HDBFS
HDB Financial Services Limited (HDBFS) Stock Analysis
HDB Financial Services Limited is an Indian NBFC in the HDFC Bank group providing retail and commercial finance. It offers loans, leases, and business banking products through a wide branch network. The company targets underpenetrated credit segments. It is listed on Indian stock exchanges.
Financial Services › Credit Services
₹583.80
-2.72% 1W | -18.10% 52W
Market Cap
48.4k CR
P/E Ratio
17.6
52W High
₹796.7
52W Low
₹555.3
Div. Yield
0.66%
Beta
–
50 DMA
₹663.7
200 DMA
₹680.1
Profit Margin
29.8%
Inst. Own.
11.9%
📊 CONSOLIDATION
⚠️ BREAKDOWN
Fundamentals
Profit & Loss
| Metric | Mar 2024 | Dec 2024 | Mar 2025 |
|---|---|---|---|
| Revenue | 3,667 | 4,144 | 4,266 |
| Interest | 1,377 | 1,645 | 1,650 |
| Expenses | 1,368 | 1,809 | 1,858 |
| Financing Profit | 922 | 689 | 758 |
| Financing Margin % | 25% | 17% | 18% |
| Other Income | 0 | 0 | 0 |
| Depreciation | 40 | 49 | 54 |
| Profit before tax | 882 | 641 | 704 |
| Tax % | 26% | 26% | 25% |
| Net Profit | 656 | 472 | 531 |
| EPS in Rs | 8.27 | 5.95 | 6.67 |
| Gross NPA % | |||
| Net NPA % |
| Metric | Mar 2018 | Mar 2019 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|
| Revenue | 7,027 | 8,725 | 12,403 | 14,173 | 16,300 |
| Interest | 2,449 | 3,333 | 3,512 | 4,907 | 6,433 |
| Expenses | 3,096 | 3,605 | 6,153 | 5,817 | 6,745 |
| Financing Profit | 1,482 | 1,786 | 2,738 | 3,449 | 3,122 |
| Financing Margin % | 21% | 20% | 22% | 24% | 19% |
| Other Income | -0 | -0 | 1 | 1 | 0 |
| Depreciation | 45 | 62 | 112 | 145 | 194 |
| Profit before tax | 1,436 | 1,724 | 2,627 | 3,305 | 2,928 |
| Tax % | 35% | 33% | 25% | 26% | 26% |
| Net Profit | 933 | 1,153 | 1,959 | 2,461 | 2,176 |
| EPS in Rs | 11.92 | 14.68 | 24.76 | 31.03 | 27.34 |
| Dividend Payout % | 13% | 12% | 8% | 10% | 11% |
Shareholding Pattern
Promoters74.19%
FIIs3.17%
DIIs10.93%
Public11.48%
Promoters74.15%
FIIs3.32%
DIIs11.41%
Public10.90%
Promoters74.12%
FIIs3.01%
DIIs12.29%
Public10.35%
Promoters74.12%
FIIs3.55%
DIIs12.10%
Public10.00%
Promoters74.12%
FIIs3.01%
DIIs12.29%
Public10.35%
Promoters74.12%
FIIs3.55%
DIIs12.10%
Public10.00%
HDBFS
Holdings Analysis
Key strengths & risk signals
78
Overall
78
Fundamental
79
Technical
Risks (3)
NEGLIGIBLE DIVIDEND! 0.54% yield - little to no income.
BEARISH TREND! 50-day average (694.0) is below 200-day average (703.9) - negative signal.
WEAK YEAR! Stock declined 8.7% in the last year.
Strengths (4)
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
BREAKOUT! Stock has broken above resistance levels with momentum.
BULLISH SENTIMENT! In last 30 days: 17 up days, 13 down days. Avg volume on up days: 1,418,563 vs down days: 421,478. Ratio: 3.37x
STRONG MOMENTUM! Price has grown across all timeframes - up 2.4% (1 week), 6.0% (1 month), 10.3% (3 months). Momentum is accelerating.
Fundamental & Technical Analysis
78Overall
78Fundamental
79Technical
Fundamental Breakdown
Growth Quality
19/30
Revenue CAGR: 14.0% (GOOD, 11/15). Profit CAGR: 9.1% (MODERATE, 8/15).
Profit Margin
9/10
EXCELLENT EFFICIENCY! 28.8% profit margin - company keeps strong profits.
PEG Valuation
7/10
OVERVALUED! PEG of 2.47 means expensive relative to growth rate.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0.54% yield - little to no income.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.00 - excellent financial health.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 11.48% public ownership - strong promoter/institutional control.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
3/10
BEARISH TREND! 50-day average (694.0) is below 200-day average (703.9) - negative signal.
Price Position
8/10
STRONG POSITION! Current price (752.2) is above both moving averages.
Trend Pattern
20/20
BREAKOUT! Stock has broken above resistance levels with momentum.
52W Performance
3/10
WEAK YEAR! Stock declined 8.7% in the last year.
Volume Sentiment
30/30
BULLISH SENTIMENT! In last 30 days: 17 up days, 13 down days. Avg volume on up days: 1,418,563 vs down days: 421,478. Ratio: 3.37x
RSI
3/5
BULLISH! RSI at 62.6 - positive momentum.
52W Range
4/5
UPPER HALF! Trading at 71.4% of 52W range - positive territory.
Momentum
5/5
STRONG MOMENTUM! Price has grown across all timeframes - up 2.4% (1 week), 6.0% (1 month), 10.3% (3 months). Momentum is accelerating.
Beta
3/5
MARKET ALIGNED! Beta of 1.00 - moves with the market.
HDBFS
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-07-20 | Concall PDF | |
| Q2FY262026-01-20 | Concall PDF | |
| Q1FY262025-10-18 | Concall PDF |
Peer Comparison
Financial Services · Credit Services · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| HDBFS | ₹583.80 | 17.6 | 29.8% | 14.0% | 9.1% | -18.1% | 78 | BREAKDOWN | +38.3% | +4.6% | +10.9% | +4.0% |
| SUNDARMFIN | ₹4,246.30 | 21.4 | 46.1% | 18.6% | 15.7% | -7.4% | 59 | BREAKDOWN | +33.9% | +14.8% | +18.1% | +1.6% |
| PIRAMALFIN | ₹1,951.10 | 26.3 | 32.2% | 16.9% | – | +50.7% | 54 | BREAKDOWN | +66.1% | -8.3% | +28.0% | +7.5% |
| M&MFIN | ₹319.40 | 13.7 | 30.9% | 13.3% | 11.3% | +9.7% | 72 | BOUNCE FROM SUPPORT | +75.4% | -1.3% | +20.9% | +0.2% |
| SBICARD | ₹568.00 | 23.8 | 18.2% | 13.5% | -1.4% | -38.4% | 54 | CONSOLIDATING DOWN | +19.5% | +9.0% | +0.7% | 0.0% |
| POONAWALLA | ₹437.20 | 34.2 | 26.7% | 24.0% | 24.0% | -18.8% | 72 | APPROACHING SUPPORT | – | +21.9% | +82.4% | +12.1% |
| HUDCO | ₹164.10 | 7.7 | 90.7% | 10.0% | 33.3% | -28.2% | 71 | BOUNCE FROM SUPPORT | +35.1% | -57.0% | +37.4% | +58.0% |
| LTF | ₹258.80 | 20.4 | 33.1% | 17.7% | 22.5% | -1.5% | 63 | BREAKDOWN | +28.7% | +11.9% | +21.8% | +9.4% |
Data from TradeAlone · Updated daily
HDBFS News
Hdb Financial Services Limited (hdbfs) Records Profit After Tax of ₹780 Crores for Q2fy27, a Growth of 34.2% Yoy2026-10-14Hdb Financial Services Limited (hdbfs) Records Highest Ever Quarterly Profit After Tax of ₹785 Crores, a Growth of 38.3% Yoy2026-07-15HDB Financial Services Limited (HDBFS) breaks out +7%2026-06-15HDB Financial Services Limited (HDBFS) surges +8.99% on strong Q4FY26 performance2026-06-15
