HDB|Earnings Snapshot
EPS
| Qtr | Est | Actual | +/− |
|---|---|---|---|
| Q4'26 | $0.39 | - | - |
| Q3'25 | $0.36 | $0.41 | +14.5% |
| Q2'25 | $0.38 | $0.41 | +9.1% |
| Q1'25 | $0.25 | $0.40 | +63.7% |
| Q4'24 | $0.25 | $0.38 | +53.4% |
Revenue
| Qtr | Est | Actual | +/− |
|---|---|---|---|
| Q4'26 | $473.9B | - | - |
| Q3'25 | - | $459.0B | - |
| Q2'25 | - | $531.7B | - |
| Q1'25 | - | $440.9B | - |
| Q4'24 | - | $421.1B | - |
HDB|Monthly Returns
Market Data
HDB Stock Snapshot
- Market cap
- 117.59B
- P/E ratio
- 13.8
- Day range
- $22.94 – $23.20
- News sentiment
- 50/100 · Neutral
- Analyst target
- $30.52 (+33.0%)
- Consensus
- Strong Buy · 49 analysts
HDFC Bank Ltd is trading near its 52-week low with momentum still pointing lower. In Financial Services, names this size usually take direction from sector flows before company-level news.
Reverse DCF
What growth is priced into HDB?
At today's price, HDFC Bank Ltd needs to grow free cash flow about 13.6% a year for the next 10 years to justify its valuation at a 11.31% cost of capital. Over its actual history it has compounded free cash flow at 17.9% a year, so the market is asking for 4.3 percentage points below its own delivered rate. On that basis HDB looks priced below what its own growth record supports.
- Implied FCF growth
- 13.6%
- Historical FCF CAGR
- 17.9%
- Growth gap
- -4.3 pts
- Verdict
- CHEAP
- Discount rate (WACC)
- 11.31%
- Beta
- 0.66
Behaviour On Record
What HDB's own history says about today's numbers
- Realized volatility (21d)
- 35.3% 87th pct
- Below its peak
- -41.5%
- vs 200-day average
- -17.7%
- Up days (1y)
- 47%
HDFC Bank Ltd is currently running 35.3% annualised volatility over the last 21 sessions. Measured against HDB's own 12 years of daily returns rather than a market-wide average, that is the 87th percentile — elevated for this stock, against a typical reading of 22.8%. The distinction matters because a number that looks calm for one stock is turbulent for another, and the absolute figure on its own tells you neither.
HDB is trading -41.5% below its running peak. Across 11 full years on file, its median worst-drawdown-in-a-year was -21.3%, and the deepest was -51.6% in 2020. The current drawdown is already deeper than this stock's typical annual low point, which puts it in the part of its range where past recoveries began — and where past declines also continued.
Price sits -17.7% from its 200-day moving average. Against every other day in its history, that gap ranks at the 6th percentile — a narrower gap than it typically runs. Over the past year HDB closed higher on 47% of sessions, and it is currently 1 session into a falling streak.
On September specifically: over 12 years of records, HDB finished the month higher 3 of 12 times, with a median return of -2.5% and an average of -1.3%. Its strongest month historically has been October at +3.8% on average, its weakest January at -2.2%. Seasonality is a weak signal on its own — a decade is a small sample and regimes change — but it is a real distribution rather than a rule of thumb.
Overnight risk is measurable too: HDB has opened more than 2% away from the prior close in 191 of 2,972 sessions (6.4% of the time), with the largest gaps running +64.0% and -7.1%. For anyone holding through an event, that rate is a better guide to overnight exposure than the intraday range.
All figures computed from 2,973 daily closes between 2013-09-16 and 2026-09-14, split-adjusted, recomputed daily. Percentiles are against HDB's own 13-year history, not a peer group or index.
Sector Rotation
Is money rotating into or out of HDB's sector?
HDFC Bank Ltd sits in the Financials sector, currently ranked 4th of 11 GICS sectors by relative-strength rotation score (lagging). Within its narrower Banks industry group, HDB ranks 9th of 15 tracked industries, lagging.
- Sector rank
- #4 of 11
- Sector state
- Lagging
- Sector rotation score
- 70
- Industry rank
- #9 of 15
Analyst Rating Changes
Are analysts turning bullish or bearish on HDB?
JP Morgan most recently downgraded HDFC Bank Ltd to Neutral on Jul 22, 2024. Over the last 90 days, coverage has run 0 upgrades against 0 downgrades, a net mixed lean.
- Latest action
- JP Morgan — Neutral
- 90-day upgrades
- 0
- 90-day downgrades
- 0
- Net rating momentum
- 0
