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HDB Financial Services (HDBFS) had a P/E of 15.0× on 6 Nov 2026, and the shares are 33% below their 52-week high. Net profit grew 9.1% a year over 3 years, with ROE of 14%. ROCE and debt-to-equity are not meaningful for banks and lenders; it trades at 2.01× book value and its dividend yield is 0.8%. It is a mid-cap company with a market cap of ₹44,324 Cr, ranked 13th of 193 Credit Services companies by market cap; the shares fell 27% over the past year.

As of 6 Nov 2026Prices are delayed about 15 minutes; fundamentals are from the quarter ended Sep 2026.How we calculate this

past year
Open
₹526.05
Day high
₹536.40
Day low
₹520.75
Prev. close
₹531.80
Volume
14.8 L

Health check

2 good · 1 fair · 3 to check
  • ReturnsBehind

    −27.3% over a year, better than 1 of 7 peers.

  • Price tagCheaper

    P/B 2.01 vs peer median 2.62.

  • GrowthSlow

    Profit +9.1% a year over 3 years.

  • ProfitabilityAverage

    ROE 14.3% vs peer median 18.7%.

  • Balance sheetSolid

    Return on assets 2.41%. Bad-loan data isn’t covered.

  • Red flags1 to check

    33% below its 52-week high.

Compared with 7 industry peers. Computed from reported figures. Educational, not a recommendation.

Credit Services

192 listed peers. Screen the industry

Mid cap

₹44,324 Cr, #13 of 193 in its industry by size.

Market sensitivity

Measuring against the NIFTY 50…

Key metrics

Last 12 months to Sep 2026: sales ₹9,626 Cr · profit ₹2,960 Cr
Market cap
₹44,324 Cr
Mid cap
P/E
15.0
Industry 15.5
Price to book
2.01
Peers 2.62
Dividend yield
0.75%
ROE
14.3%
Peers 18.7%
ROCE
n/m
Not meaningful for lenders
Debt to equity
n/m
Not meaningful for lenders
EPS (TTM)
₹35.57
Face value ₹10
OPM (TTM)
31.0%
Net margin 30.8%
Sales growth
n/m
Not meaningful for lenders
Profit growth
+34.2%
Latest quarter vs a year ago
Price to sales
4.60

Strengths and risks

Strengths

  • Quarterly profit up 34.2% on a year ago.

Risks to check

  • 33% below its 52-week high.

Derived automatically from reported figures. Not a recommendation.

About HDB Financial Services

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,…

Headquarters
Mumbai
Employees
88,162
Sector
Financial Services
ISIN
INE756I01012
Website
hdbfs.com

Price range

52 weeks

₹494.15₹796.70

Today

₹520.75₹536.40
Avg volume (3M)
8.9 L
1-year return
minus 27.3%
From 52-week high
minus 32.9%

Analyst consensus

16 analysts
BuyMean target ₹728.50 plus 36.2%

Target range, with today’s price

Low ₹610.00High ₹900.00

Today’s price ₹534.75 is below the lowest analyst target.

Consensus from Yahoo Finance. Not a recommendation.

Peers · Credit Services

Bank and NBFC columns

Compare with peersScreen the whole industry
Company
BAJFINANCEBajaj Finance1,087.75plus 1.66%6,77,00531.35.4919.0%3.8%18.2%0.50%plus 1.2%
SHRIRAMFINShriram Finance961.15minus 0.30%2,26,16716.02.0314.8%3.9%18.6%1.80%plus 21.0%
CHOLAFINCholamandalam Investment and Finance Company1,785.00plus 1.42%1,53,10324.54.4120.6%2.6%25.2%0.11%plus 0.8%
TATACAPTata Capital358.05plus 2.93%1,50,97925.43.1014.1%2.2%–0.16%plus 5.6%
MUTHOOTFINMuthoot Finance2,869.00plus 1.06%1,15,1819.42.6231.6%6.3%43.1%1.05%minus 11.0%
PFCPower Finance Corporation328.80minus 0.18%1,08,5074.10.7418.7%2.7%17.7%4.99%minus 16.9%
IRFCIndian Railway Finance Corporation80.43plus 0.37%1,05,11014.31.7312.6%1.4%4.4%2.74%minus 34.4%
HDBFSHDB Financial Services534.75plus 0.55%44,32415.02.0114.3%2.4%9.1%0.75%minus 27.3%
Median of 7 peers–1.06%1,50,97916.02.6218.7%2.7%18.4%1.05%0.8%

Quarterly results

Consolidated, ₹ crore
SalesSelect a row below to chart it
₹ CrJun 25Sep 25Dec 25Mar 26Jun 26Sep 26
–4,2074,2954,3754,5754,648
–3,0153,0502,9953,1313,174
–1,1921,2451,3801,4441,474
–28.3%29.0%31.5%31.6%31.7%
––371364351345
51.4–51.254.354.857.4
−646−749−705−678−685−718
733–8601,0111,0551,044
22.5%–25.2%25.8%25.6%25.2%
568–644751785780
6.86–7.749.029.439.37

Profit & loss

Yearly, ₹ crore
Profit CAGR 3Y
+9.1%
EPS CAGR 3Y
+9.3%
ROE
14.3%
Net profitSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
11,48812,99314,88716,777
–+13.1%+14.6%+12.7%
6,2226,7697,4458,481
5,2656,2247,4428,296
45.8%47.9%50.0%49.4%
7631,0081,2871,529
2,0452,8283,5503,467
112145194209
−1,245−955−2,057−2,763
2,6273,3052,9283,386
25.4%25.5%25.7%24.9%
1,9592,4612,1762,544
–+25.6%minus 11.6%+16.9%
23.6229.6626.2930.88

Forecast

Your assumptions, not a prediction

Balance sheet

At each financial year end, ₹ crore
Total assetsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
791793796830
10,64612,95015,02419,834
54,86574,33189,68299,230
3,7484,4833,1613,757
70,05092,5571,08,6631,23,651
354461663631
41.338.339.78.3
58.346.148.4337
1,8394,0372,9975,085
67,75887,9741,04,9151,17,591
70,05092,5571,08,6631,23,651

Cash flow

Yearly, ₹ crore
Cash from operationsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
−6,851−16,736−13,626−8,606
973−2,1461,159−1,772
5,79619,13412,77010,673
−81.3252303296
−111−123−210−144
−6,962−16,859−13,836−8,749
−150−245−238−245

Shareholding pattern

Source: NSE filings
74.1%
promoters
  • Promoters74.08%
  • Public25.69%
  • Employee trusts0.23%
  • As of 30 Sep 2026
QuarterSplitPromotersPublicPromoter change
30 Sep 202674.08%25.69%minus 0.04
30 Jun 202674.12%25.65%0.00
31 Mar 202674.12%25.65%minus 0.03
31 Dec 202574.15%25.62%minus 0.04
30 Sep 202574.19%25.58%–

Major shareholders

NSE filing

Filings & events

News

No recent news coverage found.

My notes

Private to you