DailyIQ
|
Sector:Financial ServicesAll sectors
Last updated 7 minutes ago

HDB·HDFC Bank Ltd

$.
+. (+.%)
After Hours
High
$26.91
Open
$26.78
Market Cap
12593.64B
52W High
$1,020.50
Low
$26.47
P. Close
$26.52
P/E
16.56
52W Low
$726.65
Fwd P/E
18.00
DailyIQ Est.
$35.40
Technical Score (1D)
68
BUY
News Sentiment
-
NO DATA
HDFC Bank’s latest deposit growth fell short of market expectations, signalling weaker liquidity for the next 1–10 trading days. The shortfall could compress the bank’s net‑interest margin, as deposits are a key funding source for its lending portfolio. A tighter margin may dampen earnings growth, prompting analysts to revise the bank’s outlook. Investors should watch the upcoming earnings release for updated deposit projections and any commentary on the bank’s funding strategy. The article also notes that HDB trades at a modest P/E and a 4 % dividend yield, positioning it as a value play. However, the weaker deposit growth may limit the bank’s ability to finance new housing projects, which were highlighted as a growth driver. The combination of value metrics and potential margin pressure creates a nuanced view for the next 1–10 trading days. Watch for any regulatory changes that could impact the housing market, as they could influence the bank’s loan demand. Additionally, keep an eye on the bank’s net‑interest margin trend in the earnings report to gauge the impact of the deposit shortfall.
Earnings Summary
Company Context: HDFC Bank Limited is a comprehensive financial institution serving individual and corporate clients across India and select international markets, offering deposit accounts, loans, payment solutions, trade finance and investment products, and differentiating itself through an extensive branch and ATM network. Operating within the financial services sector and classified as a regional bank, the bank plays a significant role in India’s banking landscape. Recent Quarterly Performance: In the most recent four quarters, HDFC Bank has consistently outperformed analyst expectations, recording EPS of 0.37825 in Q4 2024, 0.40259 in Q1 2025, 0.41069 in Q2 2025, and 0.41211 in Q3 2025, each surpassing the respective estimates of 0.2465, 0.246, 0.3765, and 0.36. Revenue rose from ₹421.07 billion in Q4 2024 to ₹440.94 billion in Q1 2025, accelerated to ₹531.68 billion in Q2 2025, and then declined to ₹459.02 billion in Q3 2025, reflecting a peak in the second quarter followed by a contraction. The bank’s EPS growth has decelerated slightly from a 6.6 % increase in Q4 2024 to Q1 2025 to a 2.0 % rise in Q2 2025 and a marginal 0.3 % gain in Q3 2025, yet the company maintained a 100 % beat rate on earnings estimates. Historical Streak Analysis: Over the past year, HDFC Bank has shown a steady upward trajectory in earnings, with EPS consistently rising and revenue growth peaking in Q2 2025 before a modest decline; the bank has achieved a clean streak of earnings beats, underscoring disciplined profitability management. Recent News Context: Recent reports indicate that deposit growth fell short of market expectations, potentially tightening the bank’s net‑interest margin and constraining its ability to finance new housing projects, a key growth driver; analysts have flagged the need to monitor funding strategy and regulatory developments that could impact the housing market. Forward‑Looking Watch Points: Investors should watch for updated deposit projections and commentary on the bank’s funding strategy in the upcoming earnings release, pay close attention to any adjustments to net‑interest margin guidance, and monitor regulatory announcements that could influence the housing loan portfolio and overall liquidity conditions.

EPS

EstBeatMiss
$0.22$0.28$0.33$0.38$0.44Q4'24Q1'25Q2'25Q3'25Q4'26
QtrEstActual+/−
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

EstBeatMiss
$404.5B$440.4B$476.4B$512.3B$548.3BQ4'24Q1'25Q2'25Q3'25Q4'26
QtrEstActual+/−
Q4'26$473.9B - -
Q3'25 - $459.0B -
Q2'25 - $531.7B -
Q1'25 - $440.9B -
Q4'24 - $421.1B -
Full Earnings BreakdownEstimates, actuals, guidance, and historical context
→

Market Data

HDB Stock Snapshot

HDB is currently trading at $26.91, giving HDFC Bank Ltd a market cap of 12593.64B and a P/E ratio of 16.6. Today's range spans $26.47–$26.91, with shares opening at $26.78 and moving up $0.39 (1.5%) from the prior close. DailyIQ's technical score sits at 68/100 (BUY).

Over the past year HDB has traded between $726.65 and $1020.50 - the current price is -96.3% off the 52-week low and -97.4% from the high. 49 analysts cover the stock with a Strong Buy consensus and a mean 12-month target of $34.80 (range $31.20–$36.00), implying upside of +29.3%.

HDFC Bank Ltd (HDB) has earned its mega-cap status in Financial Services - and the current data backs it up. Technical score 68/100 (BUY), sentiment -/100 (neutral), price $26.91 (near 52-week lows). (P/E: 16.6) The 52-week window from $726.65 to $1020.50 establishes the range, and the current bullish reading says this stock isn't testing support - it's testing what the next leg of the trend looks like.

For portfolio managers constructing Financial Services exposure, a mega-cap with a BUY signal and neutral news backdrop represents the kind of conviction-generating setup that justifies moving from benchmark weight to overweight. The 68/100 technical score at $26.91 (near 52-week lows) provides the entry discipline; the 12593.64B market cap provides the exit liquidity — a combination most position-sizing frameworks actively seek.