HDB Financial Services Ltd

HDB FINANC SER Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

HDB Financial Services Ltd

₹ 757 -1.19%
15 Dec - close price
hdbfs.com BSE: 544429 NSE: HDBFS
About

Incorporated in 2007, HDB Financial Services Ltd is in the business of lending and providing BPO services[1]One of the largest retail-focused non-banking financial company, its[2] lending products are offered throughour three business verticals: Enterprise Lending, Asset Finance and Consumer Finance

Key Points

Business Overview:[1]
HDBFSL is a non-banking finance company with 1,771 branches across 1,170 cities in India. Alongside its core lending business, it distributes insurance products for HDFC Ergo and HDFC Life. The company also offers BPO services to HDFC Bank, managing collections, back-office operations, and sales support.

Website BSE NSE
  • Market Cap ₹ 62,819 Cr.
  • Current Price ₹ 757
  • High / Low ₹ 892 / 705
  • Stock P/E 29.2
  • Book Value ₹ 233
  • Dividend Yield 0.26 %
  • ROCE 9.79 %
  • ROE 14.7 %
  • Face Value ₹ 10.0
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Pros

Cons

  • Stock is trading at 3.25 times its book value
  • Company has low interest coverage ratio.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

Part of BSE MidCap BSE IPO BSE Allcap BSE Financial Services

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
3,884 4,007 4,144 4,266 4,465 4,545
1,560 1,561 1,809 1,858 1,942 2,017
Operating Profit 2,324 2,446 2,334 2,408 2,524 2,529
OPM % 60% 61% 56% 56% 57% 56%
0 0 0 0 0 0
Interest 1,496 1,598 1,645 1,650 1,740 1,694
Depreciation 44 48 49 54 51 52
Profit before tax 784 799 641 704 732 782
Tax % 26% 26% 26% 25% 22% 26%
582 591 472 531 568 581
EPS in Rs 7.33 7.44 5.95 6.67 6.84 7.01
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Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
10,945 11,312 12,403 14,173 16,300 17,420
6,451 6,540 6,153 5,817 6,745 7,626
Operating Profit 4,493 4,772 6,250 8,356 9,555 9,795
OPM % 41% 42% 50% 59% 59% 56%
-2 0 1 1 0 0
Interest 3,883 3,326 3,512 4,907 6,433 6,729
Depreciation 108 99 112 145 194 206
Profit before tax 501 1,348 2,627 3,305 2,928 2,860
Tax % 22% 25% 25% 26% 26%
391 1,011 1,959 2,461 2,176 2,152
EPS in Rs 4.96 12.80 24.76 31.03 27.34 26.47
Dividend Payout % 0% 8% 8% 10% 11%
Compounded Sales Growth
10 Years: %
5 Years: %
3 Years: 13%
TTM: 15%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: 29%
TTM: -12%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: %
Return on Equity
10 Years: %
5 Years: %
3 Years: 17%
Last Year: 15%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Sep 2025
Equity Capital 789 790 791 793 796 830
Reserves 7,657 8,749 10,646 12,950 15,024 18,509
50,359 48,973 54,865 74,331 87,398 90,541
3,836 3,513 3,748 4,483 5,446 4,895
Total Liabilities 62,641 62,026 70,050 92,557 108,663 114,774
317 293 387 511 735 743
CWIP 0 0 0 0 0 0
Investments 1,593 2,234 1,243 3,380 2,060 3,076
60,731 59,500 68,420 88,665 105,868 110,955
Total Assets 62,641 62,026 70,050 92,557 108,663 114,774

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-342 1,987 -6,851 -16,736 -13,626
131 -703 973 -2,146 1,159
608 -1,500 5,796 19,134 12,770
Net Cash Flow 398 -216 -81 252 303

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Debtor Days 4 5 2 3 5
Inventory Days
Days Payable
Cash Conversion Cycle 4 5 2 3 5
Working Capital Days -114 -94 -99 -108 -107
ROCE % 8% 10% 11% 10%

Shareholding Pattern

Numbers in percentages

52 Recently
Sep 2025
74.19%
3.17%
10.93%
11.48%
0.23%
No. of Shareholders 11,57,250

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

Announcements

Annual reports

No data available.

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Credit ratings

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