Are HDFC Bank latest results good or bad?

HDFC Bank has reported its financial results for the quarter ending June 2025, highlighting a mix of operational trends. The bank achieved its highest quarterly interest earned at Rs 77,470.20 crore, reflecting consistent growth over the last five quarters, although the year-on-year growth rate has shown a decline compared to the previous year. The Profit After Tax (PAT) reached Rs 18,155.21 crore, marking an upward trend in profitability, yet this growth rate has also decreased relative to the prior year.
However, the bank encountered challenges, particularly with its Profit Before Tax less Other Income (PBT), which fell significantly year-on-year, marking the lowest level in the last five quarters. Additionally, the net non-performing assets (NPA) rose to 0.47%, indicating an increase in stressed loans, which could raise concerns about asset quality. The non-operating income reached Rs 21,729.83 crore, which raises questions regarding its sustainability given its high proportion relative to PBT.

Overall, while HDFC Bank has shown strong interest earnings and profitability, the challenges in PBT and rising NPAs suggest areas of concern. Furthermore, the company saw an adjustment in its evaluation over the last three months, reflecting these mixed operational trends.