HDFC Bank's net interest income expanded roughly 43% from $310.3B in 2024Q4 to $444.1B in 2027Q2, indicating continued loan franchise momentum, yet quarterly growth swings between -10.5% and 53.5% and a near-static ~0.9% NIM suggest uneven repricing dynamics and warrant further investigation.
Price trend, volume and key moving averages
Start with the evidence for owning the stock and the risks that can break the thesis.
NII grew 43% cumulatively to $444.1B by 2027Q2, but a steady ~0.9% NIM, a $152.9B provision spike in 2026Q1, and fee income swings from -$54.9B to $456.2B indicate materially impaired earnings visibility.
The current stock price of around $25.71 may represent a buying opportunity for investors seeking value in the banking sector.
HDFC Bank boasts a substantial market capitalization of approximately $131 billion, indicating financial strength and market stability.
With a low beta of 0.67, HDB stock exhibits less volatility compared to the broader market, appealing to risk-averse investors.
Weiss Ratings recently downgraded HDB from 'hold' to 'sell,' citing concerns about future performance.
The stock has experienced a significant drop from its 12-month high, hitting a 52-week low of Rs. 588 on March 27, 2026.
With only 1% of the stock owned by corporate insiders, there may be a lack of strong insider confidence in the company's future.
Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).
Check whether operating performance supports the current valuation.
Recent results and news deserve attention only when they alter the forward view.
| Quarter | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|
Q4 2026Latest Oct 17, 2026 | $0.42+4.4% vs $0.40 | $5.1B+3.1% vs $4.9B |
Q3 2026 Jul 18, 2026 | $0.40+5.3% vs $0.38 | $4.8B-3.8% vs $5.0B |
Q2 2026 Apr 18, 2026 | $0.43+10.3% vs $0.39 | $4.8B-5.9% vs $5.1B |
Q1 2026 Jan 17, 2026 | $0.43+10.3% vs $0.39 | $5.0B-1.2% vs $5.1B |
Bank Julius Baer and Co. Ltd Zurich cut its holdings in shares of HDFC Bank Limited (NYSE: HDB) by 33.4% during the third quarter, according to its most recent filing with the Securities and Exchange Commission. The firm owned 130,020 shares of the bank's stock after selling 65,177 shares during the period. Bank
Investors interested in stocks from the Banks - Foreign sector have probably already heard of Woori Bank (WF) and HDFC Bank (HDB). But which of these two stocks presents investors with the better value opportunity right now?
HDFC Bank Limited remains a Hold as Q2FY27 earnings were in line, with muted sequential growth and mixed operational trends. I observe strong MSME loan growth and cost discipline for HDFC, but its retail lending lags and NIM continues to decline, pressuring profitability. The new external CEO's appointment brings both fresh perspective and risks of corporate memory loss .
Retail loan disbursements reached 90,000 crore Indian rupees in the second quarter. Service delivery turnaround times decreased 30% during the second quarter.
Benchmark HDB against direct peers instead of judging its metrics in isolation.
Key metrics vs top competitors for HDFC Bank Limited (HDB)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $25.14 | $128.95B | 15.06 | 37.53% | 25.27% | 17.24% | 1.79% | |
| $33.89 | $123.06B | 19.54 | 8.53% | 27.03% | 15.21% | 0.68% | |
| $20.91 | $9.29B | 12.46 | 9.39% | 27.12% | 17.33% | 0.07% | |
| $7.39 | $81.45B | 9.39 | 4.21% | 25.77% | 21.15% | 10.42% | |
| $2.54 | $26.86B | 5.64 | 11.85% | 20.41% | 14.13% | 8.01% | |
| $111.20 | $39.04B | 8.26 | 87.09% | 15.72% | 10.86% | 2.25% |
HDFC Bank Limited (HDB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
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HDFC Bank Limited (HDB) stock FAQ — growth, dividends, profitability & financials explained
HDFC Bank Limited (HDB) grew revenue by 29.3% over the trailing twelve months, compared with the twelve months before.
Yes. HDFC Bank Limited (HDB) earned $806.70B in net income over the trailing twelve months (a 25.3% net margin).
Yes. HDFC Bank Limited (HDB) pays a dividend that yields 1.79% at the current price, a moderate yield.
HDFC Bank Limited (HDB) had a return on equity (ROE) of 17.2% over the trailing twelve months. That is above the market's typical 10-15%.
HDFC Bank Limited (HDB) has a net interest margin (NIM) of 3.6%. This indicates healthy earnings from lending activities.
HDFC Bank Limited (HDB) has an efficiency ratio of 58.4%. This is reasonable for a bank.
