HDFC Bank's Q4 FY 2025-26 Quarterly Results

Result Summary

• HDFC Bank Ltd reported a 5.2% quarter-on-quarter (QoQ) decrease in its consolidated revenues for the quarter-ended Mar (Q4 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a decline of 3.3%.
• Its expenses for the quarter were down by 5.7% QoQ and 2.1% YoY.
• The net profit decreased 6.8% QoQ and increased 7.1% YoY.
• The earnings per share (EPS) of HDFC Bank Ltd stood at 24.52 during Q4 FY 2025-26.

Financial Statments for Q4 FY 2025-26

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Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results

Company Overview

HDFC Bank Ltd is one of India's leading banking and financial services companies, providing a comprehensive range of banking and financial products and services to its customers. The bank operates in various segments, including retail banking, wholesale banking, and treasury operations. HDFC Bank is known for its extensive branch network, digital banking services, and a strong focus on customer satisfaction. It offers a variety of products, such as loans, credit cards, savings accounts, and wealth management services. Notably, the bank has been at the forefront of adopting new technologies to enhance customer experience and operational efficiency. Recent developments include enhancements in digital platforms to improve service delivery and customer engagement.

Revenue

In the fourth quarter of the fiscal year 2026, HDFC Bank reported a total income of ₹120,268.76 crores. This figure represents a decrease of 5.2% from the previous quarter (Q3FY26), where the total income was ₹126,927.27 crores. When compared to the fourth quarter of the previous fiscal year (Q4FY25), there was a decline of 3.3% from ₹124,391.35 crores. These figures reflect the bank's performance in terms of revenue generation over different periods. The total income comprises interest earned from various lending activities and non-interest income from fees, commissions, and other financial services provided by the bank.

Profitability

HDFC Bank's profitability metrics for Q4FY26 show a profit before tax of ₹25,573.39 crores, which is a 5.1% decline from the previous quarter's ₹26,961.10 crores. However, there is a notable year-over-year increase of 44.0% compared to Q4FY25, where the profit before tax was ₹17,761.39 crores. The profit after tax for Q4FY26 stood at ₹19,284.57 crores, down 6.8% from Q3FY26's ₹20,691.04 crores, while showing a year-over-year increase of 7.1% from ₹18,012.87 crores in Q4FY25. The provisions and contingencies for the quarter were ₹3,805.36 crores, reflecting a 5.1% increase from Q3FY26 but a substantial decrease of 72.4% compared to the same quarter in the previous year.

Operating Metrics

The total expenses for HDFC Bank in Q4FY26 were ₹90,890.01 crores, representing a 5.7% decrease from ₹96,345.46 crores in Q3FY26 and a 2.1% decrease from ₹92,819.42 crores in Q4FY25. These operating expenses include costs associated with the bank's day-to-day operations, such as employee salaries, branch maintenance, and technology investments. The earnings per share (EPS) for the fourth quarter of FY26 were ₹24.52, which shows a significant quarter-over-quarter increase of 91.3% from ₹12.82 in Q3FY26 and a year-over-year increase of 6.1% from ₹23.12 in Q4FY25. This metric indicates the portion of the bank's profit allocated to each outstanding share of common stock.