SBI vs HDFC Bank: Critical Elements to Consider When Choosing the Preferred Investment
Hey there, folks! The financial world is abuzz with the latest quarterly results from two banking titans: State Bank of India (SBI) and HDFC Bank. Curious about which one's gonna be the hotter stock pick in this market cycle? Well, buckle up, because I'm about to spill the beans on three key factors that'll help you make an informed choice.
Dividend Headliners: Who's Forking Over More dough?
SBI made quite the splash with a final dividend of ₹15.90 per share. That's the bank's highest declared dividend in a decade! The last time it doled out this much was in 2013, with a whopping ₹41.50 per share. The record date for this payout is set for May 16, and it'll hit your account by May 30.
On the other hand, HDFC Bank announced a dividend of ₹22 per share for the fiscal year 2025. This banking powerhouse has steadily boosted its dividend payments over the years, handing out ₹19.50 in 2024 and ₹19 in 2023. The record date for this year's dividend is June 27.
SBI vs HDFC Bank: Q4FY25 Performance – Breaking it Down
SBI's net profit for Q4FY25 came in at ₹18,643 crore, a 10% plunge from the same quarter last year. However, the bank hung tough operationally, posting an 8.8% year-on-year growth in operating profit and a climb in net interest income (NII) to ₹42,775 crore.
HDFC Bank, in typical fashion, reported a standalone net profit of ₹17,616 crore for Q4FY25, marking a 6.7% year-on-year increase and a 5.3% surge from the previous quarter. Net interest income rose over 10% year-on-year to ₹32,065.8 crore, while other income, which includes fees and commissions, stood at ₹12,003 crore. The bank reported a net interest margin of 3.54% on total assets and 3.73% on earning assets.
SBI vs HDFC Bank: Share Performance – Who's Leading the Pack?
SBI's share price was trading at ₹775.45 as of this writing, slipping nearly 2% during intraday trade. Over the past five days, the stock has dipped about 3%. While it managed a modest 4% gain over the last month, the overall trend has been underwhelming, with a 9% decline over six months and a 4% fall on a yearly basis. Year-to-date (YTD) in 2025, the stock has seen a 2% slide.
HDFC Bank, on the other hand, has been painting a far more optimistic picture. The stock remained flat with a minor 0.2% dip in today's session but has delivered a robust 10% gain over the past month. Over the past six months, the private banking titan has also risen by 10%, and on a YoY basis, the share price of HDFC Bank has soared by a staggering 27%. So far in 2025, HDFC Bank has notched an 8% gain.
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- The competition between State Bank of India (SBI) and HDFC Bank is heating up, with their Q4 results attracting significant attention from investors.
- In the dividend department, SBI declared a final dividend of ₹15.90 per share for Q4FY25, marking a decade high, while HDFC Bank announced a dividend of ₹22 per share for FY2025.
- SBI's net profit for Q4FY25 dipped by 10%, but it posted an 8.8% year-on-year growth in operating profit and a rise in net interest income.
- HDFC Bank, on the other hand, reported a 6.7% year-on-year increase in net profit for Q4FY25 and a 10% surge in net interest income.
- As of writing, SBI's share price has seen a 2% drop, while HDFC Bank's stock has delivered a 10% gain over the past month.
- Over the past six months, HDFC Bank has risen by 10%, and year-on-year, its share price has skyrocketed by 27%.
- For comprehensive investment advice, brokerage recommendations, and financial news, head over to our website or app – the perfect destination for smart investing.
- In India's booming market, staying ahead of the curve in banking and finance means keeping a close eye on both SBI and HDFC Bank; their performance will greatly impact your business portfolio.
