jul 20, 2026TBA (Confirmed)
Period Ending
2027 (Q1)Consensus EPS Forecast
12.09Last Year’s EPS
11.85Same Quarter Last Year
Moderate Buy
Based on 2 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call emphasized multiple strategic strengths — accelerating loan and deposit growth, stable ROA (~1.9%), improved core cost-to-income, strong capital (19.7%), healthy asset quality (GNPA 1.15%) and meaningful digital/AI investments that are starting to deliver efficiency gains. These positives outweigh the near-term headwinds of NIM compression, modest treasury/FX revenue, a lag in third-party fee growth and an ongoing legal/regulatory overhang tied to governance and the Dubai-branch matter. Management reiterated focus on returns, quality of growth and liquidity metrics (LCR 110%–120% target), suggesting confidence in sustaining franchise strength while navigating macro and event-driven uncertainty.Company Guidance
Strong Loan Growth
Bank loan growth accelerated to 12% in FY26 (up from ~5.5% the prior year), outpacing the earlier internal estimate of 10.5%–11.5% and showing meaningful recovery in credit momentum.
Robust Deposit Expansion
Deposits grew 14.4% year-on-year in FY26; time deposits grew ~15.5% YoY. Incremental deposits mobilized ~INR 3.9 lakh crore for the full year with 47% of net accretion coming from balances <INR 3 crore (up from 31% prior year), reflecting higher granularity and sustainability.
Healthy Profit and EPS Growth
Net income grew ~11% year-on-year and EPS grew ~10% (versus 3% last year), while management emphasized consistent EPS growth as a key objective.
Stable Returns and Efficiency Improvement
Return on assets remained stable around ~1.9% (quarter ROA ~1.96%, FY ROA ~1.94%). Core cost-to-income improved from 40.5% to 39.5%, while cost-to-assets is ~1.9%, cited as best-in-class; operating leverage benefits expected from prior investments.
Strong Capital and Asset Quality
Capital position strong at 19.7% and asset quality healthy with gross NPAs at 1.15%. The bank has built a provisioning buffer of ~125 basis points to absorb future shocks.
Market Leadership and Distribution Scale
Customer base nearly doubled to 100 million; branch network nearly doubled to ~9,700. Market share leadership metrics include 21%–22% of credit card issuances, 26%–28% of card spends, ~35%–40% of capital markets account settlements, and significant share in trade flows (18%–20% exports, 13%–15% imports).
Successful Mortgage Integration and Cross-Sell Progress
Post-merger mortgage liabilities increased: CASA balances tied to the mortgage franchise grew from ~INR 50,000 crore to ~INR 86,000 crore; liability penetration of acquired home-loan customers rose from ~36% to ~50% of stock. ~98% of home-loan disbursements open a liability account; ~23% of home-loan customers hold active credit cards.
Digital and AI Investments Paying Off
Mobile app serves over 60 million registered users; digital adoption at 97% for payments/service and 92% for acquisition journeys. Bank built an in-house unified AI platform with 5 use cases in production and 14 in development, plus a lakehouse data architecture — positioning for efficiency gains and improved ROA.
Retail and SME Traction
Retail constitutes ~53%–54% of the balance sheet with stepped-up retail growth across wheels (auto), personal loans and mortgages. Business banking / MSME grew ~20% YoY and the bank is among the top 2 MSME banks nationally (#1 in 15 states, top 2 in 25 states).
Liquidity and Regulatory Metrics Managed
Liquidity Coverage Ratio (LCR) operating target 110%–120%; LCR around 114% (116% previous quarter). Management reiterated the loan-to-deposit ratio is not a binding constraint given continued deposit market share gains (~30–50 bps over 5 years).
IN:HDFCBANK 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
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 Jul 20, 2026, TBA (Confirmed).
What is HDFC Bank Limited (IN:HDFCBANK) earnings time?
HDFC Bank Limited (IN:HDFCBANK) earnings time is at Jul 20, 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 2027 (Q1) is 12.09.