HDBFS Share Price | HDB Financial Services Ltd Stock Analysis & Recommendation

Q: How has been the historical performance of HDB FINANC SER?

Answer:The historical performance of HDB FINANC SER shows a mixed trend in its financial metrics over the past two years.Breakdown: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.

Q: Has HDB FINANC SER declared dividend?

HDB Financial Services Ltd has declared a 20% dividend.Dividend Details:- Percentage announced: 20%- Ex-date: 24 Oct 25Dividend Yield: 0%Total Returns by Period: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%.Over the 6-month period, the price return was 0%, the dividend return was 0%, leading to a total return of 0.0%.For the 1-year period, there was no price return, no dividend return, and thus a total return of 0.0%.In the 2-year period, the price return remained at 0%, with no dividend return, resulting in a total return of 0.0%.During the 3-year period, there was again no price return or dividend return, leading to a total return of 0.0%.For the 4-year period, the price return was 0%, the dividend return was 0%, resulting in a total return of 0.0%.Lastly, in the 5-year period, there was no price return, no dividend return, and consequently a total return of 0.0%.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.

Q: Why is HDB Financial Services Ltd falling/rising?

As of 27-Jan, HDB Financial Services Ltd is experiencing a slight rise in its stock price, currently at 699.60, with a change of 4.35 (0.63%) upwards. This increase comes despite the stock's recent poor performance over various periods, including a decline of 4.58% over the past week and 7.61% over the past month. Today, the stock has outperformed its sector by 1.32%, indicating a relative strength compared to its peers. Additionally, there has been a notable increase in investor participation, with delivery volume rising by 13.04% against the 5-day average, suggesting growing interest in the stock. However, it is important to note that HDB Financial Services Ltd is currently trading below its moving averages across multiple time frames, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, which typically indicates a bearish trend.Furthermore, the stock hit a new 52-week low of Rs. 687.75 earlier today, which may have contributed to the volatility in its price. Despite these challenges, the current uptick in price could be attributed to the increased trading activity and sector outperformance, reflecting some positive sentiment among investors.

Price Point

High/Low

1Day

52 Week

Valuation

Technical

Day's Volume

CASH

6.56 lacs (0.44%) Volume

Shareholding (Dec 2025)

FII

3.32%

Held by 94 FIIs

DII

0.18%

Held by 39 DIIs

Promoter

74.15%

How has been the historical performance of HDB FINANC SER?

15-Oct-2025

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.

View full answer

Has HDB FINANC SER declared dividend?

17-Oct-2025

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.

View full answer

Is HDB FINANC SER overvalued or undervalued?

11-Nov-2025

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.

View full answer

Which are the latest news on HDB FINANC SER?

27-Jan-2026

Is HDB FINANC SER overvalued or undervalued?

Why is HDB Financial Services Ltd falling/rising?

28-Jan-2026

As of 27-Jan, HDB Financial Services Ltd's stock price is at 699.60, showing a slight increase of 0.63%. Despite recent declines and trading below moving averages, increased investor participation and sector outperformance suggest growing interest.

View full answer

Compare HDB FINANC SER with Similar Stocks

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Unrated Stock - No Analysis Available

Mojo Parameters

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Stock DNA

Industry

Non Banking Financial Company (NBFC)

Market cap

INR 58,061 Cr (Large Cap)

P/E

27.00

Industry P/E

Dividend Yield

0.29%

Debt Equity

4.68

Return on Equity

11.25%

Price to Book

2.98

Revenue and Profits:

Net Sales:

4,674 Cr

(Quarterly Results - Dec 2025)

Net Profit:

644 Cr

Total Returns

Total Returns (Price + Dividend)

Dividend Yield (0.29%)

TimePeriod

Price Return

Dividend Return

Total Return

3 Months

-4.58%

6 Months

-8.05%

0.27%

-7.78%

1 Year

0.0%

2 Years

0.0%

3 Years

0.0%

4 Years

0.0%

5 Years

0.0%

Latest dividend: 2 per share ex-dividend date: Oct-24-2025

Risk Adjusted Returns v/s

Returns Beta

Beta has not been calculated since enough price history is not available

News & Corporate Actions

News

Is HDB FINANC SER overvalued or undervalued?

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. 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...

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Announcements

No announcement available

Corporate Actions

BOARD MEETING

No Upcoming Board Meetings

DIVIDEND

HDB Financial Services Ltd has declared 20% dividend, ex-date: 24 Oct 25

SPLITS

No Splits history available

BONUS

No Bonus history available

RIGHTS

No Rights history available

Key Factors

Quality key factors

Factor

Value

Sales Growth (5y)

15.00%

EBIT Growth (5y)

-11.40%

Net Debt to Equity (avg)

5.56

Institutional Holding

14.72%

ROE (avg)

15.92%

Valuation key factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

3.00

EV to EBIT

50.30

EV to EBITDA

47.17

EV to Capital Employed

1.36

EV to Sales

9.03

PEG Ratio

Dividend Yield

0.29%

ROCE (Latest)

2.70%

ROE (Latest)

11.25%

Technicals key factors

Indicator

Weekly

Monthly

No records

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Shareholding

Shareholding Snapshot : Dec 2025

Shareholding Compare (%holding)

Majority shareholders

Promoters

Pledged Promoter Holdings

None

Mutual Funds

Held by 22 Schemes (10.4%)

FIIs

Held by 94 FIIs (3.32%)

Promoter with highest holding

Hdfc Bank Limited (74.15%)

Highest Public shareholder

Kotak Midcap Fund (1.88%)

Individual Investors Holdings

9.71%

Financial

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          "val2": "3,094.90",
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Quarterly Results Snapshot (Standalone) - Dec'25 - QoQ

Dec'25

Sep'25

Change(%)

Net Sales

4,673.50

4,545.40

2.82%

Operating Profit (PBDIT) excl Other Income

2,615.50

2,528.60

3.44%

Interest

1,704.00

1,694.00

0.59%

Exceptional Items

0.00

Standalone Net Profit

643.90

581.40

10.75%

Operating Profit Margin (Excl OI)

55.96%

55.63%

0.33%

Values in Rs Cr.

Compare with Peers

Net Sales

QoQ Growth in quarter ended Dec 2025 is 2.82% vs 1.79% in Sep 2025

Standalone Net Profit

QoQ Growth in quarter ended Dec 2025 is 10.75% vs 2.41% in Sep 2025

All Quarterly Results

Half Yearly Results Snapshot (Standalone) - Sep'25

Sep'25

Sep'24

Change(%)

Net Sales

9,010.80

7,890.60

14.20%

Operating Profit (PBDIT) excl Other Income

1,618.60

1,674.80

-3.36%

Interest

3,433.70

3,094.90

10.95%

Exceptional Items

0.00

Standalone Net Profit

1,149.30

1,172.70

-2.00%

Operating Profit Margin (Excl OI)

17.96%

21.23%

-3.27%

Values in Rs Cr.

Compare with Peers

Net Sales

Growth in half year ended Sep 2025 is 14.20% vs 14.32% in Sep 2024

Standalone Net Profit

Growth in half year ended Sep 2025 is -2.00% vs 0.42% in Sep 2024

All Half Yearly Results

Nine Monthly Results Snapshot (Standalone) - Dec'25

Dec'25

Dec'24

Change(%)

Net Sales

13,684.30

12,034.20

13.71%

Operating Profit (PBDIT) excl Other Income

4,234.10

4,009.00

5.61%

Interest

5,137.70

4,739.70

8.40%

Exceptional Items

0.00

Standalone Net Profit

1,793.20

1,645.00

9.01%

Operating Profit Margin (Excl OI)

30.94%

33.31%

-2.37%

Values in Rs Cr.

Compare with Peers

Net Sales

YoY Growth in nine months ended Dec 2025 is 13.71% vs 3.96% in Dec 2024

Standalone Net Profit

YoY Growth in nine months ended Dec 2025 is 9.01% vs -9.20% in Dec 2024

All Nine Monthly Results

Annual Results Snapshot (Standalone) - Mar'25

Mar'25

Mar'24

Change(%)

Net Sales

16,300.30

14,171.10

15.02%

Operating Profit (PBDIT) excl Other Income

3,122.20

3,449.80

-9.50%

Interest

6,390.20

4,864.30

31.37%

Exceptional Items

0.00

Standalone Net Profit

2,175.90

2,460.80

-11.58%

Operating Profit Margin (Excl OI)

19.15%

24.34%

-5.19%

Values in Rs Cr.

Compare with Peers

Net Sales

Not Applicable: The company has declared_date for only one period

Standalone Net Profit

Not Applicable: The company has declared_date for only one period

All Annual Results

Company CV

About HDB Financial Services Ltd

HDB Financial Services Ltd

Large Cap

Non Banking Financial Company (NBFC)

No Details Available.

Company Coordinates

No Company Details Available

HDB FINANC SER

1Day

52 Week

CASH

FII

DII

Promoter

How has been the historical performance of HDB FINANC SER?

Watch in Real-Time

Has HDB FINANC SER declared dividend?

Is HDB FINANC SER overvalued or undervalued?

Which are the latest news on HDB FINANC SER?

Why is HDB Financial Services Ltd falling/rising?

Compare HDB FINANC SER with Similar Stocks

MarketsMojo — Loved in India, Now Global

Dashboard

Mojo Parameters

Stock DNA

Total Returns (Price + Dividend)

Risk Adjusted Returns v/s

Returns Beta

News

Is HDB FINANC SER overvalued or undervalued?

Announcements

Corporate Actions

Quality key factors

Valuation key factors

Technicals key factors

Shareholding Snapshot : Dec 2025

Shareholding Compare (%holding)

Quarterly Results Snapshot (Standalone) - Dec'25 - QoQ

Half Yearly Results Snapshot (Standalone) - Sep'25

Nine Monthly Results Snapshot (Standalone) - Dec'25

Annual Results Snapshot (Standalone) - Mar'25

About HDB Financial Services Ltd

Company Coordinates