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HDB Financial Services

HDBFS
Mid Cap
(%) 1D
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1D1W1M3M6M1YMAX

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HDB Financial Services Share price and Fundamental Analysis

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HDB Financial Services Limited is one of the leading, diversified retail-focused non-banking financial companies (NBFCs) in India in terms of Total Gross Loan Book Size. The Company is categorized as an Upper Layer NBFC (NBFC-UL) by the RBI. It provides lending services and business process outsourcing services. It also provides services related to the marketing and promotion of various financial products.
Company Incorporation2007
ChairmanArijit Basu
Head QuartersMumbai
Previous NameNA

Key Metrics

Market Cap (Cr)
66,746
PE Ratio
30.87
Industry P/E
32.78
PEG Ratio
0
ROE
13.75%
ROCE
8.99%
ROA
0%
Total Debt (Cr)
Debt to Equity
Dividend Yield
0.36%
EPS
26.06
Book Value & P/B
220.84 x 3.64
Face Value
10
Outstanding Shares(Cr)
82.96
Current Ratio
EV to Sales
9.07

Included In

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Stock Returns

1 Week-4.2%
1 Month-4.3%
6 Months-4.3%
1 Year-4.3%
3 Years-4.3%
5 Years-4.3%
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Corporate Action

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Jul 25

Promoters : 741.91%

FIIs : 41.08%

DIIs : 45.35%

Public : -728.34%

Promoter
FII/FPI
DII
Public
Promoter Shareholding Increased by 647.59% to 741.91% in July 2025 Qtr
FII Shareholding Increased by 41.08% to 41.08% in July 2025 Qtr
DII Shareholding Increased by 45.35% to 45.35% in July 2025 Qtr

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ROE

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Dividend History

HDB Financial Services Competitors

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HDB Financial Services Management and History

Company Management

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Company History

HDB Financial Services Limited is one of the leading, diversified retail-focused non-banking financial companies (NBFCs) in India in terms of Total Gross Loan Book Size. The Company is categorized as an Upper Layer NBFC (NBFC-UL) by the RBI. It provides lending services and business process outsourcing services. It also provides services related to the marketing and promotion of various financial products.

The Company was incorporated dated June 4, 2007 issued by the Registrar of Companies, Gujarat, Dadra and Nagar Haveli at Ahmedabad. The Company began its journey in 2007 as a subsidiary of HDFC Bank Limited. In 2008, the Company opened its first branch in Chennai, Tamil Nadu. It introduced commercial vehicle loan and loans against gold in in 2010. The branch network increased to 100 across India in 2011; it launched auto loans; introduced commercial equipment loans in 2012. The branch network increased to 500 in 2015 and to 1000 in 2016.

In 2016, it launched consumer durables loans in Tamil Nadu. In 2017, it introduced tractor finance loans in the states of Punjab, Haryana, Rajasthan, Uttar Pradesh, Madhya Pradesh, Gujarat and Maharashtra. Further, it launched digital product loans. In 2018, it introduced two wheeler loans, introduced micro finance loans in 2020; launched lifestyle finance loans in 2021; the branch network increased to 1500 across India in 2023.

The lending products are offered through three business verticals: Enterprise Lending, Asset Finance and Consumer Finance. Apart from these, if provide business process outsourcing services such as back-office support services, collection and sales support services to Promoters as well as fee-based products such as distribution of insurance products primarily to their lending customers.

The Company is planning to come out with an Initial Public Offer by raising funds aggregating the Offer Size upto Rs 12500 Crore Equity Shares of Face Value of Rs 10/- each, consisting Rs 2500 Crore Equity Shares through Fresh Issue and Rs 10000 Crore Equity Shares through Offer for Sale.

HDB Financial Services Share Price

HDB Financial Services share price reflects investor sentiment toward the company and is impacted by various factors such as financial performance, market trends, and economic conditions. Share price is an indicator which shows the current value of the company's shares at which buyers or sellers can transact.

HDB Financial Services Market Cap

Market capitalization of HDB Financial Services indicates the total value of its outstanding shares. Marketcap is calculated by multiplying share price and outstanding shares of the company. It is a helpful metric for assessing the company's size and market Valuation. It also helps investors understand how HDB Financial Services is valued compared to its competitors.

HDB Financial Services PE Ratio

HDB Financial Services PE ratio helps investors understand what is the market value of each stock compared to HDB Financial Services 's earnings. A PE ratio higher than the average industry PE could indicate an overvaluation of the stock, whereas a lower PE compared to the average industry PE could indicate an undervaluation.

HDB Financial Services PEG Ratio

The PEG ratio of HDB Financial Services evaluates its PE ratio in relation to its growth rate. A PEG ratio of 1 indicates a fair value, a PEG ratio of less than 1 indicates undervaluation, and a PEG ratio of more than 1 indicates overvaluation.

HDB Financial Services ROE (Return on Equity)

Return on Equity (ROE) measures how effectively HDB Financial Services generates profit from shareholders' equity. A higher ROE of more than 20% indicates better financial performance in terms of profitability.

HDB Financial Services ROCE (Return on Capital Employed)

Return on Capital Employed (ROCE) evaluates the profitability of HDB Financial Services in relation to its capital employed. In simple terms, ROCE provides insight to investors as to how well the company is utilizing the capital deployed. A high ROCE of more than 20% shows that the business is making profitable use of its capital.

HDB Financial Services Total Debt

Total debt of HDB Financial Services shows how much the company owes to either banks or individual creditors. In simple terms, this is the amount the company has to repay. Total debt can be a very useful metric to show the financial health of the company. Total debt more than equity is considered to be a bad sign.

HDB Financial Services Debt to Equity Ratio

The Debt-to-Equity (DE) ratio of HDB Financial Services compares its total debt to shareholders' equity. A higher Debt to Equity ratio could indicate higher financial risk, while a lower ratio suggests that the company is managing its debt efficiently.

HDB Financial Services CAGR (Compound Annual Growth Rate)

CAGR shows the consistent growth rate of HDB Financial Services over a specific period, whether it is over a month, a year, or 10 years. It is a key metric to evaluate the company’s long-term growth potential. Main metrics for which CAGR is calculated are net sales, net profit, operating profit, and stock returns.

HDB Financial Services Technical Analysis

Technical analysis of HDB Financial Services helps investors get an insight into when they can enter or exit the stock. Key components of HDB Financial Services Technical Analysis include:

Support Levels (S1, S2, S3)

There are usually multiple support levels, but the main support levels for a stock are S1, S2, S3. Support levels indicate price points where stock might get support from buyers, helping the stock stop falling and rise.

Resistance Levels (R1, R2, R3)

There are usually multiple resistance levels, but the main resistance levels for a stock are R1, R2, R3. Resistance levels represent price points where HDB Financial Services shares often struggle to rise above due to selling pressure.

HDB Financial Services Dividends

Dividends refer to the portion of the company’s profits distributed to its shareholders. Dividends are typically paid out in cash and reflect HDB Financial Services ’s financial health and profitability.

HDB Financial Services Bonus Shares

Bonus shares are usually given by companies to make the stock more affordable, increase liquidity, boost investor confidence, and more.

HDB Financial Services Stock Split

Stock split increases the number of its outstanding shares by dividing each existing share into multiple shares. When the company offers a stock split, the face value of the stock reduces in the same proportion as the split ratio.

HDB Financial Services Financials

The financials of HDB Financial Services provide a complete view to investors about its net sales, net profit, operating profits, expenses, and overall financial health. Investors can analyze financial data to assess the company’s stability and also understand how the company has been growing financially.

HDB Financial Services Profit and Loss Statements

The profit and loss statement of HDB Financial Services highlights its net sales, net profit, total expenditure, and operating profits in the current financial year. This Profit and Loss statement is crucial for evaluating the profitability and financial stability of HDB Financial Services .

HDB Financial Services Balance Sheet

The balance sheet presents a snapshot of HDB Financial Services ’s assets, liabilities, and equity of shareholders, providing insights into the financials of the company.

HDB Financial Services Cashflow Statements

Cashflow statements track the company's cash inflows and outflows over a period. It is an essential tool for understanding how well the company manages its liquidity and finances.

HDB Financial Services Net Interest Margin (NIM)

HDB Financial Services Net Interest Margin (NIM) tells about the profitability earned by all NBFCs and financial institutions. It represents the income generated by the bank from the difference between the interest earned on loans and the interest paid on public deposits. Net Interest Margin (NIM) is a metric that monitors the profitability generated from a bank's lending activities.

HDB Financial Services Non-Performing Assets (NPA) Ratio

Non-Performing Assets (NPA) indicate the ratio of a bank's loans that are classified as non-performing. A lower NPA ratio reflects stronger asset quality and more effective risk management.

HDB Financial Services Capital Adequacy Ratio (CAR)

Capital Adequacy Ratio (CAR) is a metric to measure the bank's ability to absorb losses and still remain financially stable. A higher CAR shows that the bank is financially sound and can absorb potential losses.

HDB Financial Services Gross NPA

Gross NPA is the percentage of total non-performing loans before provisioning, while net NPA is the percentage after provisioning. Lower gross and net NPA ratios indicate better loan quality.

HDB Financial Services Net NPA Ratio

Net NPA is the actual losses a bank has incurred due to NPA accounts. Lower the NPA, better the banks can maintain stable income from interest on loans.

HDB Financial Services CASA Ratio

CASA ratio tells how much of a bank's total deposits are in both current and savings accounts.