HDBFS · NSE
HDB Financial Services Limited
₹698.4
+2.49% (+₹16.95)
Prev. close
₹681.45
Volume
7,80,230
Delivery %
70.5%
As of
18 Sept 2026
Price history
No analyst calls on this stock in the last 90 days yet.
Explore by date range →Analyst opinions
Fundamentals
About HDB Financial Services Limited
HDB Financial Services Limited operates as a non-banking financial company that provides lending and business process outsourcing services in India. The company offers personal loans, salaried personal loans, business loans, micro lending loans, auto loans, two-wheeler loans, relationship personal loan, gold loans, loans against property, enterprise business loans, consumer durable loans, commercial vehicle loans, construction equipment loans, car loans, digital and lifestyle product loans, digital lending, tractor loans, and general and life insurance products. It also provides BPO services, including collection, back office, and sales support services. The company was incorporated in 2007 and is based in Mumbai, India. HDB Financial Services Limited operates as a subsidiary of HDFC Bank Limited.
Details
Sector
Financial Services
Industry
Credit Services
CEO
Mr. Ramesh Ganesan M.B.A.
Headquarters
Mumbai
Employees
88,162
Website
hdbfs.comExchange
View on NSE ↗Key stats
Market cap
₹57,859.27 Cr
P/E ratio (TTM)
20.9
Dividend yield
0.59%
EPS (TTM)
₹33.46
Beta (1Y · daily vs NIFTY 50)
1.06
Shares float
20.50 Cr
EPS · quarter ended Jun 2026
₹9.43
Financial Performance
01 · Financials
FY23 growth needs FY22 filings, which the data source doesn't provide.
02 · Earnings Per Share (EPS)
03 · Dividend Profile
Growth compares completed fiscal-year dividend totals on the company's own calendar: April–March (Indian FY), taken from its reported period-ends. Payout ledger: NSE corporate actions.
04 · Operating Efficiency (Growth Rates)
Balance-sheet-based · pre-FY23 not filed in verifiable form
05 · Capital Structure & Asset Utilization
Pre-FY23 not filed in verifiable form
Asset turnover needs a prior year of assets — omitted for the earliest available year.
06 · Asset Base Composition
Pre-FY23 not filed in verifiable form
07 · Debt Level & Coverage
Pre-FY23 not filed in verifiable form
08 · Profit & Loss
Annual
| Line item | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|
| ₹12,243.92 Cr | ₹13,946.26 Cr | ₹16,079.63 Cr | ₹18,429.67 Cr | |
| EBITDA | ₹4,783.76 Cr | ₹6,277.74 Cr | ₹6,671.84 Cr | ₹7,062.40 Cr |
| ₹1,959.35 Cr | ₹2,460.84 Cr | ₹2,175.92 Cr | ₹2,543.78 Cr | |
| Diluted EPS | ₹23.62 | ₹29.66 | ₹26.29 | ₹30.88 |
Total expenses (as filed), Employee benefit expense, Other expenses, Other income have filed figures for only some of the years shown — no further verified source covers the rest, so those years are left blank rather than estimated.
09 · Balance Sheet
Annual
| Line item | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|
| ₹70,050.39 Cr | ₹92,556.51 Cr | ₹1.09 L Cr | ₹1.24 L Cr | |
| ₹54,865.31 Cr | ₹74,330.67 Cr | ₹89,682.37 Cr | ₹99,230.05 Cr | |
| Stockholders' equity | ₹11,436.96 Cr | ₹13,742.71 Cr | ₹15,819.75 Cr | ₹20,664.04 Cr |
CWIP, Others have filed figures for only some of the years shown — no further verified source covers the rest, so those years are left blank rather than estimated. Inventory shows ₹0 for 2026-03-31 — a real filed figure, not a gap: positively consistent with a filer that holds no physical inventory (typical for lenders and other financial-services companies). 2023-03-31, 2024-03-31, 2025-03-31 have no Inventory figure at all reaching this deck yet — not verified as zero, not verified as positive — so they are left blank rather than assumed to match the filed zero.
Annual only — the data source doesn’t publish quarterly balance-sheet detail for most NSE-listed companies.
10 · Cash Flow Statement
Annual
| Line item | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|
| ₹-6,850.61 Cr | ₹-16,736.04 Cr | ₹-13,626.33 Cr | ₹-8,605.70 Cr | |
| Investing cash flow | ₹973.32 Cr | ₹-2,145.56 Cr | ₹1,159.02 Cr | ₹-1,772.09 Cr |
| ₹5,795.99 Cr | ₹19,133.55 Cr | ₹12,769.92 Cr | ₹10,673.41 Cr | |
| Capital expenditure | ₹-111.32 Cr | ₹-123.35 Cr | ₹-209.79 Cr | ₹-143.61 Cr |
| End cash position | ₹395.90 Cr | ₹647.85 Cr | ₹950.46 Cr | ₹1,246.12 Cr |
Annual only — the data source has no quarterly cash-flow-statement coverage.
11 · Shareholding Pattern
NSE, quarterly
| Line item | Jul 25–Sep 25(2Q) | Dec 25 | Mar 26–Jun 26(2Q) |
|---|---|---|---|
| Promoter | 74.19% | 74.15% | 74.12% |
| Public | 25.58% | 25.62% | 25.65% |
| Employee trusts | 0.23% | 0.23% | 0.23% |
Source: NSE quarterly shareholding-pattern filings, collapsed to periods where the reported percentages held steady — a column spanning several quarters means no change was filed across them. No FII/DII sub-split available from this source — Public includes all non-promoter, non-employee-trust holders.
12 · Peer Comparison
Financial Services
| Company | ||||||||
|---|---|---|---|---|---|---|---|---|
| HDFC Bank Limited | ₹11.27 L Cr | ₹731 | 16.2 | 1.38 | 8.6% | 0.81 | +4.7% | -25.2% |
| ICICI Bank Limited | ₹9.75 L Cr | ₹1,347.6 | 17.6 | 2.69 | 14.9% | 0.57 | +9.1% | -5.0% |
| State Bank of India | ₹9.16 L Cr | ₹996.2 | 10.6 | 1.54 | 14.0% | 1.22 | +9.2% | +16.6% |
| Bajaj Finance Limited | ₹6.31 L Cr | ₹1,040.3 | 31.1 | 5.54 | 16.7% | 3.10 | +19.7% | +4.4% |
| Life Insurance Corporation Of India | ₹5.06 L Cr | ₹407.7 | 8.4 | 2.87 | 32.5% | — | +8.7% | -54.2% |
| Kotak Mahindra Bank Limited | ₹4.08 L Cr | ₹415 | 20.5 | 2.25 | 10.6% | 0.53 | -0.3% | -79.5% |
| Axis Bank Limited | ₹3.86 L Cr | ₹1,240 | 14.0 | 1.80 | 12.3% | 1.30 | +4.0% | +10.1% |
| Bajaj Finserv Limited | ₹2.98 L Cr | ₹1,852.5 | 29.4 | 3.82 | 12.6% | 4.64 | +13.6% | -10.5% |
| Shriram Finance Limited | ₹2.34 L Cr | ₹1,010 | 17.6 | 3.55 | 15.2% | 2.76 | +13.9% | +61.1% |
| SBI Life Insurance Company Limited | ₹1.77 L Cr | ₹1,731 | 68.0 | 9.29 | 12.9% | — | -4.3% | -5.0% |
| ICICI Prudential Asset Management Company Limited | ₹1.53 L Cr | ₹3,098 | 43.8 | 36.57 | 79.1% | — | +23.1% | — |
| HDB Financial Services Limited | ₹56,455.04 Cr | ₹698.4 | 20.4 | 2.73 | 12.3% | 4.80 | +12.8% | -11.7% |
Ranked by market cap within Financial Services, same metrics as the Fundamentals screener. Click a column to sort.
Documents
IPO documents
Annual reports
Concall transcripts
Official documents linked from their sources — offer documents as filed with SEBI (sebi.gov.in), annual reports and earnings-call transcripts as published on BSE (bseindia.com) and NSE (nseindia.com). Links open the source's own hosting; nothing is re-hosted here.
Index membership
21 indices
NSE weights are a free-float market-cap-share estimate, not NSE’s own published (and sometimes capped) index weight. BSE weights are BSE’s own published index weight, not an estimate. Indices without weight data are listed without one, in alphabetical order after the weighted ones.