HDB Earnings Prediction
The chart below shows how HDB performed 10 days before and after its earnings report, based on data from the past quarters. Typically, HDB sees a +2.53% change in stock price 10 days leading up to the earnings, and a -2.49% change 10 days following the report. On the earnings day itself, the stock moves by -0.71%. This data can give you a slight idea of what to expect for the next quarter's release.
HDB Key Earning Data
2024/Q4
Year Over Year
Quarter Over Quarter
Total Revenue
4.49B
-27.37%
1.26%
Gross Margin
--
--
--
Operating Margin
63.76%
55.32%
3.71%
Net Margin
49.56%
46.19%
6.58%
EPS
0.28
3.70%
7.69%
No Data Available
HDB Earnings Analysis
HDFC Bank Limited Corporation (HDB.N) Earnings Conference Call
Positive
Improving Liquidity Trend: Liquidity has been gradually improving over the last couple of months, indicating a positive trend in financial stability.
Healthy Deposit Growth: The deposit growth has been very healthy, averaging around 15% year-on-year, showcasing strong customer confidence.
Retail Deposit Contribution: The retail branch continues to contribute around 80% to 85% of total deposits, specifically 84%, highlighting its importance in the overall strategy.
Asset Management Growth: The average assets under management grew by about 10.2% year-on-year, reflecting effective asset management and growth strategies.
Profit After Tax Growth: The profit after tax grew at about INR 16,800 crores, showing an optical growth rate of about 5.3%, with an adjusted growth rate of about 17% when accounting for bond gains.
Negative
Challenging Customer Growth Environment: The deposit rates continue to be elevated and sticky, indicating a challenging environment for customer growth.
Credit Growth Outlook: Despite a healthy deposit growth of around 15% year-on-year, the overall credit growth is expected to slow down in FY25 compared to the system growth rates.
Asset Management Growth Slowdown: The average assets under management grew by only about 10.2% year-on-year, indicating a slowdown in growth compared to previous periods.
Profit After Tax Growth: The profit after tax grew at a modest rate of about 5.3%, which is significantly lower than the adjusted growth rate of about 17% from the previous year.
Stable Gross NPA Rate: The gross NPA remains stable at about 1.4%, which is not an improvement compared to previous periods, indicating ongoing asset quality concerns.
HDB FAQs
How does HDB typically perform around its earnings report dates?
Is HDFC Bank Ltd (HDB) Q2 2025 Earnings Conference Call Summary positive or negative?
How can historical earnings data help predict future stock performance?
HDB Earning Call Sentiment
HDFC Bank Ltd (HDB) Q2 2025 Earnings Conference Call Transcript
1.0x
00:00
00:00
HDB.N
0.67%Positive
Basic financial performance is strong with a 17% profit growth and stable NPA. The share buyback and dividend declaration are positive for shareholders. The Q&A reveals cautious optimism, with management addressing concerns on liquidity and credit quality. Despite competitive pressures and economic challenges, the bank maintains stable margins and healthy deposit growth. The share buyback and dividend enhance shareholder returns, supporting a positive sentiment.