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HDB FINANCIAL SERVICES L HDBFS NIFTY_MIDNSEFINANCIAL

Financial Services · Credit Services · India
https://www.hdbfs.com
Company Profile ↓
₹682.70
-7.60% 1Y
Mkt Cap₹56,686.44 Cr
P/E22.11
P/B2.67
Div. Yield0.59%
52W High₹795.63
52W Low₹558.36
Book Value₹248.87
EPS (TTM)₹30.88

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.

Healthy Margins

Operating margin of 52.1% supports profitability.

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 +12.8%, earnings +16.9%.
  • 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:12.83%

Compounded Profit Growth

5 Years:9.09%
1 Year:16.91%

Stock Price Performance

1 Year:-7.60%
6 Months:+2.05%
3 Months:+9.14%
1 Month:+1.16%

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

Technical Snapshot Bearish
52-Week Range 52% of range
₹558.36 ₹795.63
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)46.94 · Neutral
Price Performance
1M+1.16%
3M+9.14%
6M+2.05%
1Y-7.60%
Valuation vs Sector

P/E of 22.11 is above the sector median of 19.62 — 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

  • Compounding revenue at 14.0% over 5 years.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

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

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Valuation

Stock P/E
22.11
Industry PE
19.62
Forward P/E
14.50
PEG Ratio
-
Book Value
₹248.87
Price to Book
2.67
P/S
5.95
EV/EBITDA
21.81
Dividend Yield
0.59%

Growth (CAGR)

Revenue 5Y
14.01%
Profit 5Y
9.09%
Revenue (YoY)
12.83%
Earnings (YoY)
16.91%

Profitability & Returns

ROCE
7.86%
ROE
12.31%
ROA
2.06%
Profit Margin
14.02%
Op Margin
52.10%
Gross Margin
62.57%
EPS (Latest Qtr)
₹9.43
EPS (TTM)
₹30.88

Balance Sheet & Liquidity

Debt/Equity
4.80
Quick Ratio
-
Current Ratio
1.29
Debt
₹99,230.05 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
-0.01%
FII / Inst Holding
13.07%
Chg in FII Hold
-0.00%

Financial Snapshot

Enterprise Value
₹56,686.44 Cr
Total Revenue (TTM)
₹18,143.35 Cr
EBITDA
₹7,062.40 Cr
Free Cash Flow
₹-8,749.17 Cr
Operating Cash Flow
₹-8,605.56 Cr
Shares Outstanding
₹83.03 Cr
Gross Margin
62.57%
Payout Ratio
11.96%

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 L NIFTY_MIDNSEFINANCIAL 682.70 22.11 ₹56,686.44 Cr 0.59% 7.86% 12.31% 14.01% 9.09%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 712.10 15.57 ₹10.96 L Cr 1.77% - 8.63% 16.90% 12.47%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.20 19.03 ₹10.19 L Cr 0.82% - 14.93% 18.11% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,016.10 11.15 ₹9.38 L Cr 1.60% - 13.97% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,060.50 34.76 ₹6.60 L Cr 0.47% - 16.68% 22.58% 18.23%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 415.35 9.14 ₹5.25 L Cr 2.58% - 32.53% 7.26% 16.86%
7 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 424.50 21.89 ₹4.22 L Cr 0.16% - 10.64% 13.48% 8.92%
8 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,273.00 15.07 ₹3.96 L Cr 0.08% - 12.27% 12.16% 34.61%
9 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,970.00 32.30 ₹3.15 L Cr 0.06% - 12.58% 22.92% 15.16%
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
13.07%
Public Float
51.15%

Analyst View

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Latest News

Recent headlines for HDBFS

Google News Sat, 15 Aug 2026

HDB Financial Services Insiders Sold ₹127m Of Shares Suggesting Hesitancy - simplywall.st

<a href="https://news.google.com/rss/articles/CBMi8gFBVV95cUxPaGtnTVFXSXlsTTFfc20tYkF1d1RIZzhlUDU5ZWJ4d09GVHF5OGdRbHRURHI0NS1QLWFwdUREbEExWWFrM1BLSUc0TlBqazFpeFgxWlBLbnMwZ0RiN25hUnE1empRM3ZSb2p5Z1BTb09XRmdTU2RaeHZzdVdzdzdLMkktcGVqdmJQWTNxeW…

Google News ue, 13 Jan 2026

HDBFS Stock Price and Chart — NSE:HDBFS - TradingView

<a href="https://news.google.com/rss/articles/CBMiWkFVX3lxTE16dHVnLVNkSnhUVFVIVzJnNUo4blp4TVhYc0NGSU9PV25JRmJ4cklrRTY5MEhoaHI3Mm5LS3R0bU5UTmg4MWs4YkEwXzduaXdBM2tNbWdpZ3M1dw?oc=5" target="_blank">HDBFS Stock Price and Chart — NSE:HDBFS</a>&n…

Google News Mon, 29 Jun 2026

HDB Financial Services Gains 1.17% – Nears Key Resistance Level at ₹789.86 - High Low Breadth - vinanet.vn

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Google News hu, 20 Aug 2026

HDB Financial Services rises after brokerage upgrades stock to 'overweight' - Business Standard

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Google News hu, 16 Apr 2026

HDB Financial Services stock jumps nearly 10% after Q4 profit beat; brokerages cite improving asset... - Moneycontrol.com

<a href="https://news.google.com/rss/articles/CBMi_gFBVV95cUxNajlkVUUtSmJZWWl0WUxFN3V0R0M5R0MyTzVZc3hRWlFNY3B2UkRrVFpHcXpkZVRpOGhsNFRob1RfUHRsYmllZnVvdEYzRXNMVm9xcGRFQXAzXzJtd2hqMlZVdG9sRzNPSTlzTW11a1l0MjZiSDFQaEVlWjd1SW5NTDNyd2VQRGlsTWE2Zk…

Google News hu, 16 Apr 2026

HDBFS shares jump 12% post Q4 results, brokerages see steady growth - BusinessLine

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HDBFS — Frequently Asked Questions

What is the current share price of HDB FINANCIAL SERVICES L (HDBFS)?

As of 2026-09-08 04:53 IST, HDB FINANCIAL SERVICES L (HDBFS) trades at ₹682.70 on NSE. Its 52-week range is ₹558.36 to ₹795.63.

What is the market capitalisation of HDBFS?

HDB FINANCIAL SERVICES L (HDBFS) has a market capitalisation of ₹56,686.44 Cr on NSE.

What is the P/E ratio of HDBFS?

HDBFS trades at a trailing price-to-earnings (P/E) ratio of 22.11. The industry average P/E is 19.62. Its price-to-book (P/B) ratio is 2.67.

Does HDBFS pay a dividend?

HDB FINANCIAL SERVICES L (HDBFS) currently offers a dividend yield of 0.59%.

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 L (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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