HDB FINANC SER

Which are the latest news on HDB FINANC SER?

Why is HDB Financial Services Ltd falling/rising?

As of 05-Sep, HDB Financial Services Ltd's stock price is declining, currently at 682.25, reflecting a 1.54% decrease. Despite strong long-term fundamentals, the stock has underperformed significantly over the past year and year-to-date compared to the Sensex, contributing to its bearish trend.

As of 05-Sep, HDB Financial Services Ltd's stock price is falling, currently at 682.25, which reflects a decrease of 10.65 or 1.54%. This decline is evident in the stock's performance today, where it underperformed the sector by 2.29%. Over the past year, the stock has generated a return of -11.76%, which is significantly worse than the Sensex's decline of 5.21% during the same period. <BR><BR>Investor participation has also decreased, with a delivery volume of 4 lacs on September 3, which is down by 53.2% compared to the 5-day average. Although the stock is currently trading above its 5-day and 20-day moving averages, it is below its 50-day, 100-day, and 200-day moving averages, indicating a bearish trend. <BR><BR>Despite the company showing strong long-term fundamental strength, with a return on equity (ROE) of 15.92% and positive results over the last three consecutive quarters, the stock's year-to-date performance is down by 10.83%, which is worse than the Sensex's decline of 10.21%. This combination of factors contributes to the current downward movement in HDB Financial Services Ltd's stock price.

Should I buy, sell or hold HDB Financial Services Ltd?

What does HDB FINANC SER do?

HDB Financial Services Ltd is a mid-cap, retail-focused non-banking financial company (NBFC) and a subsidiary of HDFC Bank, offering diversified financial services. As of June 2026, it reported net sales of ₹4,938 Cr and a net profit of ₹785 Cr, with a market cap of ₹56,467 Cr.

Overview:<BR>HDB Financial Services Ltd is a leading, diversified, retail-focused non-deposit-taking non-banking financial company (NBFC) in the mid-cap category.<BR><BR>History:<BR>HDB Financial Services Ltd was incorporated on June 4, 2007, as a subsidiary of HDFC Bank Limited. It is classified as an Upper Layer NBFC by the Reserve Bank of India (RBI). The latest quarterly results reported net sales and profit for June 2026.<BR><BR>Financial Snapshot:<BR>Net Sales: 4,938 Cr (Quarterly Results - Jun 2026) <BR>Net Profit: 785 Cr (Quarterly Results - Jun 2026) <BR>Market Cap: INR 56,467 Cr (Mid Cap)<BR><BR>Key Metrics:<BR>P/E: 21.00 <BR>Industry P/E: 21 <BR>Dividend Yield: 0.59% <BR>Debt-Equity: 4.80 <BR>Return on Equity: 13.36% <BR>Price to Book: 2.73 <BR><BR>Contact Details:<BR>No Company Details Available <BR>Registrar Address: Not available.

Who are the peers of the HDB FINANC SER?

HDB FINANC SER's peers include Jio Financial, Muthoot Finance, Aditya Birla Cap, L&T Finance Ltd, SBI Cards, M & M Fin. Serv., Sundaram Finance, Authum Invest., and Poonawalla Fin. Management risk varies from Excellent at Muthoot Finance and SBI Cards to Average at Jio Financial, while growth ratings range from Excellent at Jio Financial to Below Average at HDB FINANC SER.

Peers: The peers of HDB FINANC SER are Jio Financial, Muthoot Finance, Aditya Birla Cap, L&T Finance Ltd, SBI Cards, M & M Fin. Serv., Sundaram Finance, Authum Invest., and Poonawalla Fin.<BR><BR>Quality Snapshot: Excellent management risk is observed at Muthoot Finance and SBI Cards, while Good management risk is found at HDB FINANC SER, Sundaram Finance, and M & M Fin. Serv. Average management risk is noted at Jio Financial, L&T Finance Ltd, Authum Invest., Poonawalla Fin, and the rest. Growth ratings show Excellent growth at Jio Financial, Good growth at Muthoot Finance, M & M Fin. Serv., and Poonawalla Fin, while HDB FINANC SER and L&T Finance Ltd have Below Average growth, and the rest have Average growth. Capital Structure is Excellent for Muthoot Finance, Aditya Birla Cap, L&T Finance Ltd, M & M Fin. Serv., Sundaram Finance, and Poonawalla Fin, while HDB FINANC SER has Good capital structure, and Average capital structure is found at Jio Financial and Authum Invest.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Aditya Birla Cap at 45.29%, while the lowest is Jio Financial at -23.30%. HDB FINANC SER's 1-year return is -12.36%, which is higher than Jio Financial's but lower than Muthoot Finance's 13.43%. Additionally, the peers with negative six-month returns include SBI Cards, HDB FINANC SER, Sundaram Finance, and Authum Invest.

How big is HDB FINANC SER?

As of 31st August, HDB Financial Services Ltd has a market capitalization of 56,467.00 Cr, with Net Sales of 12,076.50 Cr and a Net Profit of 1,659.40 Cr in the latest four quarters. Shareholder's Funds are 15,819.75 Cr, and Total Assets amount to 1,07,780.04 Cr.

As of 31st August, HDB Financial Services Ltd has a market capitalization of 56,467.00 Cr, categorizing it as a Mid Cap company.<BR><BR>In the latest four quarters, the company reported Net Sales of 12,076.50 Cr and a Net Profit of 1,659.40 Cr.<BR><BR>For the latest annual period, the Shareholder's Funds were 15,819.75 Cr, and the Total Assets amounted to 1,07,780.04 Cr.

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.

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.

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.