HDB Financial Services
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HDB Financial Services share price

HDB Financial Services Ltd.

NSE: HDBFS BSE: 544429 SECTOR: Finance - NBFC  11.84 K   42   15

748.60
0 0
BSE: 01 Aug 04:01 PM

Price Summary

Today's High

₹ 763.5

Today's Low

₹ 747.1

52 Week High

₹ 891.65

52 Week Low

₹ 741

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationAttractive
The stock is considerably attractive based on intrinsic value.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsVery Stable
The company possesses stable growth history and sound margins.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 62101.37 Cr.

Advances

₹ 67075.3 Cr.

No. of Shares

82.96 Cr.

P/E

28.54

P/B

2.17

Face Value

₹ 10

Div. Yield

0.4 %

Book Value (TTM)

₹  345.32

Operating Revenue

₹ 16300.28 Cr.

Net Profit

₹ 2175.92 Cr.

Promoter Holding

74.19 %

EPS (TTM)

₹  26.23

Sales Growth

15.01

ROE

14.81 %

ROCE

9.79%

Profit Growth

-11.58 %

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* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

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Ratios

Income Growth

1 Year15.01%
3 Year12.97%
5 Year8.67%

Profit Growth

1 Year-11.58%
3 Year29.09%
5 Year16.71%

ROE%

1 Year14.81%
3 Year17.73%
5 Year13.86%

ROCE %

1 Year9.79%
3 Year10.1%
5 Year9.17%

ROA%

2.1541

PEG Ratio

NA

PAT Margin (%)

13.349

EPS Growth(%)

NA

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2025 74.19 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • Company has a healthy Return on Equity (ROE) track record of 17.7292666666667%.
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 12.9686099908331%.
  • The company boasts a well-maintained advances growth ratio of 23.2082872965878%.
  • Promoters shareholding is 74.19%.

 Limitations

  • Provision and contingencies have increased by 95.9885360832222%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2025
Operating Revenue 4465.4
Other Income 0
Interest Expended 1739.7
Operating Expenses 1941.8
Total Provisions 0
Depreciation 51.4
Profit Before Tax 732.5
Tax 164.8
Net Profit 567.7
Adjusted EPS (RS) 7.13

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Operating Income 10944.78 11306.29 12402.88 14173.07 16300.28
Other Income 28.22 21 22.24 0.85 1.24
Interest 3908.4 3345.18 3533.15 4906.73 6433.36
Operating Expenses 3459.63 4141.73 4912.39 4861.88 4779.41
Total Provisions 3104.26 2492.82 1352.18 1100.64 2160.95
Exceptional Items 0 0 0 0 0
Profit Before Tax 500.71 1347.56 2627.4 3304.67 2927.8
Tax 109.24 336.16 668.05 843.83 751.88
Profit After Tax 391.47 1011.4 1959.35 2460.84 2175.92
Adjusted EPS (Rs.) 4.96 12.8 24.76 31.03 27.34

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity and Liabilities
Share Capital 789.19 790.44 791.4 793.08 795.78
Total Reserves 7657.05 8749.29 10645.57 12949.63 15023.97
Borrowings 34875.04 31617.98 35351.75 48763.23 50960.94
Other N/C liabilities -139.3 -636.78 -478.68 -206.34 -239.76
Current liabilities 19328.18 21557.24 23765.78 30652.63 42533.3
Total Liabilities 62510.16 62078.17 70075.82 92952.23 109074.23
Assets
Loans 40101.1 35862.69 41963.91 55244.89 67075.3
Net Block 269.51 243.64 333.02 184.68 275.42
Capital WIP 0 0 0 0 0
Intangible WIP 0 0 0 0 0
Investments 137.87 89.49 57.94 39.63 16.04
Other Loans 28.62 251.53 72.93 66.51 71.12
Other N/C Assets 13.34 167.1 3.19 279.69 535.18
Current Assets 21959.72 25463.72 27644.83 37136.83 41101.17
Total Assets 62510.16 62078.17 70075.82 92952.23 109074.23
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Jun 2025%
promoters 74.19
hdfc bank limited 74.19
PARTICULARS Jun 2025%
investors 25.81
llp 0.01

Annual Reports

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Ratings & Research Reports

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HDB Financial Services Stock Price Analysis and Quick Research Report. Is HDB Financial Services an attractive stock to invest in?

Around 2% of India's total population invests in financial assets. The mutual fund industry's penetration in India is close to 7% (Based on the number of PAN cardholders). This under penetration offers a huge opportunity for the industry to grow.

Migration to financial savings, wider distribution and sustainable performance are expected to enable growth in the industry.

Also, increasing financial literacy among investors, digitization and the number of mediums available tend to attract more investors to invest in the financial markets.

HDB Financial Services stock price today is Rs 748.35. To understand the functions of the HDB Financial Services better, you must go through the following points:

Key Financials –

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of HDB Financial Services is Rs 2175.92 Cr and the compounded growth of profit in the past 3 years is 29.0938488411344 %. The PAT margin of HDB Financial Services is 13.349 %.

  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In HDB Financial Services , the EPS declined by -11.8783 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): HDB Financial Services has a average ROE track record. The ROE of HDB Financial Services is at 14.8083 % for the latest year.

  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of HDB Financial Services is worth at the current levels at Rs 748.35. The stock is trading at a current P/E ratio of 0 and the average historical P/E for the last 5 years was 0.

  • P/B ratio can be one of the best metrics to value such companies. Currently, HDB Financial Services is trading at a P/B of 2.1678 . The average historical P/B of HDB Financial Services for the last 5 years was 0. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

  • Share Price: - The current share price of HDB Financial Services is Rs 748.35. One can use valuation calculators of ticker to know if HDB Financial Services share price is undervalued or overvalued.

Last Updated on:
Brief about HDB Financial Services

HDB Financial Services Share Price, Financials & Company Analysis

HDB Financial Services (HDBFS) is a leading Indian Non-Banking Financial Company (NBFC) and a subsidiary of HDFC Bank Ltd. Incorporated in 2007, the company has established a strong presence, catering to the needs of both individual and business clients. It holds high credit ratings of CARE AAA and CRISIL AAA, reflecting its financial strength and reliability. The company operates in the lending and BPO services sectors.

Business Model and Operations

HDB Financial Services operates a diversified business model with revenue streams from interest income, fees from services like insurance distribution, and other financial charges. Its lending portfolio is segmented into three core verticals:

  • Enterprise Lending: This division provides secured and unsecured loans to micro, small, and medium enterprises (MSMEs), forming about 39% of the loan book.

  • Asset Finance: Accounting for approximately 38% of loans, this vertical offers secured financing for commercial vehicles, construction equipment, and tractors.

  • Consumer Finance: This segment, making up around 23% of the portfolio, provides personal loans, auto loans, and consumer durable financing.

A key advantage for HDBFS is its parentage from HDFC Bank, which enables it to secure funds at competitive rates. The company has an extensive distribution network of over 1,160 branches across India, with a significant focus on reaching customers in semi-urban and rural areas.

Company Data & Performance

As of 25 July 2025, here are some key financial metrics for HDB Financial Services Ltd.:

  • Market Capitalisation: Rs 63,122 Cr

  • Price to Earnings (P/E) Ratio: 29.01

  • Return on Equity (ROE): 14.7%

For the latest, real-time data on HDB Financial Services, please refer to the updated financial tables and charts available on this page.

Frequently Asked Questions (FAQs)

Q1: Where can I find the live HDB Financial Services Share Price chart?
The live and historical HDB Financial Services Share Price chart is available on this page. It is updated with the latest market data to help you track its performance.

Q2: How can I check the PE and PB Ratio for HDB Financial Services Ltd.?
You can find the latest PE (Price to Earnings) Ratio and PB (Price to Book) Ratio for HDB Financial Services on this page. These valuation metrics are updated daily to reflect the most current information.

Q3: Are the latest financial statements for HDB Financial Services available here?
Yes, the company’s complete financial statements, including the Profit & Loss statement, Balance Sheet, and Cash Flow statement, are available above. This page provides the latest quarterly and annual financial data for your analysis.

Q4: What industry does HDB Financial Services Ltd. operate in?
HDB Financial Services Ltd. operates in the Financial Services sector as a Non-Banking Financial Company (NBFC).

Q5: Where can I find all the financial data for HDB Financial Services Ltd.?
All crucial financial data for HDB Financial Services Ltd. is available on this Finology Ticker page. This includes key ratios, corporate actions, shareholding patterns, and peer comparisons, with all information updated daily.

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