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Hdfc Bank (HDB) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date

Jul 18, 2026

TBA (Confirmed)

Period Ending

2027 (Q1)

Consensus EPS Forecast

0.39

Last Year’s EPS

0.41

Same Quarter Last Year

Analyst Consensus

―

Based on 0 Analysts Ratings

Earnings Call Summary

Q4 2026

Earnings Call Date:Apr 18, 2026|

% Change Since:

Earnings Call Sentiment|Positive

The call highlights solid franchise recovery and structural strengths: double-digit loan growth (12%), strong deposit mobilization (14.4%), stable ROA (~1.9%), improved operating efficiency, healthy capital (19.7%) and significant digital/AI investments that position the bank for operating leverage. Headwinds include margin pressure from faster asset yield transmission versus deposit repricing, weaker investment yields and modest treasury/third-party fee growth, plus near-term legal and geopolitical uncertainties. Overall, the positives around growth, asset quality, capital and technology investments outweigh the transitory and cyclical challenges discussed.

Company Guidance

Management's guidance was for responsible, quality-led growth rather than aggressive volume chase: they reiterated a desire to grow at or above system levels (they had earlier penciled system credit growth at 10.5–11.5% and delivered 12% in FY26 versus system ~13.5–13.9% at Mar‑31), while prioritizing return on assets (ROA ~1.9% in FY26, with a goal to improve it via operating and AI-led efficiencies over the next 1–3 years) and consistent EPS growth (EPS +10% in FY26). Key operating/portfolio guardrails they will maintain include a strong capital buffer (CET1/total capital ~19.7%), LCR targeting ~110–120% (114% in Q4, 116% prior quarter), continued deposit franchise gains (deposit growth 14.4% in FY26, INR 3.9 lakh crore mobilised in the year and INR 2.45 lakh crore in Q4, with 47% of incremental time deposits <INR 3 crore), sustaining low asset stress (gross NPA ~1.15% with ~125 bps provisioning buffer), managing cost efficiency (core cost‑to‑income down to 39.5%), expanding customer and distribution scale (100 million customers, adding 6–8 million/year, ~9,700 branches, 60 million mobile app users), and targeting continued retail and corporate franchise traction (retail ~53–54% of book, corporate loans +13% in FY26, SME/business banking ~+20% yoy).

Strong Credit and Deposit Growth

Loans grew 12% in FY26 (up from 5.5% in FY25) while deposits grew 14.4%, keeping deposit growth ahead of credit growth and above system levels.

Profitability and EPS Expansion

Net income grew 11% year-on-year and EPS grew 10% (vs 3% last year); return on assets remained stable around 1.9% (FY26 ~1.94%–1.96% range).

Improving Operating Efficiency

Core cost-to-income improved from 40.5% to 39.5%; operating expense growth was modest (~6.5%–7% full-year) and cost-to-assets around 1.9%, cited as best-in-class.

Strong Capital and Asset Quality

Capital position robust at 19.7%; gross NPAs remain low at 1.15%; bank has a provisioning buffer of ~125 basis points to absorb shocks.

Deposit Granularity and Stable Liquidity Metrics

Focus on granular deposits: net incremental time deposits < INR 3 crore rose to 47% of net accretion (vs 31% prior year); LCR targeted to be operated in 110%–120% band and was ~114% at quarter end.

Distribution, Customer and Digital Scale

Customer base reached ~100 million; distribution nearly doubled to ~9,700 branches; mobile app has 60 million registered users; digital adoption ~97% for payments/services and ~92% for acquisition journeys.

Technology and AI Investments

Tech investments more than quadrupled to around $1 billion over recent years; launched new internet/mobile/payment platforms at population scale; built in-house unified AI platform with 5 use cases in production and 14 in development to drive automation and efficiency.

Retail & SME Momentum and Cross-Sell

Retail share ~53%–54% of balance sheet with sequential retail disbursal recovery; MSME/business banking grew ~20% YoY and bank is a market leader (top 2 in mortgages, #1 in MSME in many states); home-loan liabilities penetration increased (stock liability share rose from ~36% to ~50%).

Reduction in Borrowings and Funding Cost

Borrowings reduced ~11% YoY; cost of funds around ~4.4% and has marginally declined (~50 bps YoY), aiding future margin improvement potential as funding mix normalizes.

Hdfc Bank (HDB) 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 >

HDB Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Jul 18, 2026	2027 (Q1)	0.39 / -	0.406	―	―	―
Apr 18, 2026	2026 (Q4)	0.40 / 0.40	0.4	0.75% (<+0.01)
Jan 17, 2026	2026 (Q3)	0.40 / 0.40	0.386	2.59% (+0.01)
Oct 18, 2025	2026 (Q2)	0.38 / 0.40	0.393	1.53% (<+0.01)
Jul 19, 2025	2026 (Q1)	0.40 / 0.41	0.38	6.84% (+0.03)
Apr 19, 2025	2025 (Q4)	0.39 / 0.40	0.389	2.83% (+0.01)
Jan 22, 2025	2025 (Q3)	0.39 / 0.39	0.39	-1.03% (>-0.01)
Oct 19, 2024	2025 (Q2)	0.38 / 0.39	0.379	3.69% (+0.01)
Jul 20, 2024	2025 (Q1)	0.38 / 0.38	0.379	0.26% (<+0.01)
Apr 20, 2024	2024 (Q4)	0.46 / 0.39	0.395	-1.52% (>-0.01)

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

HDB Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jan 22, 2025	$29.13	$30.03	+3.09%
Jan 16, 2024	$32.14	$29.98	-6.71%
Oct 16, 2023	$28.52	$28.92	+1.39%
Jul 17, 2023	$32.82	$34.27	+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.

FAQ

When does Hdfc Bank (HDB) report earnings?

Hdfc Bank (HDB) is schdueled to report earning on Jul 18, 2026, TBA (Confirmed).

What is Hdfc Bank (HDB) earnings time?

Hdfc Bank (HDB) earnings time is at Jul 18, 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 HDB EPS forecast?

HDB EPS forecast for the fiscal quarter 2027 (Q1) is 0.39.