HDFC Bank Limited
HDB
$35.72 -0.67%
Exchange: NYSE | Sector: Financial Services | Industry: Banks Regional
Q3 2025
Published: Dec 31, 2024

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

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 รขโ€šยน613.22 billion, with operating income of รขโ€šยน528.05 billion, reflecting a strategic focus on maintaining stable margins and robust deposit growth of 16% year-on-year. Notably, the net income stood at รขโ€šยน176.57 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

Historical Earnings Comparison

PeriodRevenue ($M)EPS ($)YoY GrowthReport
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