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

₹ 778 0.03%
03 Sep - 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 ₹ 64,540 Cr.
  • Current Price ₹ 778
  • High / Low ₹ 892 / 732
  • Stock P/E 29.7
  • Book Value ₹
  • Dividend Yield 0.00 %
  • ROCE 9.79 %
  • ROE 14.7 %
  • Face Value ₹ 10.0
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Pros

Cons

  • 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 IPO

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Dec 2024 Mar 2025
4,144 4,266
1,809 1,858
Operating Profit 2,334 2,408
OPM % 56% 56%
0 0
Interest 1,645 1,650
Depreciation 49 54
Profit before tax 641 704
Tax % 26% 25%
472 531
EPS in Rs
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Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2023 Mar 2024 Mar 2025
7,027 8,725 12,403 14,173 16,300
3,096 3,605 6,153 5,817 6,745
Operating Profit 3,931 5,120 6,250 8,356 9,555
OPM % 56% 59% 50% 59% 59%
-0 -0 1 1 0
Interest 2,449 3,333 3,512 4,907 6,433
Depreciation 45 62 112 145 194
Profit before tax 1,436 1,724 2,627 3,305 2,928
Tax % 35% 33% 25% 26% 26%
933 1,153 1,959 2,461 2,176
EPS in Rs
Dividend Payout % 13% 12% 8% 10% 11%
Compounded Sales Growth
10 Years: %
5 Years: %
3 Years: %
TTM: 15%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: -12%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: %
Return on Equity
10 Years: %
5 Years: %
3 Years: %
Last Year: 15%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2023 Mar 2024 Mar 2025
Equity Capital 783 786 791 793 796
Reserves 5,257 6,393 10,646 12,950 15,024
35,753 45,105 54,865 74,331 87,398
3,653 4,257 3,748 4,483 5,446
Total Liabilities 45,447 56,540 70,050 92,557 108,663
137 123 387 511 735
CWIP 0 0 0 0 0
Investments 402 568 1,243 3,380 2,060
44,908 55,849 68,420 88,665 105,868
Total Assets 45,447 56,540 70,050 92,557 108,663

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2023 Mar 2024 Mar 2025
-8,186 -8,991 -6,851 -16,736 -13,626
-49 -181 973 -2,146 1,159
8,226 9,445 5,796 19,134 12,770
Net Cash Flow -8 273 -81 252 303

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2018 Mar 2019 Mar 2023 Mar 2024 Mar 2025
Debtor Days 7 5 2 3 5
Inventory Days
Days Payable
Cash Conversion Cycle 7 5 2 3 5
Working Capital Days 2,125 2,125 -99 -108 -107
ROCE % 11% 11% 10%

Shareholding Pattern

Numbers in percentages

21 Recently
Jul 2025
74.19%
4.11%
5.16%
16.30%
0.23%
No. of Shareholders 25,32,278

* 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.

DRHP

Credit ratings

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