WEBSITE BSE:544429 NSE: HDBFS Inc. Year: 2007 Industry: Finance - NBFC My Bucket: Add Stock
Last updated: 15:59
HDB Financial Services Ltd. (HDBFS) is one of India\\\'s prominent non-banking financial companies (NBFC) and a subsidiary of HDFC Bank, one of the leading and trusted financial institutions in India. HDBFS is a well-established organisation that started operating in 2007 and offers a diversified portfolio of financial products and services for individuals, self-employed professionals and micro, small & medium enterprises (MSMEs). The company serves its clients through a customer-first, technology-enabled lending model that focuses on respons...Read More
HDB Financial Services Ltd. (HDBFS) is one of India\\\'s prominent non-banking financial companies (NBFC) and a subsidiary of HDFC Bank, one of the leading and trusted financial institutions in India. HDBFS is a well-established organisation that started operating in 2007 and offers a diversified portfolio of financial products and services for individuals, self-employed professionals and micro, small & medium enterprises (MSMEs). The company serves its clients through a customer-first, technology-enabled lending model that focuses on responsible credit and excellent service. With strong pan-India coverage, HDBFS serves retail and commercial borrowers with loans such as: Secured & Unsecured loans, Gold loans, Consumer Durable loans, Enterprise Business loans, Loan Against Property Asset Financing (Including auto & equipment loans), BPO Services through its collections and backend support vertical With the credibility and governance of HDFC Bank behind it, HDBFS is supported by a strong financial profile, which is based upon a prudent risk management structure, diversification of revenue streams, and a broad customer base in urban and semi-urban markets. As credit demand continues to rise in India, especially retail and MSME, HDBFS is in a favorable position in the NBFC ecosystem with a scalable, technology-enabled lending product. ...Read Less
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Market Cap ₹56027 Cr.
Stock P/E 25.7
P/B 3.6
Current Price ₹674.8
Book Value ₹ 189.7
Face Value 10
52W High ₹891.7
Dividend Yield 0.59%
52W Low ₹ 557
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) |
|---|
| Operating Revenue |
| Other Income |
| Total Income |
| Total Expenditure |
| Operating Profit |
| Interest Expense |
| Depreciation |
| Profit Before Tax |
| Provision for Tax |
| Profit After Tax |
| Adjustments |
| Profit After Adjustments |
| Adjusted Earnings Per Share |
| #(Fig in Cr.) | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 7027 | 8725 | 10756 | 10945 | 11306 | 12403 | 14173 | 16300 | |
| Other Income | 0 | 5 | 0 | 28 | 21 | 22 | 1 | 1 | |
| Total Income | 7027 | 8730 | 10757 | 10973 | 11327 | 12425 | 14174 | 16302 | |
| Total Expenditure | 3097 | 3610 | 5101 | 6456 | 6536 | 6153 | 5817 | 6746 | |
| Operating Profit | 3930 | 5119 | 5656 | 4517 | 4792 | 6272 | 8357 | 9556 | |
| Interest Expense | 2449 | 3333 | 4081 | 3908 | 3345 | 3533 | 4907 | 6433 | |
| Depreciation | 45 | 62 | 110 | 108 | 99 | 112 | 145 | 194 | |
| Profit Before Tax | 1436 | 1724 | 1464 | 501 | 1348 | 2627 | 3305 | 2928 | |
| Provision for Tax | 503 | 571 | 460 | 109 | 336 | 668 | 844 | 752 | |
| Profit After Tax | 933 | 1153 | 1005 | 391 | 1011 | 1959 | 2461 | 2176 | |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Profit After Adjustments | 933 | 1153 | 1005 | 391 | 1011 | 1959 | 2461 | 2176 | |
| Adjusted Earnings Per Share | 11.9 | 14.7 | 12.8 | 5 | 12.8 | 24.8 | 31 | 27.3 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 15% | 13% | 9% | 0% |
| Operating Profit CAGR | 14% | 26% | 11% | 0% |
| PAT CAGR | -12% | 29% | 17% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | NA% | NA% | NA% | NA% |
| ROE Average | 15% | 18% | 14% | 14% |
| ROCE Average | 10% | 10% | 9% | 10% |
| #(Fig in Cr.) | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 6040 | 7178 | 8018 | 8446 | 9540 | 11437 | 13743 | 15820 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Borrowings | 22169 | 29135 | 31914 | 34875 | 31618 | 35352 | 48763 | 50961 |
| Current Liability | 16364 | 20130 | 21081 | 19328 | 21557 | 23766 | 30653 | 42533 |
| Other Liabilities & Provisions | 577 | -19 | -5 | -139 | -637 | -479 | -206 | -240 |
| Total Liabilities | 45151 | 56424 | 61008 | 62510 | 62078 | 70076 | 92952 | 109074 |
| Loans | 31351 | 36556 | 39416 | 40101 | 35863 | 41964 | 55245 | 67075 |
| Investments | 1 | 1 | 1 | 138 | 89 | 58 | 40 | 16 |
| Fixed Assets | 137 | 123 | 348 | 270 | 244 | 333 | 185 | 275 |
| Other Loans | 26 | 26 | 32 | 29 | 252 | 73 | 67 | 71 |
| Other Non Current Assets | 0 | 43 | 16 | 13 | 167 | 3 | 280 | 535 |
| Current Assets | 13636 | 19674 | 21194 | 21960 | 25464 | 27645 | 37137 | 41101 |
| Total Assets | 45151 | 56424 | 61008 | 62510 | 62078 | 70076 | 92952 | 109074 |
| #(Fig in Cr.) | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 70 | 62 | 335 | 356 | 754 | 477 | 396 | 648 |
| Cash Flow from Operating Activities | -8186 | -8991 | -3032 | -342 | 1957 | -6851 | -16736 | -13626 |
| Cash Flow from Investing Activities | -49 | -181 | -1204 | 131 | -703 | 973 | -2146 | 1159 |
| Cash Flow from Financing Activities | 8226 | 9445 | 4257 | 608 | -1500 | 5796 | 19134 | 12770 |
| Net Cash Inflow / Outflow | -8 | 273 | 21 | 398 | -246 | -81 | 252 | 303 |
| Closing Cash & Cash Equivalent | 62 | 335 | 356 | 754 | 508 | 396 | 648 | 950 |
| # | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 11.92 | 14.68 | 12.76 | 4.96 | 12.8 | 24.76 | 31.03 | 27.34 |
| CEPS(Rs) | 12.5 | 15.47 | 14.15 | 6.33 | 14.05 | 26.17 | 32.86 | 29.79 |
| DPS(Rs) | 1.6 | 1.8 | 0 | 0 | 1 | 1.1 | 3 | 3 |
| Book NAV/Share(Rs) | 76.86 | 90.88 | 101.18 | 106.23 | 120.24 | 144.02 | 172.41 | 197.47 |
| Net Profit Margin | 13.28 | 13.22 | 9.34 | 3.58 | 8.95 | 15.8 | 17.36 | 13.35 |
| Operating Margin | 55.29 | 57.97 | 51.56 | 40.29 | 41.51 | 49.67 | 57.94 | 57.43 |
| PBT Margin | 20.44 | 19.76 | 13.61 | 4.57 | 11.92 | 21.18 | 23.32 | 17.96 |
| ROA(%) | 2.07 | 2.27 | 1.71 | 0.63 | 1.62 | 2.97 | 3.02 | 2.15 |
| ROE(%) | 15.51 | 17.53 | 13.3 | 4.79 | 11.31 | 18.75 | 19.63 | 14.81 |
| ROCE(%) | 9.3 | 10.75 | 10.07 | 7.56 | 8 | 9.87 | 10.64 | 9.79 |
| Price/Earnings(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Price/Book(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EV/Net Sales(x) | 5.18 | 5.2 | 4.65 | 4.58 | 4.34 | 4.43 | 5.25 | 5.35 |
| EV/Core EBITDA(x) | 9.26 | 8.87 | 8.85 | 11.11 | 10.25 | 8.77 | 8.91 | 9.13 |
| Interest Earned Growth(%) | 0 | 24.16 | 23.29 | 1.75 | 3.3 | 9.7 | 14.27 | 15.01 |
| Net Profit Growth | 0 | 23.6 | -12.87 | -61.04 | 158.36 | 93.73 | 25.59 | -11.58 |
| EPS Growth(%) | 0 | 23.17 | -13.08 | -61.12 | 157.95 | 93.49 | 25.33 | -11.88 |
| Interest Coverage(x) % | 1.59 | 1.52 | 1.36 | 1.13 | 1.4 | 1.74 | 1.67 | 1.46 |
| # | Jun 2025 | Jul 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Promoter | 74.19 | 74.19 | 74.19 | 74.15 | 74.12 |
| FII | 4.11 | 4.11 | 3.17 | 3.32 | 3.01 |
| DII | 4.85 | 4.85 | 10.92 | 11.4 | 12.28 |
| Public | 16.85 | 16.85 | 11.72 | 11.13 | 10.59 |
| Others | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 |
| # | Jun 2025 | Jul 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Promoter | 61.55 | 61.55 | 61.55 | 61.55 | 61.55 |
| FII | 3.41 | 3.41 | 2.63 | 2.75 | 2.5 |
| DII | 4.03 | 4.03 | 9.06 | 9.46 | 10.2 |
| Public | 13.98 | 13.98 | 9.72 | 9.24 | 8.79 |
| Others | 0 | 0 | 0 | 0 | 0 |
| Total | 82.96 | 82.96 | 82.96 | 83 | 83.03 |
* The pros and cons are machine generated.
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