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HDB Financial Services Ltd

HDBFS·NSE
674.55-0.94%Tue, 22 Sept '26 15:58

HDB Financial Services Ltd

HDBFS
NSE
674.55
-0.94%
|Tue, 22 Sept '26 15:58
SOICxStockScans Reports
6M
Price
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Quick Ratios

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Mkt Cap
Market Capitalization
56,180Cr
Close
Close Price
676.25
Industry
Industry
Conglomerate Backed NBFC
PE
Price To Earnings
20.33
PS
Price To Sales
2.97
Revenue
Revenue
18,902Cr
Rev Gr TTM
Revenue Growth TTM
11.97%
PAT Gr TTM
PAT Growth TTM
27.72%

Quarterly Results

Consolidated
Standalone
Numbers
Percentage
QuarterSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
RevenueCr
3,5163,6023,6673,8844,0074,1444,2664,4654,5454,6744,7454,938
Growth YoY
Revenue Growth YoY%
15.314.213.914.714.015.016.315.013.412.811.210.6
Interest Expended
Interest ExpendedCr
1,1591,2561,3771,4961,5991,6451,6511,7401,6941,7041,6831,753
Expenses
ExpensesCr
1,5141,4531,3681,5601,5611,8091,8581,9422,0172,0581,9972,075
Financing Profit
Financing ProfitCr
8428949228288476897587848359121,0661,110
FPM
FPM%
24.024.825.121.321.116.617.817.618.419.522.422.5
Other Income
Other IncomeCr
000000000000
Depreciation
DepreciationCr
353840444849545152515455
PBT
PBTCr
8078568827847996417047337828601,0111,055
Tax
TaxCr
206219226202208169173165201216261270
PAT
PATCr
601637656582591472531568581644751785
Growth YoY
PAT Growth YoY%
27.527.020.32.6-1.6-25.8-19.1-2.4-1.636.341.438.3
NPM
NPM%
17.117.717.915.014.811.412.412.712.813.815.815.9
EPS
EPS
7.68.08.37.37.56.06.77.17.07.89.09.5
QuarterSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
RevenueCr
3,5163,6023,6673,8844,0074,1444,2664,4654,5454,6744,7454,938
Growth YoY
Revenue Growth YoY%
15.314.213.914.714.015.016.315.013.412.811.210.6
Interest Expended
Interest ExpendedCr
1,1591,2561,3771,4961,5991,6451,6511,7401,6941,7041,6831,753
Expenses
ExpensesCr
1,5141,4531,3681,5601,5611,8091,8581,9422,0172,0581,9972,075
Financing Profit
Financing ProfitCr
8428949228288476897587848359121,0661,110
FPM
FPM%
24.024.825.121.321.116.617.817.618.419.522.422.5
Other Income
Other IncomeCr
000000000000
Depreciation
DepreciationCr
353840444849545152515455
PBT
PBTCr
8078568827847996417047337828601,0111,055
Tax
TaxCr
206219226202208169173165201216261270
PAT
PATCr
601637656582591472531568581644751785
Growth YoY
PAT Growth YoY%
27.527.020.32.6-1.6-25.8-19.1-2.4-1.636.341.438.3
NPM
NPM%
17.117.717.915.014.811.412.412.712.813.815.815.9
EPS
EPS
7.68.08.37.37.56.06.77.17.07.89.09.5

Profit & Loss

Consolidated
Standalone
Numbers
Percentage
Financial YearMar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
RevenueCr
3,0165,7117,0608,72510,75710,94511,31212,40314,17316,30018,43118,902
Growth
Revenue Growth%
89.423.623.623.31.83.49.714.315.013.112.0
Interest Expended
Interest ExpendedCr
1,5722,0502,3573,3334,0813,8833,3263,5124,8646,3906,8206,834
Expenses
ExpensesCr
9132,5673,1953,6065,1016,4536,5406,1525,8596,7888,0158,147
Financing Profit
Financing ProfitCr
5321,0941,5081,7861,5746091,4472,7393,4503,1223,5963,922
FPM
FPM%
17.619.221.420.514.65.612.822.124.319.219.520.7
Other Income
Other IncomeCr
28632000000000
Depreciation
DepreciationCr
039456211010899112145194209213
PBT
PBTCr
8181,0591,4651,7241,4655011,3482,6273,3052,9283,3863,709
Tax
TaxCr
283374513571460109336668844752842948
PAT
PATCr
5346849521,1531,0053921,0111,9592,4612,1762,5442,761
Growth
PAT Growth%
28.039.121.2-12.9-61.0158.393.725.6-11.616.927.7
NPM
NPM%
17.712.013.513.29.33.68.915.817.413.313.814.6
EPS
EPS
12.824.831.127.431.033.3
Financial YearMar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
RevenueCr
3,0165,7117,0608,72510,75710,94511,31212,40314,17316,30018,43118,902
Growth
Revenue Growth%
89.423.623.623.31.83.49.714.315.013.112.0
Interest Expended
Interest ExpendedCr
1,5722,0502,3573,3334,0813,8833,3263,5124,8646,3906,8206,834
Expenses
ExpensesCr
9132,5673,1953,6065,1016,4536,5406,1525,8596,7888,0158,147
Financing Profit
Financing ProfitCr
5321,0941,5081,7861,5746091,4472,7393,4503,1223,5963,922
FPM
FPM%
17.619.221.420.514.65.612.822.124.319.219.520.7
Other Income
Other IncomeCr
28632000000000
Depreciation
DepreciationCr
039456211010899112145194209213
PBT
PBTCr
8181,0591,4651,7241,4655011,3482,6273,3052,9283,3863,709
Tax
TaxCr
283374513571460109336668844752842948
PAT
PATCr
5346849521,1531,0053921,0111,9592,4612,1762,5442,761
Growth
PAT Growth%
28.039.121.2-12.9-61.0158.393.725.6-11.616.927.7
NPM
NPM%
17.712.013.513.29.33.68.915.817.413.313.814.6
EPS
EPS
12.824.831.127.431.033.3

Balance Sheet

Consolidated
Standalone
Numbers
Percentage
Financial YearMar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
Equity CapitalCr
790791793796830
Reserves
ReservesCr
8,74910,64612,95015,02419,834
Borrowings
BorrowingsCr
48,97354,86574,33187,39899,230
Other Liabilities
Other LiabilitiesCr
3,5133,7484,4835,4463,757
Total Liabilities
Total LiabilitiesCr
62,02670,05092,5571,08,6631,23,651
Fixed Assets
Fixed AssetsCr
735774
Cash Equivalents
Cash EquivalentsCr
6846547039841,674
Other Assets
Other AssetsCr
61,34269,39791,8541,06,9441,21,204
Total Assets
Total AssetsCr
62,02670,05092,5571,08,6631,23,651
Financial YearMar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
Equity CapitalCr
790791793796830
Reserves
ReservesCr
8,74910,64612,95015,02419,834
Borrowings
BorrowingsCr
48,97354,86574,33187,39899,230
Other Liabilities
Other LiabilitiesCr
3,5133,7484,4835,4463,757
Total Liabilities
Total LiabilitiesCr
62,02670,05092,5571,08,6631,23,651
Fixed Assets
Fixed AssetsCr
735774
Cash Equivalents
Cash EquivalentsCr
6846547039841,674
Other Assets
Other AssetsCr
61,34269,39791,8541,06,9441,21,204
Total Assets
Total AssetsCr
62,02670,05092,5571,08,6631,23,651

Cash Flow

Consolidated
Standalone
Financial YearMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow
Operating Cash FlowCr
-8,991-3,032-4041,987-6,851-16,736-13,626-8,606
Investing Cash Flow
Investing Cash FlowCr
-181-1,204132-703973-2,1461,159-1,772
Financing Cash Flow
Financing Cash FlowCr
9,4454,257670-1,5005,79619,13412,77010,673
Net Cash Flow
Net Cash FlowCr
27321398-216-81252303296
Free Cash Flow
Free Cash FlowCr
1,947-6,960-16,858-13,834-8,747
CFO To EBITDA
CFO To EBITDA%
-503.4-192.6-66.3137.4-250.1-485.1-436.4-239.3
Financial YearMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow
Operating Cash FlowCr
-8,991-3,032-4041,987-6,851-16,736-13,626-8,606
Investing Cash Flow
Investing Cash FlowCr
-181-1,204132-703973-2,1461,159-1,772
Financing Cash Flow
Financing Cash FlowCr
9,4454,257670-1,5005,79619,13412,77010,673
Net Cash Flow
Net Cash FlowCr
27321398-216-81252303296
Free Cash Flow
Free Cash FlowCr
1,947-6,960-16,858-13,834-8,747
CFO To EBITDA
CFO To EBITDA%
-503.4-192.6-66.3137.4-250.1-485.1-436.4-239.3

Ratios

Consolidated
Standalone
Financial YearMar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Current
Valuation Ratios
Valuation Ratios
Market Cap
Market CapitalizationCr
46,50256,180
Price To Earnings
Price To Earnings
18.320.3
Price To Sales
Price To Sales
2.53.0
Price To Book
Price To Book
2.32.7
EV To EBITDA
EV To EBITDA
40.139.7
Profitability Ratios
Profitability Ratios
FPM
FPM%
17.619.221.420.514.65.612.822.124.319.119.520.8
NPM
NPM%
17.712.013.513.29.33.68.915.817.413.313.814.6
ROCE
ROCE%
8.09.39.39.08.58.5
ROE
ROE%
10.617.117.913.812.312.3
ROA
ROA%
1.62.82.72.02.12.1
Solvency Ratios
Solvency Ratios
Financial YearMar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Current
Valuation Ratios
Valuation Ratios
Market Cap
Market CapitalizationCr
46,50256,180
Price To Earnings
Price To Earnings
18.320.3
Price To Sales
Price To Sales
2.53.0
Price To Book
Price To Book
2.32.7
EV To EBITDA
EV To EBITDA
40.139.7
Profitability Ratios
Profitability Ratios
FPM
FPM%
17.619.221.420.514.65.612.822.124.319.119.520.8
NPM
NPM%
17.712.013.513.29.33.68.915.817.413.313.814.6
ROCE
ROCE%
8.09.39.39.08.58.5
ROE
ROE%
10.617.117.913.812.312.3
ROA
ROA%
1.62.82.72.02.12.1
Solvency Ratios
Solvency Ratios

Documents — HDB Financial Services Ltd

  • Q1 FY2027 Earnings Call Transcript (Jun 2026, PDF): https://www.stockscans.in/document/i8re9xriim004fb5q2lutos3.pdf
  • Q4 FY2026 Earnings Call Transcript (Mar 2026, PDF): https://www.stockscans.in/document/gvf4ycz7k7br22feghnawp3l.pdf
  • Q3 FY2026 Earnings Call Transcript (Dec 2025, PDF): https://www.stockscans.in/document/jqbiu7i1dxv4qha3rx69jpbi.pdf
  • Q2 FY2026 Earnings Call Transcript (Sep 2025, PDF): https://www.stockscans.in/document/itddhye8l12xvn6rjsa7q55l.pdf
  • Q1 FY2026 Earnings Call Transcript (Jun 2025, PDF): https://www.stockscans.in/document/ftfudoar8qc51tflu9x9khff.pdf
  • Q1 FY2027 Quarterly Result (Jun 2026, PDF): https://www.stockscans.in/document/1qlf3bp2ms650whptyd2etdb.pdf
  • Q4 FY2026 Quarterly Result (Mar 2026, PDF): https://www.stockscans.in/document/c050f93x7t7p3xwriqheyc18.pdf
  • Q3 FY2026 Quarterly Result (Dec 2025, PDF): https://www.stockscans.in/document/cmc256ymn627tknr1714cvzf.pdf
  • Q2 FY2026 Quarterly Result (Sep 2025, PDF): https://www.stockscans.in/document/zm704u2709rwyd50v7km14vh.pdf
  • Q1 FY2026 Quarterly Result (Jun 2025, PDF): https://www.stockscans.in/document/zga7g0qo2xj3ckq804qvxrat.pdf
  • Q1 FY2027 Investor Presentation (Jun 2026, PDF): https://www.stockscans.in/document/qfdpxjukt8ol2dm3o8vz2v7b.pdf
  • Q4 FY2026 Investor Presentation (Mar 2026, PDF): https://www.stockscans.in/document/expfnpjpe2ura7iop5t66mfv.pdf
  • Q3 FY2026 Investor Presentation (Dec 2025, PDF): https://www.stockscans.in/document/dwu573dusxt9klrw0bzfrlnt.pdf
  • Q2 FY2026 Investor Presentation (Sep 2025, PDF): https://www.stockscans.in/document/yjolmycaxqr8j2gbt71b184a.pdf
  • Q1 FY2026 Investor Presentation (Jun 2025, PDF): https://www.stockscans.in/document/7q5xlxrypuwvgg6akpdjf3ys.pdf
  • FY2026 Annual Report (PDF): https://www.stockscans.in/document/smcxajn7dgqqib9sklp9j7hy.pdf

Concall Transcript Summaries — HDB Financial Services Ltd

  • Q1 FY2027 Concall Transcript Summary (Jun 2026): https://www.stockscans.in/company/NSE%3AHDBFS/transcript-notes/202606/i8re9xriim004fb5q2lutos3.pdf
  • Q4 FY2026 Concall Transcript Summary (Mar 2026): https://www.stockscans.in/company/NSE%3AHDBFS/transcript-notes/202603/gvf4ycz7k7br22feghnawp3l.pdf
  • Q3 FY2026 Concall Transcript Summary (Dec 2025): https://www.stockscans.in/company/NSE%3AHDBFS/transcript-notes/202512/jqbiu7i1dxv4qha3rx69jpbi.pdf
  • Q2 FY2026 Concall Transcript Summary (Sep 2025): https://www.stockscans.in/company/NSE%3AHDBFS/transcript-notes/202509/itddhye8l12xvn6rjsa7q55l.pdf
  • Q1 FY2026 Concall Transcript Summary (Jun 2025): https://www.stockscans.in/company/NSE%3AHDBFS/transcript-notes/202506/ftfudoar8qc51tflu9x9khff.pdf