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HDFC Bank Limited (IN:HDFCBANK)
:HDFCBANK
Earnings Data
Report Date
Apr 21, 2025TBA Not Confirmed
Period Ending
2025 (Q4)Consensus EPS Forecast
22.2Last Year’s EPS
21.7Same Quarter Last Year
Strong Buy
Based on 9 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Jan 22, 2025
|% Change Since: 5.19%
|Next Earnings Date:Apr 21, 2025
Earnings Call Sentiment|Neutral
The earnings call reflects a mixed sentiment with notable achievements in deposit growth, stable credit parameters, and effective liquidity management. However, challenges persist due to a difficult macroeconomic environment, pressure on CASA ratios, increased credit costs at HDB Financial, and delayed synergy benefits from the merger. The bank remains cautiously optimistic about future growth opportunities.Company Guidance
During the HDFC Bank Limited Q3 FY 2025 earnings call, the bank highlighted several key metrics that underscore its performance amid challenging macroeconomic conditions. The bank reported an average deposit growth of 16%, surpassing loan growth, with an AUM advances growth of 8% year-on-year. Net interest margins (NIMs) remained stable despite tight liquidity conditions, while the cost-to-income ratio was tightly managed, reflecting a 7% year-on-year increase in cost growth. The bank expanded its distribution network by adding approximately 1,000 branches over the past year. Credit quality was resilient, with slippages and gross NPA levels stable, and a non-agricultural provision coverage ratio at 71%. The bank's liquidity was described as sufficient, with a peak negative liquidity of around INR 2 to 2.5 trillion. The management expressed confidence in capturing market share in loans as macroeconomic conditions improve, supported by strong capital and liquidity positions.Strong Deposit Growth
HDFC Bank reported a robust growth in average deposits at about 16% year-on-year, outpacing loan growth and gaining market share despite a challenging macro environment.
Stable Credit Parameters
The bank maintained stability in credit parameters with gross NPA and credit costs being resilient and stable. PCR excluding agri loans stood at 71%.
Branch Network Expansion
Over a year-on-year period, HDFC Bank added about 1,000 branches, maintaining a tight control on cost growth which increased by only 7% year-on-year.
Effective Liquidity Management
The bank maintained sufficient liquidity with investments in various instruments earning between 6.5% to 7% and managed borrowing costs effectively at around 8%.
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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
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IN:HDFCBANK Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
| Jan 22, 2025 | ₹1641.75 | ₹1665.05 | +1.42% |
| Jan 16, 2024 | ₹1649.34 | ₹1656.34 | +0.42% |
| Oct 16, 2023 | ₹1516.06 | ₹1508.91 | -0.47% |
| Jul 17, 2023 | ₹1623.05 | ₹1656.59 | +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.
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FAQ
When does HDFC Bank Limited (IN:HDFCBANK) report earnings?
HDFC Bank Limited (IN:HDFCBANK) is schdueled to report earning on Apr 21, 2025, TBA Not Confirmed.
What is HDFC Bank Limited (IN:HDFCBANK) earnings time?
HDFC Bank Limited (IN:HDFCBANK) 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 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 2025 (Q4) is 22.2.
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