DailyIQ
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Sector:Financial ServicesAll sectors
Last updated 6 minutes ago

HDB·HDFC Bank Ltd

$.
-. (-.%)
After Hours
High
$26.81
Open
$26.52
Market Cap
12771.52B
52W High
$1,020.50
Low
$26.15
P. Close
$26.15
P/E
16.80
52W Low
$726.65
Fwd P/E
17.75
DailyIQ Est.
$35.40
Technical Score (1D)
59
BUY
News Sentiment
-
NO DATA
Deposit growth at HDFC Bank fell short of market expectations, indicating weaker liquidity that could tighten the bank’s net interest margin over the next ten trading days. This shortfall may prompt analysts to revise the bank’s growth outlook, potentially lowering projected earnings and affecting its valuation. Investors should watch the upcoming earnings release for updated deposit projections and any commentary on the bank’s funding strategy. HDFC Bank’s valuation remains modest, with a price‑to‑earnings ratio below peers and a dividend yield near four percent, offering a value proposition for income‑focused investors. Growth is largely driven by new housing projects, which could sustain cash flow if the housing market remains stable. Regulatory changes that affect the housing sector could alter the bank’s exposure, so monitoring policy updates is essential. Second‑order sector implications include shifts in demand for housing loans and changes in interest‑rate sensitivity that could influence the bank’s profitability. Macro‑economic factors such as inflation and RBI policy decisions may also impact deposit growth and loan demand. Keep an eye on the next earnings release and any regulatory announcements that could affect the bank’s liquidity and loan portfolio.
Earnings Summary
HDFC Bank Limited (HDB) is a comprehensive financial institution headquartered in Mumbai that serves individual and corporate clients across India and select international markets, offering a broad spectrum of deposit, loan, payment, trade finance, and investment products; it operates within the Indian regional banking sector, a segment characterized by intense competition and regulatory oversight. In the most recent four quarters, HDB’s earnings per share (EPS) rose from 0.37825 in Q4 2024 to 0.41211 in Q3 2025, reflecting a 5.7% increase in average quarterly EPS compared to the prior two quarters, while revenue climbed from an average of ₹430.5 billion to ₹495.3 billion, a 15% rise; all four quarters beat consensus estimates (0.2465, 0.246, 0.3765, 0.36), underscoring a consistent earnings beat pattern. Historically, HDB has maintained a trajectory of EPS beats across multiple reporting periods, with revenue growth that has accelerated in Q2 2025 (≈20.7% YoY) before moderating in Q3 2025, indicating a potential cyclical slowdown; the bank’s cost‑to‑income ratio has improved, yet net interest margin compression has been noted, suggesting margin pressure may temper future growth. Recent news highlights HDB’s attractive valuation relative to peers, citing a lower P/E and higher dividend yield, and reports of strong deposit (14.4%) and credit (12%) growth in Q4 2026, alongside improved cost efficiency; however, policy headwinds and regulatory scrutiny are flagged as potential constraints, with analyst sentiment remaining volatile due to divergent price‑target revisions. Forward‑looking watch points for investors include monitoring upcoming regulatory announcements and RBI policy statements that could influence lending conditions, observing the bank’s next earnings release for updates on cost‑to‑income dynamics and loan‑to‑deposit ratios, and tracking dividend payout schedules and any further analyst revisions to gauge valuation adjustments; these factors will be key to assessing HDB’s near‑term earnings trajectory and risk profile.}}

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
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Market Data

HDB Stock Snapshot

HDB is currently trading at $26.20, giving HDFC Bank Ltd a market cap of 12771.52B and a P/E ratio of 16.8. Today's range spans $26.15–$26.81, with shares opening at $26.52 and moving up $0.05 (0.2%) from the prior close. DailyIQ's technical score sits at 59/100 (HOLD).

Over the past year HDB has traded between $726.65 and $1020.50 - the current price is -96.4% 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 +32.8%.

A HOLD signal on a 59/100 technical score doesn't alarm anyone watching HDB - at 12771.52B in capitalization, HOLD phases in Financial Services are often where quiet institutional accumulation happens between catalysts. Price: $26.20 (near 52-week lows). Sentiment: neutral at -/100. (P/E: 16.8) The 52-week range of $726.65–$1020.50 shows the stock has visited both extremes and found its way back - current pricing sits where conviction needs a new input to break direction.

The 52-week span of $726.65–$1020.50 frames the range that HDB has established for institutional reference. A HOLD signal at 59/100 and neutral news sentiment (-/100) say the market is repricing information, not ignoring it — and at 12771.52B in Financial Services market cap, that repricing process tends to be methodical, making the eventual breakout cleaner and more sustained than in smaller, more reactive peers.