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HDB Financial Services Limited HDBFS NIFTY_MIDNSEFINANCIAL

Financial Services · Credit Services · India
https://www.hdbfs.com
Company Profile ↓
₹512.25
-30.67% 1Y
Mkt Cap₹42,437.59 Cr
P/E15.44
P/B2.37
Div. Yield0.68%
52W High₹795.63
52W Low₹509.05
Book Value₹248.87
EPS (TTM)₹33.17

Company Overview

HDB Financial Services Limited operates as a non-banking financial company that provides lending and business process outsourcing services in India. The company offers personal loans, salaried personal loans, business loans, micro lending loans, auto loans, two-wheeler loans, relationship personal loan, gold loans, loans against property, enterprise business loans, consumer durable loans, commercial vehicle loans, construction equipment loans, car loans, digital and lifestyle product loans, digital lending, tractor loans, and general and life insurance products. It also provides BPO services, including collection, back office, and sales support services. The company was incorporated in 2007 and is based in Mumbai, India. HDB Financial Services Limited operates as a subsidiary of HDFC Bank Limited.

Why Investors Should Care

Steady Revenue Expansion

Revenue has grown at a 14.0% CAGR over the past five years.

Reasonable Valuation

Trades at an undemanding P/E of 15.4.

Healthy Margins

Maintains a net profit margin of 29.8%.

Recent Developments

  • Mar 2026 Revenue of ₹18,143.35 Cr (+12.8% YoY); net profit ₹2,543.83 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +21.0%, earnings +32.6%.
  • 5-Year Trend Long-term compounding — revenue CAGR 14.0%, profit CAGR 9.1%.

Growth & Price Performance

Compounded Sales Growth

5 Years:14.01%
1 Year:21.00%

Compounded Profit Growth

5 Years:9.09%
1 Year:32.60%

Stock Price Performance

1 Year:-30.67%
6 Months:-23.87%
3 Months:-27.57%
1 Month:-26.65%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bearish
52-Week Range 1% of range
₹509.05 ₹795.63
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)21.39 · Oversold
Price Performance
1M-26.65%
3M-27.57%
6M-23.87%
1Y-30.67%
Valuation vs Sector

P/E of 15.44 is above the sector median of 15.36 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 29.8%.
  • Compounding revenue at 14.0% over 5 years.

CONS

  • Trading 35.6% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).
  • RSI at 21 suggests oversold conditions.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
15.44
Industry PE
15.36
Forward P/E
10.81
PEG Ratio
-
Book Value
₹248.87
Price to Book
2.37
P/S
5.26
EV/EBITDA
21.81
Dividend Yield
0.68%

Growth (CAGR)

Revenue 5Y
14.01%
Profit 5Y
9.09%
Revenue (YoY)
21.00%
Earnings (YoY)
32.60%

Profitability & Returns

ROCE
7.86%
ROE
12.31%
ROA
2.06%
Profit Margin
29.79%
Op Margin
42.42%
Gross Margin
99.79%
EPS (Latest Qtr)
₹9.43
EPS (TTM)
₹33.17

Balance Sheet & Liquidity

Debt/Equity
4.84
Quick Ratio
-
Current Ratio
1.29
Debt
₹1.00 L Cr
Total Assets
₹1.24 L Cr
Current Assets
₹47,159.19 Cr
Working Capital
₹10,718.54 Cr

Ownership

Promoter Holding
74.44%
Chg in Prom Hold
-0.00%
FII / Inst Holding
11.95%
Chg in FII Hold
-1.31%

Financial Snapshot

Enterprise Value
₹42,437.59 Cr
Total Revenue (TTM)
₹9,270.41 Cr
EBITDA
₹7,062.40 Cr
Free Cash Flow
₹-8,749.17 Cr
Operating Cash Flow
₹-8,605.56 Cr
Shares Outstanding
₹82.85 Cr
Gross Margin
99.79%
Payout Ratio
12.05%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 HDBFS HDB Financial Services Limited NIFTY_MIDNSEFINANCIAL 512.25 15.44 ₹42,437.59 Cr 0.68% 7.86% 12.31% 14.01% 9.09%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 706.95 15.45 ₹10.90 L Cr 1.88% - 13.84% 16.90% 12.47%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,385.00 17.90 ₹9.94 L Cr 0.89% - 16.07% 18.11% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 963.00 10.32 ₹8.89 L Cr 1.82% - 15.18% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 926.00 28.43 ₹5.77 L Cr 0.56% - 16.68% 22.58% 18.23%
6 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 437.80 21.46 ₹4.36 L Cr 0.15% - 10.64% 13.48% 8.92%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,210.00 13.61 ₹3.77 L Cr 0.08% - 13.35% 12.16% 34.61%
8 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,690.00 26.83 ₹2.70 L Cr 0.07% - 12.58% 22.92% 15.16%
9 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 392.05 8.26 ₹2.48 L Cr 2.59% - 32.53% 7.26% 16.86%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue 3,667.00 Cr4,136.70 Cr4,259.10 Cr4,441.20 Cr-4,666.30 Cr4,738.60 Cr4,926.20 Cr
Cost of Revenue -2,548.10 Cr2,581.40 Cr2,699.80 Cr-2,729.30 Cr2,653.00 Cr2,788.70 Cr
Gross Profit -1,588.60 Cr1,677.70 Cr1,741.40 Cr-1,937.00 Cr2,085.60 Cr2,137.50 Cr
Operating Expenses 1,368.00 Cr319.00 Cr346.60 Cr363.40 Cr-371.70 Cr396.60 Cr397.00 Cr
Operating Income -1,269.60 Cr1,331.10 Cr1,378.00 Cr-1,565.30 Cr1,689.00 Cr1,740.50 Cr
EBITDA -1,318.20 Cr1,384.90 Cr1,429.40 Cr-1,616.50 Cr1,743.30 Cr1,795.30 Cr
Interest Expense 1,377.00 Cr-------
Pretax Income 882.00 Cr640.80 Cr704.20 Cr732.50 Cr-860.30 Cr1,011.20 Cr1,055.10 Cr
Tax Provision 229.32 Cr168.50 Cr173.30 Cr164.80 Cr-216.40 Cr260.60 Cr269.90 Cr
Net Income 656.00 Cr472.30 Cr530.90 Cr567.70 Cr-643.90 Cr750.60 Cr785.20 Cr
Diluted EPS 8.275.696.416.86-7.749.029.43

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2018Mar 2019Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 7,027.00 Cr8,725.00 Cr12,243.92 Cr13,946.26 Cr16,079.63 Cr18,143.35 Cr
Cost of Revenue --5,107.05 Cr5,491.77 Cr6,059.58 Cr6,790.66 Cr
Gross Profit --7,136.87 Cr8,454.49 Cr10,020.05 Cr11,352.69 Cr
Operating Expenses 3,096.00 Cr3,605.00 Cr1,227.23 Cr1,422.16 Cr1,579.82 Cr1,899.56 Cr
Operating Income --5,909.64 Cr7,032.33 Cr8,440.23 Cr9,453.13 Cr
EBITDA --4,783.76 Cr6,277.74 Cr6,671.84 Cr7,062.40 Cr
Interest Expense 2,449.00 Cr3,333.00 Cr2,044.52 Cr2,827.91 Cr3,549.62 Cr3,466.85 Cr
Pretax Income 1,436.00 Cr1,724.00 Cr2,627.40 Cr3,304.67 Cr2,927.80 Cr3,386.28 Cr
Tax Provision 502.60 Cr568.92 Cr668.05 Cr843.83 Cr751.88 Cr842.45 Cr
Net Income 933.00 Cr1,153.00 Cr1,959.35 Cr2,460.84 Cr2,175.92 Cr2,543.83 Cr
Diluted EPS 11.9214.6823.6229.6626.2930.88

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2018Mar 2019Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 45,447.00 Cr56,540.00 Cr70,050.39 Cr92,556.51 Cr1.09 L Cr1.24 L Cr
Current Assets --26,453.19 Cr35,801.16 Cr39,806.98 Cr47,159.19 Cr
Cash & Equivalents --395.90 Cr647.85 Cr950.46 Cr1,246.12 Cr
Inventory ------
Receivables --65.76 Cr124.61 Cr225.17 Cr295.95 Cr
Total Liabilities --58,613.43 Cr78,813.80 Cr92,843.54 Cr1.03 L Cr
Current Liabilities --22,739.49 Cr29,316.96 Cr41,252.94 Cr36,440.65 Cr
Long Term Debt --35,351.75 Cr48,763.23 Cr50,960.94 Cr64,997.28 Cr
Total Debt --54,865.31 Cr74,330.67 Cr89,682.37 Cr99,230.05 Cr
Total Equity 6,040.00 Cr7,179.00 Cr11,436.96 Cr13,742.71 Cr15,819.75 Cr20,664.05 Cr
Shares Outstanding --82.76 Cr82.76 Cr82.76 Cr83.03 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2018Mar 2019Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -8,186.00 Cr-8,991.00 Cr-6,850.61 Cr-16,736.04 Cr-13,626.33 Cr-8,605.56 Cr
Investing Cash Flow -49.00 Cr-181.00 Cr973.32 Cr-2,145.56 Cr1,159.02 Cr-1,772.09 Cr
Financing Cash Flow 8,226.00 Cr9,445.00 Cr5,795.99 Cr19,133.55 Cr12,769.92 Cr10,673.31 Cr
Capital Expenditure -51.00 Cr-48.00 Cr-111.32 Cr-123.35 Cr-209.79 Cr-143.61 Cr
Free Cash Flow -8,237.00 Cr-9,039.00 Cr-6,961.93 Cr-16,859.39 Cr-13,836.12 Cr-8,749.17 Cr
Net Change in Cash -8.00 Cr273.00 Cr-81.30 Cr251.95 Cr302.61 Cr295.66 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2018Mar 2019Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % --58.3%60.6%62.3%62.6%
Operating Margin % --48.3%50.4%52.5%52.1%
Net Margin % 13.3%13.2%16.0%17.6%13.5%14.0%
ROE % 15.4%16.1%17.1%17.9%13.8%12.3%
ROCE % --12.5%11.1%12.5%10.8%

Shareholding Pattern

Insiders
74.44%
Institutions
11.95%
Public Float
46.74%

Analyst View

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Latest News

Recent headlines for HDBFS

Google News Wed, 15 Jul 2026

HDB Financial Services Ltd (NSE:HDBFS) Q1 2027 Earnings Call Highlights: Record Profit and ... - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMimwFBVV95cUxPQ1ZkTGR2WWhONXhkUmcyRDlPN3FLX0xJYkFfV2czeG5zSjJVRXdPel9LV1NwQXRLR0pndFl5V0ZLZ1IySXJWNHFHeWZ3OVIwQ1pHQ3YzVzJxQVVPM2pmVjNqMDFWS01VdlR4a0NUWFJ0QUpIcjJQa3RZMXhITUdYY2tmVmFEQ1FMNzZnam…

Google News hu, 15 Oct 2026

HDB Financial shares fall 4% after Q2 results as brokerages cut targets - Business Standard

<a href="https://news.google.com/rss/articles/CBMi0wFBVV95cUxNeEdNTi1DcXJGb0x3aE5IYTh1UkhWRGFDZUlXWll5TmR2eDV1X21lWjZDXzg0OGxUWHlKSnJFYkZJVVdRY0J3SnNrQjBuaEtScm9rQTlkek1SQTFGUWd5MDR1UEJCRy1aOHEwZ0NGb2ZDeC0yZjlPZXB0Y2VCUkNhMWtiMmd5aW5ER28wYk…

Google News hu, 15 Oct 2026

HDB Financial Services shares fall further below issue price after 7% plunge on Q2 results - CNBC TV18

<a href="https://news.google.com/rss/articles/CBMi7wFBVV95cUxPVGRMX19YeG11M1cxUmRFTFlyVVFVM1V5UG9zMndQOWh5QlJ0Z2tIOWJ6djZSWHlHeDRWQlZVckg5UDJNVk5nNzJYVjNNNzZRcU55RHR3VWNMdEE2YV8wZ3NNMU5MSUR5TFNJQjNqZ04wOE5yMGxqVlFUZmV2SHgwRmUxQkV3UlEtendGNn…

Google News hu, 22 Oct 2026

HDB Financial Services ESOP Allotment: 1,21,300 Shares Issued - Kalkine India

<a href="https://news.google.com/rss/articles/CBMiygFBVV95cUxQSXVid1FKTU5YVC1BUW5NYzhEZU9qT2hwSnVXcWY2Nk9keThKWmhVeDV2bzl6VHMxRXdWSTViYWlySFFaeTFVc2R6SXNUbEJVc2NMSXV6cXdtZ0JmTVVXX0ZxVWJBcmlUTUdTX2VmNVRrOWh4WlRBR0V0OTBSOVpQQWFsWU1haGpjVmZ6SG…

Google News ue, 30 Jun 2026

ETFs Investing in HDB Financial Services Limited Stocks - TradingView

<a href="https://news.google.com/rss/articles/CBMiYEFVX3lxTFBGTm1nZE5seFRyV0dPMFU1cmxTaHFBVFg0SkJLdEV3T25DT3VrNGpsU25mQkNFbE1VNVU1ZzByQmVhY0U4MDBtRXNPaE9zVDhuSy0zVGd4WVBfOS13QzhXWg?oc=5" target="_blank">ETFs Investing in HDB Financial Servi…

Google News hu, 15 Oct 2026

HDB Financial Services (NSEI:HDBFS) Stock Price - Simply Wall Street

<a href="https://news.google.com/rss/articles/CBMiT0FVX3lxTE9YLWtlVnU4bGZzQXFIWGZTRC1sS1doUlc4NWM1VlUwbWh5cVYwUFZ2UEF6UVY5aExvQWNuTWc0XzhNbUg5ajQ5VzVGcGM1Sjg?oc=5" target="_blank">HDB Financial Services (NSEI:HDBFS) Stock Price</a>&nbsp;&nb…

HDBFS — Frequently Asked Questions

What is the current share price of HDB Financial Services Limited (HDBFS)?

As of 2026-10-23 04:58 IST, HDB Financial Services Limited (HDBFS) trades at ₹512.25 on NSE. Its 52-week range is ₹509.05 to ₹795.63.

What is the market capitalisation of HDBFS?

HDB Financial Services Limited (HDBFS) has a market capitalisation of ₹42,437.59 Cr on NSE.

What is the P/E ratio of HDBFS?

HDBFS trades at a trailing price-to-earnings (P/E) ratio of 15.44. The industry average P/E is 15.36. Its price-to-book (P/B) ratio is 2.37.

Does HDBFS pay a dividend?

HDB Financial Services Limited (HDBFS) currently offers a dividend yield of 0.68%.

What is the return on equity (ROE) of HDBFS?

HDBFS has a return on equity (ROE) of 12.31%. Its return on capital employed (ROCE) is 7.86%.

Is HDBFS a good stock to buy?

This page provides a data-driven analysis of HDB Financial Services Limited (HDBFS), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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