HDB FINANC SER

How has been the historical performance of HDB FINANC SER?

HDB FINANC SER's historical performance shows mixed results, with net sales increasing to 16,300.30 Cr in March 2025, but profitability declined, reflected in lower operating profit, profit before tax, and earnings per share. Total liabilities and debt rose significantly, while cash flow from operations remained negative, indicating rising costs and declining profitability despite some asset growth.

Answer:<BR>The historical performance of HDB FINANC SER shows a mixed trend in its financial metrics over the past two years.<BR><BR>Breakdown:<BR>In the fiscal year ending March 2025, HDB FINANC SER reported net sales of 16,300.30 Cr, an increase from 14,171.10 Cr in March 2024. Total operating income mirrored this growth, remaining at 16,300.30 Cr in March 2025. However, total expenditure also rose to 13,178.10 Cr from 10,721.30 Cr, leading to an operating profit (PBDIT) of 3,122.20 Cr, down from 3,449.80 Cr the previous year. Interest expenses surged to 6,390.20 Cr from 4,864.30 Cr, resulting in a gross profit (PBDT) of -3,268.00 Cr, compared to -1,414.50 Cr in March 2024. Profit before tax decreased to 2,927.80 Cr from 3,304.70 Cr, and profit after tax also fell to 2,175.90 Cr from 2,460.80 Cr. The earnings per share (EPS) declined to 27.34 from 31.09, reflecting a decrease in profitability. The operating profit margin dropped to 19.15% from 24.34%, while the profit after tax margin decreased to 13.35% from 17.36%. On the balance sheet, total liabilities increased significantly to 1,07,780.04 Cr from 91,616.56 Cr, with total debt rising to 87,397.77 Cr from 74,330.67 Cr. Despite these challenges, the book value per share improved to 198.8 from 173.28, indicating a stronger equity position. Cash flow from operating activities remained negative at -13,626.00 Cr, although cash and cash equivalents increased to 950.00 Cr from 647.00 Cr, suggesting some liquidity improvement. Overall, while HDB FINANC SER experienced growth in sales and assets, it faced rising costs and declining profitability.

Has HDB FINANC SER declared dividend?

HDB Financial Services Ltd has declared a 20% dividend, with an ex-date of October 24, 2025. However, the total returns over various periods have been minimal, with a dividend yield of 0% and no significant price growth in recent years.

HDB Financial Services Ltd has declared a 20% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 20%<BR>- Ex-date: 24 Oct 25<BR><BR>Dividend Yield: 0%<BR><BR>Total Returns by Period:<BR>In the last 3 months, HDB Financial Services Ltd experienced a price return of -9.23%, a dividend return of 0.25%, resulting in a total return of -8.98%.<BR><BR>Over the 6-month period, the price return was 0%, the dividend return was 0%, leading to a total return of 0.0%.<BR><BR>For the 1-year period, there was no price return, no dividend return, and thus a total return of 0.0%.<BR><BR>In the 2-year period, the price return remained at 0%, with no dividend return, resulting in a total return of 0.0%.<BR><BR>During the 3-year period, there was again no price return or dividend return, leading to a total return of 0.0%.<BR><BR>For the 4-year period, the price return was 0%, the dividend return was 0%, resulting in a total return of 0.0%.<BR><BR>Lastly, in the 5-year period, there was no price return, no dividend return, and consequently a total return of 0.0%.<BR><BR>Overall, while HDB Financial Services Ltd has declared a dividend, the total returns over various periods indicate a lack of significant growth or returns, particularly in the longer terms. The dividend yield remains at 0%, suggesting limited income generation from dividends in recent years.

Is HDB FINANC SER overvalued or undervalued?

As of November 10, 2025, HDB Financial Services is considered overvalued with a PE ratio of 27.86, despite being less expensive than Bajaj Finance, but significantly higher than Life Insurance, and its low dividend yield of 0.27% and ROE of 1.13% further indicate overvaluation.

As of 10 November 2025, the valuation grade for HDB Financial Services has moved from fair to expensive. The company is currently overvalued based on its financial ratios, with a PE ratio of 27.86, an EV to EBIT of 47.04, and an EV to EBITDA of 44.11. These figures suggest that the stock is trading at a premium compared to its earnings and cash flow generation capabilities.<BR><BR>In comparison to its peers, HDB Financial Services has a lower PE ratio than Bajaj Finance, which stands at 38.76, indicating that HDB is less expensive relative to Bajaj. However, it is significantly higher than Life Insurance, which boasts a PE of 11.14, highlighting a notable disparity in valuation within the sector. Additionally, the company's dividend yield of 0.27% and ROE of 1.13% further support the conclusion of overvaluation, especially when juxtaposed with the broader market performance, where HDB has shown a slight gain of 0.93% over the past week compared to a decline in the Sensex.

Which are the latest news on HDB FINANC SER?

Why is HDB Financial Services Ltd falling/rising?

As of 13-Mar, HDB Financial Services Ltd's stock price is Rs 642.25, down 1.21% and on a downward trend for three consecutive days. The stock is trading below all key moving averages and near its 52-week low, indicating bearish sentiment and decreased investor confidence.

As of 13-Mar, HDB Financial Services Ltd is experiencing a decline in its stock price, currently at Rs 642.25, which reflects a change of -7.85 (-1.21%). The stock has been on a downward trend, having fallen consecutively for the last three days, resulting in a total decline of -3.25% during this period. Additionally, the stock is trading lower than its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, indicating a bearish trend.<BR><BR>Investor participation has also decreased, with the delivery volume on 12 March dropping by -57.82% compared to the 5-day average. This decline in trading activity suggests a lack of confidence among investors. Furthermore, the stock is close to its 52-week low, being only 0.29% away from Rs 640.4, which may contribute to a perception of weakness.<BR><BR>Despite these negative indicators, it is worth noting that the stock has outperformed its sector by 0.43% today, and there are positive long-term fundamentals, including a strong average Return on Equity (ROE) of 15.92% and significant net sales and profit figures reported in December. However, the immediate factors contributing to the stock's decline are the consecutive price falls, lower trading volumes, and its proximity to a 52-week low.

Why is HDB Financial Services Ltd falling/rising?

As of 14-Mar, HDB Financial Services Ltd's stock price is Rs 642.25, reflecting a decline of -1.21% and nearing its 52-week low. The stock has underperformed the market with a year-to-date drop of -16.06%, and decreased investor participation suggests waning interest, contributing to its downward trend.

As of 14-Mar, HDB Financial Services Ltd is experiencing a decline in its stock price, currently at Rs 642.25, which reflects a change of -7.85 (-1.21%). The stock has been on a downward trend, having fallen consecutively for the last three days, resulting in a total decline of -3.25% during this period. Additionally, the stock is close to its 52-week low, being only 0.29% away from Rs 640.4.<BR><BR>In terms of performance relative to the market, HDB Financial Services has underperformed over various time frames, with a year-to-date decline of -16.06%, compared to a -12.50% drop in the Sensex. Over the past month, the stock has decreased by -9.29%, slightly better than the Sensex's -9.76% decline. However, the overall trend indicates a significant drop in value.<BR><BR>Investor participation has also decreased, as evidenced by a 57.82% drop in delivery volume on March 12 compared to the five-day average. This decline in trading activity suggests waning interest among investors, contributing to the stock's falling price. Furthermore, HDB Financial Services is trading below its moving averages across various time frames, indicating a bearish sentiment in the market.<BR><BR>Despite these negative indicators, there are some positive aspects, such as strong long-term fundamentals and an increase in institutional investor participation, which could provide some support for the stock in the future. However, the current data clearly shows that HDB Financial Services Ltd is facing downward pressure on its stock price.

Why is HDB Financial Services Ltd falling/rising?

As of 15-Mar, HDB Financial Services Ltd's stock price is Rs 642.25, down 1.21% and showing a bearish trend with a decline over the past three days. Investor participation has decreased significantly, and the stock is near its 52-week low, despite some positive long-term fundamentals and increased institutional investment.

As of 15-Mar, HDB Financial Services Ltd's stock price is currently at Rs 642.25, reflecting a decrease of Rs 7.85, or 1.21%. The stock has been experiencing a downward trend, having fallen consecutively for the last three days, resulting in a total decline of 3.25% during this period. Additionally, the stock is trading lower than its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, indicating a bearish trend.<BR><BR>Investor participation has also diminished, as evidenced by a significant drop in delivery volume, which fell by 57.82% compared to the 5-day average. This decline in trading activity suggests a lack of confidence among investors. Furthermore, the stock is close to its 52-week low, being only 0.29% away from Rs 640.4.<BR><BR>Despite these negative indicators, there are some positive aspects to consider. The company has shown strong long-term fundamental strength, with an average Return on Equity (ROE) of 15.92%. Additionally, institutional investors have increased their stake by 0.63% over the previous quarter, indicating some level of confidence from larger investors.<BR><BR>Overall, the combination of recent price declines, reduced trading volume, and the stock's proximity to its 52-week low are contributing to the current downward movement in HDB Financial Services Ltd's stock price.