Quick answer: latest quarter results, by ticker or company name

Reported Q: Q3 2025 Rev YoY: -46.7% EPS YoY: +1.6% Move: -1.74%

HDFC Bank Limited

HDB

$33.86 -1.74%

Exchange NYSE Sector Financial Services Industry Banks Regional

Q3 2025

Published: Dec 31, 2024

Company Status Snapshot

Fast view of the latest quarter outcome for HDB

Reported

Report Date

Dec 31, 2024

Quarter Q3 2025

Revenue

613.22B

YoY: -46.7%

EPS

23.00

YoY: +1.6%

Market Move

-1.74%

Previous quarter: Q2 2025

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Earnings Highlights

Revenue of $613.22B down 46.7% year-over-year
EPS of $23.00 increased by 1.6% from previous year
Gross margin of 100.0%
Net income of 176.57B
""Despite the challenging macro environment, we are seeing some amount of rural demand picking up and continuing strength in services exports." - Sashidhar Jagdishan" - Sashidhar Jagdishan

HDB

HDFC Bank Limited

Period Q3 2025

Currency INR

Report Type Quarterly Earnings

Generated Feb 10, 2026

Executive Summary

HDFC Bank Limited reported strong financial results for Q3 2025, showcasing resilience in a challenging macro environment characterized by tight liquidity and moderate urban demand. The bank's total revenue reached â‚¹613.22 billion, with operating income of â‚¹528.05 billion, reflecting a strategic focus on maintaining stable margins and robust deposit growth of 16% year-on-year. Notably, the net income stood at â‚¹176.57 billion, with an impressive net income ratio of 28.79%. Management highlighted positive indicators, including rural demand trends and ongoing investments in expanding distribution, which have collectively supported growth and market share gains despite prevalent economic constraints.

Key Performance Indicators

Revenue

Decreasing

613.22B

QoQ: -49.51% | YoY: -46.68%

Gross Profit

Decreasing

613.22B

1.00% margin

QoQ: -49.51% | YoY: -8.70%

Operating Income

Increasing

528.05B

QoQ: 120.31% | YoY: 154.08%

Net Income

Increasing

176.57B

QoQ: -0.95% | YoY: 2.31%

EPS

Increasing

23.11

QoQ: -1.24% | YoY: 1.63%

Revenue Trend

Margin Analysis

Financial Highlights

### Financial Performance Metrics
- Total Revenue: â‚¹613.22 billion (YoY Change: -46.68%)
- Operating Income: â‚¹528.05 billion (Operating Income Ratio: 86.11%)
- Net Income: â‚¹176.57 billion (Net Income Ratio: 28.79%)
- Earnings Per Share (EPS): â‚¹23.11 (Diluted EPS: â‚¹23.00)
- Deposit Growth: 16% Year-on-Year
- Loan Growth: AUM advances growth of 8% YoY
- Cost to Income Ratio: 40.5%-41%

### Key Trends
- The Gross Profit Margin remained high at 100%, indicating effective cost management despite revenue challenges.
- The bank's focus on maintaining a Credit to Deposit (CD) ratio is reflected in effective liquidity management, with sufficient capital availability for growth when macro conditions improve.

Income Statement

Metric	Value	YoY Change	QoQ Change
Revenue	613.22B	-46.68%	-49.51%
Gross Profit	613.22B	-8.70%	-49.51%
Operating Income	528.05B	154.08%	120.31%
Net Income	176.57B	2.31%	-0.95%
EPS	23.11	1.63%	-1.24%

Key Financial Ratios

Gross Profit Margin

Weak

1.00%

Gross profit margin is below industry norms, profitability concerns

Operating Profit Margin

Excellent

86.10%

Operating margin is exceptional, indicating strong pricing power and operational efficiency

Net Profit Margin

Excellent

28.80%

Net profit margin is exceptional, indicating strong pricing power and operational efficiency

Return on Assets

Weak

0.42%

Return on assets suggests inefficient capital allocation

Return on Equity

Weak

3.52%

Return on equity suggests inefficient capital allocation

Debt to Equity

High Risk

1.30

Debt-to-equity indicates high leverage and elevated financial risk

P/E Ratio

Fair Value

19.79x

P/E ratio in line with market averages

Price to Book

Fair Value

2.78x

Price-to-book ratio reasonable for profitable companies

Historical Earnings Comparison

Period	Revenue ($M)	EPS ($)	YoY Growth	Report
Q1 2026	1,330,549.70	21.12	+13.7%	View
Q4 2025	694,771.90	24.50	+1.5%	View
Q3 2025	613,223.70	23.00	-46.7%	View
Q2 2025	1,214,567.40	23.29	+12.9%	View
Q1 2025	1,169,964.90	21.59	+233.6%	View

HDFC Bank Limited (HDB) Q3 2025 Earnings Report

Company Status Snapshot

Earnings Highlights

Executive Summary

Key Performance Indicators

Revenue Trend

Margin Analysis

Financial Highlights

Income Statement

Key Financial Ratios

Management Insights Available for Members

Peer Comparison Available for Members

Investment Outlook & SWOT Available for Members

Historical Earnings Comparison

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