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HDHDB

HDFC Bank Limited

$HDB·$135B·Banks - Regional·Financial Services
$23.60-10.5%YTD-35.6%1Y-39.8%
Mentions · last 7 days
2026-07-13: 33 posts2026-07-14: 24 posts2026-07-15: 68 posts2026-07-16: 53 posts2026-07-17: 38 posts2026-07-18: 0 posts2026-07-19: 4 posts225
Price updated 8h ago·X counts updated 1d ago
HDHDB
$HDBHDFC Bank Limited
$23.60-10.54%225 posts
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Today's AI verdict on what's driving $HDB, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersStalledAI verdict · as of 2026-07-20

The move has stalled — likely just drifts unless something new shows up.

HDFC Bank at 21% of range — India's private-banking leader with 17% ROE, waiting for the Oct 17 print.

HDFC Bank is India's largest private-sector bank — the dominant retail and corporate banking franchise post-merger with HDFC Limited (mortgage lender). The stock sits at 21% of the 52-week range, and next earnings hits Oct 17 (Q2 FY27) as the Indian banking sector works through the multi-quarter integration cycle.

  • The business is running at genuinely strong pace: revenue (rupees) $1.19T last quarter (+72.5% YoY, reflecting the HDFC merger contribution), operating margin 24%, gross margin 60% — that's Indian-banking-quality P&L integrated with the mortgage-lender-post-merger contribution.
  • The valuation is characteristic of a mature Indian bank: 17x TTM P/E, 2.6x sales, 14x EV/EBITDA — reasonable for a Tier-1 Indian bank with 14% ROE, and the multiple has room to expand if the merger-integration story completes cleanly.
  • The tape has been laggard within the Indian financial group: Position at 21% of the 52-week range, +6% vs. the 50-day — the multi-quarter integration digestion has held back the equity vs. peers like ICICI or Kotak Mahindra.
  • No insider transactions on file — quiet institutional ownership, no cluster of selling or buying to signal directional view, and the multi-quarter setup is fundamental-execution-dependent.

Oct 17 Q2 FY27 earnings has to show: revenue trajectory reflecting the multi-quarter merger integration, net interest margin defense, credit quality (must remain clean), and any specific HDFC Limited integration synergy commentary. A clean beat with a strong margin defense unlocks the trend back toward higher levels. A soft print with any credit-quality concern sends the stock lower. This is a multi-year value + growth combination on a Tier-1 Indian bank; Oct 17 is the near-term proof point.

What to watch: Oct 17 Q2 FY27 earnings — revenue trajectory (reflecting HDFC merger integration), net interest margin defense, credit quality metrics, and HDFC Limited integration synergy commentary. Also watch Indian bank peers (ICICI, Kotak). A clean beat with margin defense unlocks higher trend; a soft print with credit-quality concern retraces.

On the calendar: 2026-10-17 — Q2 FY27 earnings

indian bank leaderhdfc merger integrationtier1 franchise

Read the AI verdict + X sentiment for $HDB

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What it does

Plain-English summary of the business — what they sell and how they make money.

HDFC Bank Limited is a prominent financial institution providing a comprehensive suite of banking and financial services, catering to both individual and corporate clients across India, Bahrain, Hong Kong, and Dubai. The bank organizes its operations into several key segments: Treasury, Retail Banking, Wholesale Banking, Other Banking Business, and Unallocated. Its offerings include a wide array of deposit products such as savings, salary, current, rural, public provident fund, and pension accounts, alongside Demat accounts for investments. Customers can also opt for fixed and recurring deposits, safe deposit lockers, offshore accounts and deposits, overdraft facilities against fixed deposits, and sweep-in options. HDFC Bank extends a diverse range of lending solutions, encompassing personal, home, vehicle (car and two-wheeler), business, educational, gold, consumer, and rural loans. It also provides specialized financing against properties, securities, rental receivables, and assets, as well as tailored loans for professionals and participation in government-sponsored schemes. Furthermore, the bank offers credit card-linked loans, working capital financing, and funding for commercial/construction equipment, healthcare/medical devices, and commercial vehicles. Dealer finance, term loans, and professional loans complete its extensive lending portfolio. Beyond lending, the bank issues credit, debit, prepaid, and forex cards, and facilitates various payment and collection services. These include export, import, remittance, bank guarantees, letters of credit, trade finance, hedging solutions, and comprehensive merchant and cash management services. Clients can also access insurance and investment products through HDFC Bank. For its corporate and institutional clients, HDFC Bank provides short-term finance, bill discounting, structured finance, export credit, loan syndication, and document collection services. The bank embraces digital innovation, offering online, wholesale, mobile, and phone banking, alongside instant payment systems like UPI, IMPS, NEFT, and RTGS. Additional services include channel and vendor financing, reimbursement accounts, money market operations, derivatives, employee trusts, solutions for cash-surplus corporates, tax payment services, and acting as bankers to rights/public issues. It also delivers bespoke financial solutions for supply chain partners and agricultural clients. As of March 31, 2022, HDFC Bank maintained a substantial physical presence, operating 21,683 banking outlets, including 6,342 branches and 18,130 automated teller machines (ATMs) across 3,188 cities and towns. Established in 1994, HDFC Bank Limited is headquartered in Mumbai, India.

Industry overviewAI analysisGenerated by AI from underlying data

Where Banks - Regional sits in its cycle right now — and what that implies for $HDB.

Banks - Regional · Financial Services

No material change from last week — Inter's super-app model captures LatAm's under-penetrated credit market while Lloyds and Citizens navigate a NIM cycle that peaks as central banks begin cutting.

What this means for $HDB

Partial — HDFC Bank Limited is a prominent financial institution providing a comprehensive suite of banking and financial services, catering to both individual and corporate clients across India, Bahrain, Ho; partial earnings exposure to banks - regional demand dynamics through its product portfolio.

Top industry ETF

$KRESPDR S&P Regional Banking ETF
+16.9%YTD
+20.3%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
16.6How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
1.7%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
21.5%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
0.0%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
2.6Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
13.6%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
59.9%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
1.0Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Jul 20, 2026$0.39$0.40-3.4%
Q1 2026Apr 18, 2026$0.43$0.39+10.3%
Q4 2025Jan 17, 2026$0.43$0.39+10.3%
Q3 2025Oct 18, 2025$0.44$0.36+22.2%
Next earningsMon, Oct 19·consensus EPS $0.39

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q4 FY26$1.19T+72.5%58.4%23.7%$119.94$1.72T
Q3 FY26$1.28T+14.1%61.0%21.2%$38.58$0
Q2 FY26$1.21T+33.3%57.0%22.5%$39.01$0
Q1 FY26$1.33T+13.6%52.6%15.7%$31.86$0

Forward consensus

5-year forecast · up to 19 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$1.95T$1.94T – $1.95T$146.97$145.09 – $147.9018
FY27$2.12T$2.11T – $2.12T$164.58$160.69 – $171.4019
FY28$2.42T$2.40T – $2.43T$190.63$186.76 – $193.5319
FY29$2.71T$2.71T – $2.71T$218.72$218.71 – $218.739
FY30$3.20T$3.20T – $3.20T$262.09$262.08 – $262.109

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.3.0×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.4%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.-5.2%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.-22.5%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatMega float · 1.7B shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today1.5% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β0.425-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellMay 7N SrinivasanGroup Head - Operations10.0K sh$87KSellApr 28Ashish ParthasarthyGroup Head - Treasury5.6K sh$49KSellApr 21Ashish ParthasarthyGroup Head - Treasury6.0K sh$54KSellMar 23N SrinivasanGroup Head - Operations10.0K sh$82K
+ 8 other (8 inthemoneys) in window

See when $HDB insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

3New insider — initial holdingsApr 83
3New insider — initial holdingsApr 73
3New insider — initial holdingsApr 73
3New insider — initial holdingsApr 63
3New insider — initial holdingsMar 303
3New insider — initial holdingsMar 233
3New insider — initial holdingsMar 183
3New insider — initial holdingsMar 183
+ 63 other (38 6-Ks · 25 3s) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

HDFC Bank Limited (HDB) Q1 2027 Earnings Call Transcriptseekingalpha.com·3d agoHDFC Bank Q1 Earnings Call Highlightsmarketbeat.com·3d agoEBKDY vs. HDB: Which Stock Is the Better Value Option?zacks.com·22d agoEBKDY or HDB: Which Is the Better Value Stock Right Now?zacks.com·39d agoIndian banks lead market gains on RBI's foreign deposit initiativeinvezz.com·42d ago

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Voices on X · last 7 days

No standout posts about $HDB on X in the last 7 days.

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