Question 1

How has been the historical performance of HDB FINANC SER?

Accepted Answer

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.

Question 2

Has HDB FINANC SER declared dividend?

Accepted Answer

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.

Question 3

Is HDB FINANC SER overvalued or undervalued?

Accepted Answer

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 0.93% over the past week compared to a decline in the Sensex.

Question 4

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

Accepted Answer

Based on the current analysis of HDB Financial Services Ltd, the recommendation is to hold your position in the stock. The company demonstrates strong long-term fundamental strength, evidenced by an average Return on Equity (ROE) of 15.92%. Recent quarterly results show impressive figures, with net sales reaching Rs 4,745.40 crore and a highest PBDIT of Rs 2,748.00 crore, indicating solid operational performance.While the stock has generated a return of NA over the past year, profits have increased by 17%, which is a positive sign. Additionally, the participation of institutional investors is on the rise, with their stake increasing by 0.57% to a total of 15.29%. This suggests confidence in the company's fundamentals, as institutional investors typically have more resources to analyze such factors.However, it's important to note that the company has faced challenges with poor long-term growth, as indicated by an annual decline in operating profit of -11.40%. Given the mixed signals—strong short-term performance but concerning long-term growth—it would be prudent to hold your investment for now while monitoring future developments.

Question 5

Why is HDB Financial Services Ltd falling/rising?

Accepted Answer

As of 30-Apr, HDB Financial Services Ltd's stock price is falling, currently at 656.20, reflecting a decrease of 11.2 points or 1.68%. This decline is evident in today's performance, where the stock underperformed its sector by 0.83%. Additionally, the stock touched an intraday low of Rs 653.9, marking a decrease of 2.02% during the trading session.The stock's recent performance over the past week shows a slight decline of 0.51%, while it has performed significantly better over the past month with an increase of 17.17%. However, year-to-date, the stock has seen a substantial drop of 14.24%, compared to a lesser decline of 9.75% in the benchmark Sensex. Investor participation appears to be waning, as evidenced by a 41.68% drop in delivery volume compared to the five-day average. Although the stock remains liquid enough for trading, the falling investor participation could be a contributing factor to the price decline. Despite the current downturn, the company has demonstrated strong long-term fundamental strength, with a return on equity (ROE) of 15.92% and positive financial results reported for the last quarter. However, these positive factors have not been sufficient to counteract the recent price drop, indicating that market sentiment may currently be influenced more by short-term trading dynamics rather than long-term fundamentals.

HDB FINANC SER

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How has been the historical performance of HDB FINANC SER?

Has HDB FINANC SER declared dividend?

Is HDB FINANC SER overvalued or undervalued?

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

Why is HDB Financial Services Ltd falling/rising?

Which are the latest news on HDB FINANC SER?

Compare HDB FINANC SER with Similar Stocks

Dashboard

Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 15.92%

Poor long term growth as Operating profit has grown by an annual rate of -11.40%

Positive results in Mar 26

With ROE of 12.3, it has a Fair valuation with a 2.6 Price to Book Value

Increasing Participation by Institutional Investors

Mojo Parameters

Stock DNA

Total Returns (Price + Dividend)

Risk Adjusted Returns v/s

Returns Beta

News

HDB Financial Services Upgraded to Hold on Improved Fundamentals and Valuation

HDB Financial Services Upgrades Quality Grade Amid Mixed Financial Signals

HDB Financial Services Ltd is Rated Sell

Announcements

Announcement under Regulation 30 (LODR)-Allotment

Compliances-Reg.24(A)-Annual Secretarial Compliance

Announcement under Regulation 30 (LODR)-Allotment

Corporate Actions

Quality key factors

Valuation key factors

Technicals key factors

Shareholding Snapshot : Mar 2026

Shareholding Compare (%holding)

Quarterly Results Snapshot (Standalone) - Mar'26 - QoQ

Half Yearly Results Snapshot (Standalone) - Sep'25

Nine Monthly Results Snapshot (Standalone) - Dec'25

Annual Results Snapshot (Standalone) - Mar'26

About HDB Financial Services Ltd

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