HDB Financial Services Ltd (HDBFS) Stock Analysis | Price, Returns, Financials & Key Metrics

Price Point

High/Low

1Day

52 Week

Valuation

Technical

Day's Volume

CASH

4.58 lacs (-30.30%) Volume

Shareholding (Sep 2025)

FII

3.17%

Held by 102 FIIs

DII

0.18%

Held by 39 DIIs

Promoter

74.19%

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.

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.

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.

Which are the latest news on HDB FINANC SER?

06-Dec-2025

Is HDB FINANC SER overvalued or undervalued?
Has HDB FINANC SER declared dividend?

Why is HDB FINANC SER falling/rising?

07-Dec-2025

As of 06-Dec, HDB Financial Services Ltd's stock price is slightly rising at 746.85, but it has underperformed its sector today and experienced a decline of 2.70% over the past week. Despite a recent uptick, mixed performance indicators and decreased investor participation suggest waning interest.

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Dashboard

Unrated Stock - No Analysis Available

Mojo Parameters

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Stock DNA

Industry

Non Banking Financial Company (NBFC)

Market cap

INR 61,595 Cr (Large Cap)

P/E

28.00

Industry P/E

Dividend Yield

0.27%

Debt Equity

4.68

Return on Equity

11.25%

Price to Book

3.21

Revenue and Profits:

Net Sales:

4,545 Cr

(Quarterly Results - Sep 2025)

Net Profit:

581 Cr

Total Returns

Total Returns (Price + Dividend)

Dividend Yield (0.27%)

TimePeriod

Price Return

Dividend Return

Total Return

3 Months

0.25%

6 Months

0.0%

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...

Has HDB FINANC SER declared dividend?

HDB Financial Services Ltd has declared a 20% dividend. Dividend Details: - Percentage announced: 20% - Ex-date: 24 Oct 25 Dividend 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, t...

Is HDB FINANC SER overvalued or undervalued?

As of 16 October 2025, the valuation grade for HDB Financial Services has moved from expensive to fair, indicating a more favorable assessment of its market position. The company is currently fairly valued, with a PE ratio of 28.12, an EV to EBITDA ratio of 44.29, and an ROE of 1.13%. In comparison to peers, Bajaj Finance is rated as very expensive with a PE ratio of 38.01, while Life Insurance stands out as very attractive with a PE of 11.63. This suggests that HDB Financial Services is positioned competitively within its sector, although it still carries a higher valuation compared to some peers. Notably, the stock has underperformed against the Sensex over the past month, which may reflect broader market trends affecting investor sentiment....

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

14.09%

ROE (avg)

15.92%

Valuation key factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

3.20

EV to EBIT

51.63

EV to EBITDA

48.42

EV to Capital Employed

1.39

EV to Sales

9.27

PEG Ratio

Dividend Yield

0.27%

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 : Sep 2025

Shareholding Compare (%holding)

Majority shareholders

Promoters

Pledged Promoter Holdings

None

Mutual Funds

Held by 23 Schemes (10.01%)

FIIs

Held by 102 FIIs (3.17%)

Promoter with highest holding

Hdfc Bank Limited (74.19%)

Highest Public shareholder

Nippon Life India Trustee Ltd- A/c Nippon India Growth Mid Cap Fund (1.8%)

Individual Investors Holdings

10.22%

Financial

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        "Jun'25",
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          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "2,528.60",
          "val2": "2,523.60",
          "chgp": "0.20%",
          "chgp_class": "positive"
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        {
          "field": "Interest",
          "val1": "1,694.00",
          "val2": "1,739.70",
          "chgp": "-2.63%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
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          "val1": "581.40",
          "val2": "567.70",
          "chgp": "2.41%",
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          "field": "Operating Profit Margin (Excl OI)",
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          "val2": "56.51%",
          "chgp": "-0.88%",
          "chgp_class": "negative"
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    "link": "half-yearly",
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        "prefix": "Net Sales ",
        "suffix": " Growth in half year ended Sep 2025 is 14.20% vs 14.32% in Sep 2024",
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        "prefix": "Standalone Net Profit ",
        "suffix": " Growth in half year ended Sep 2025 is -2.00% vs 0.42% in Sep 2024",
        "dir": -1
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      "header": [
        "Sep'25",
        "Sep'24",
        "Change(%)"
      ],
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          "field": "Net Sales",
          "val1": "9,010.80",
          "val2": "7,890.60",
          "chgp": "14.20%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "1,618.60",
          "val2": "1,674.80",
          "chgp": "-3.36%",
          "chgp_class": "negative"
        },
        {
          "field": "Interest",
          "val1": "3,433.70",
          "val2": "3,094.90",
          "chgp": "10.95%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
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        {
          "field": "Standalone Net Profit",
          "val1": "1,149.30",
          "val2": "1,172.70",
          "chgp": "-2.00%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "17.96%",
          "val2": "21.23%",
          "chgp": "-3.27%",
          "chgp_class": "negative"
        }
      ]
    }
  },
  {
    "link": "nine-monthly",
    "btn_text": "All Nine Monthly Results",
    "header": "Nine Monthly Results Snapshot (Standalone) - Dec'24",
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      {
        "prefix": "Net Sales ",
        "suffix": "Not Applicable: The company has declared_date for only one period",
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        "prefix": "Standalone Net Profit ",
        "suffix": "Not Applicable: The company has declared_date for only one period",
        "dir": 0
      }
    ],
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        "Dec'24",
        "Sep'25",
        "Change(%)"
      ],
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          "val1": "12,034.20",
          "val2": "11,447.90",
          "chgp": "5.12%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "4,009.00",
          "val2": "4,162.70",
          "chgp": "-3.69%",
          "chgp_class": "negative"
        },
        {
          "field": "Interest",
          "val1": "4,739.70",
          "val2": "3,925.60",
          "chgp": "20.74%",
          "chgp_class": "negative"
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          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
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        {
          "field": "Standalone Net Profit",
          "val1": "1,645.00",
          "val2": "1,749.20",
          "chgp": "-5.96%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "33.31%",
          "val2": "36.36%",
          "chgp": "-3.05%",
          "chgp_class": "negative"
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      ]
    }
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    "rhs": [
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        "prefix": "Net Sales ",
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        "suffix": "Not Applicable: The company has declared_date for only one period",
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Quarterly Results Snapshot (Standalone) - Sep'25 - QoQ

Sep'25

Jun'25

Change(%)

Net Sales

4,545.40

4,465.40

1.79%

Operating Profit (PBDIT) excl Other Income

2,528.60

2,523.60

0.20%

Interest

1,694.00

1,739.70

-2.63%

Exceptional Items

0.00

Standalone Net Profit

581.40

567.70

2.41%

Operating Profit Margin (Excl OI)

55.63%

56.51%

-0.88%

Values in Rs Cr.

Compare with Peers

Net Sales

QoQ Growth in quarter ended Sep 2025 is 1.79% vs 4.67% in Jun 2025

Standalone Net Profit

QoQ Growth in quarter ended Sep 2025 is 2.41% vs 6.93% in Jun 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'24

Dec'24

Sep'25

Change(%)

Net Sales

12,034.20

11,447.90

5.12%

Operating Profit (PBDIT) excl Other Income

4,009.00

4,162.70

-3.69%

Interest

4,739.70

3,925.60

20.74%

Exceptional Items

0.00

Standalone Net Profit

1,645.00

1,749.20

-5.96%

Operating Profit Margin (Excl OI)

33.31%

36.36%

-3.05%

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 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 FINANC SER falling/rising?

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?

Has HDB FINANC SER declared dividend?

Is HDB FINANC SER overvalued or undervalued?

Announcements

Corporate Actions

Quality key factors

Valuation key factors

Technicals key factors

Shareholding Snapshot : Sep 2025

Shareholding Compare (%holding)

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

Half Yearly Results Snapshot (Standalone) - Sep'25

Nine Monthly Results Snapshot (Standalone) - Dec'24

Annual Results Snapshot (Standalone) - Mar'25

About HDB Financial Services Ltd

Company Coordinates