HDB Financial Services Ltd (HDBFS)
₹498.55
Mkt cap
₹41,425 Cr
P/E ratio
14.00
P/B
1.87
Div yield
0.80%
ROE
13.90%
ROCE
9.09%
EPS (TTM)
₹35.61
Book value
₹267
52W range
494–797
Sector
Financial Services
Price history
Previous close
Incorporated in 2007, HDB Financial Services Limited (HDBFS) is a non-deposit-taking NBFC and a subsidiary of HDFC Bank engaged in providing lending solutions. [1]
NSE HDBFSBSE 544429
Health check
Cautious
ValuationCheap
ProfitabilityWeak
TechnicalsBearish
52-week range
−37.42% from high₹499
₹494+0.89% from low₹797
Current
₹498.55
Prev close
₹499.60
Day
−0.21%
Price performance
1D
−0.13%
1W
−1.17%
1M
−20.91%
3M
−26.73%
6M
−25.28%
1Y
−32.93%
YTD
−35.27%
Financials
Revenue, profit & margin
P/E ratio
14.0×
HDBFS is 24% below the sector median of 18.4×
HDBFS14.0×
Sector median18.4×
| Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 | Trend | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3,667 | 3,884 | 4,007 | 4,144 | 4,266 | 4,465 | 4,545 | 4,674 | 4,745 | 4,938 | 5,005 | |
| Interest | 1,377 | 1,496 | 1,598 | 1,645 | 1,650 | 1,740 | 1,694 | 1,704 | 1,682 | 1,753 | 1,817 | |
| Expenses | 1,368 | 1,560 | 1,561 | 1,809 | 1,858 | 1,942 | 2,017 | 2,058 | 1,997 | 2,075 | 2,087 | |
| Financing Profit | 922 | 828 | 847 | 689 | 758 | 784 | 835 | 912 | 1,066 | 1,110 | 1,101 | |
| Financing Margin % | 25% | 21% | 21% | 17% | 18% | 18% | 18% | 20% | 22% | 22% | 22% | |
| Other Income | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | |
| Depreciation | 40 | 44 | 48 | 49 | 54 | 51 | 52 | 51 | 54 | 55 | 57 | |
| Profit before tax | 882 | 784 | 799 | 641 | 704 | 732 | 782 | 860 | 1,011 | 1,055 | 1,044 | |
| Tax % | 26% | 26% | 26% | 26% | 25% | 22% | 26% | 25% | 26% | 26% | 25% | |
| Net Profit | 656 | 582 | 591 | 472 | 531 | 568 | 581 | 644 | 751 | 785 | 780 | |
| EPS in Rs | 8.27 | 7.33 | 7.44 | 5.95 | 6.67 | 6.84 | 7.01 | 7.76 | 9.04 | 9.46 | 9.39 | |
| Gross NPA % | 1.90% | 2.10% | 2.25% | 2.26% | 2.56% | 2.81% | 2.81% | 2.44% | ||||
| Net NPA % | 0.90% | 0.99% | 1.11% | 1.27% | 1.25% | 1.09% | 1.04% | |||||
| Raw PDF |
Earnings
Results dates & reactionsNo upcoming results date on calendar.
Fresh quarters land in the Financials table above, tagged NSE until screener catches up.
Avg earnings-day move −0.80% · closed higher next day 1 of last 6
| Q1FY26 | Q2FY26† | Q3FY26† | Q4FY26 | Q1FY27 | Q2FY27 | |
|---|---|---|---|---|---|---|
| Broadcast | 15 Jul '25◦ | 15 Oct '25◦ | 14 Jan '26◦ | 15 Apr '26◦ | 15 Jul '26◦ | 14 Oct '26◦ |
| Earnings day | −3.14% | −0.80% | +0.24% | +6.47% | +0.07% | −7.65% |
| +1 day | −4.33% | −1.78% | −1.22% | +5.85% | −2.55% | −12.19% |
| +5 days | −4.87% | −1.39% | −8.98% | +2.30% | −7.92% | −13.52% |
| +15 days | −12.28% | −1.55% | −4.95% | +8.59% | −10.22% | — |
| +30 days | −7.49% | +0.12% | −8.36% | +2.44% | −8.85% | — |
| Filing | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL |
Corporate actions
Last 6 months| Kind | Value | Ex-date | Record |
|---|---|---|---|
| dividend Interim Dividend - Rs 2 Per Share | 2.00 | 23 Oct '26 | 23 Oct '26 |
| dividend Dividend - Rs 2 Per Share | 2.00 | 18 Jun '26 | 18 Jun '26 |
Shareholding
as of Sep 202674.08%Promoter
Promoters74.08%0.04
FIIs4.04%0.49
DIIs11.95%0.15
Public9.70%0.30
Ownership trend
Peers
8 companiesValuation vs quality
P/E × ROCE · bubble = market cap| Name | CMP | P/E | Mkt Cap | Div Yld | NP Qtr | Qtr Profit Var | Sales Qtr | Qtr Sales Var | ROCE |
|---|---|---|---|---|---|---|---|---|---|
| Bajaj Finance | ₹939.10 | 26.73 | 5,84,679 | 0.58% | 6,367 | +28.53% | 24,546 | +22.79% | 10.87% |
| Shriram Finance | ₹823.15 | 15.27 | 1,93,694 | 1.31% | 3,684 | +59.18% | 13,792 | +15.78% | 11.49% |
| Tata Capital | ₹319.90 | 22.64 | 1,35,793 | 0.18% | 1,832 | +51.27% | 9,342 | +20.74% | 8.58% |
| Cholaman.Inv.&Fn | ₹1,586.00 | 21.78 | 1,35,517 | 0.13% | 1,630 | +40.59% | 9,271 | +23.75% | 9.71% |
| Muthoot Finance | ₹2,408.60 | 7.93 | 96,698 | 1.25% | 3,278 | +34.12% | 9,998 | +37.28% | 15.80% |
| L&T Finance Ltd | ₹244.40 | 17.79 | 61,256 | 1.13% | 973 | +32.70% | 5,484 | +26.49% | 8.40% |
| SBI Cards | ₹525.00 | 19.16 | 49,962 | 0.48% | 778 | +74.83% | 5,141 | +3.62% | 10.10% |
| HDB FINANC SER | ₹498.55 | 14.00 | 41,425 | 0.80% | 780 | +34.19% | 5,005 | +10.12% | 9.09% |
| Median: 104 Co. | ₹130.87 | 18.42 | 496 | 0.00% | 11 | +40.59% | 49 | +26.49% | 9.46% |
Filings
Annual reports1
Concall transcripts16
Credit ratings6
Announcements5
Shareholder Meeting / Postal Ballot-Notice of Postal Ballot 26 OctAnnouncement under Regulation 30 (LODR)-Change in Directorate 22 Oct - Board approved reappointment of two independent directors and appointment of Jimmy Tata from October 22, 2026.Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS 22 OctAnnouncement under Regulation 30 (LODR)-Earnings Call Transcript 20 OctAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome 14 Oct - Audio recording of Q2 FY2026 earnings call made available on HDB Financial Services website.