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.

Why is HDB Financial Services Ltd falling/rising?

As of 17-Mar, HDB Financial Services Ltd's stock price is at 644.45, showing a slight increase after a decline, but it remains below key moving averages and close to its 52-week low, indicating ongoing weakness. Despite reduced investor participation, the company has strong long-term fundamentals and increasing institutional support.

As of 17-Mar, HDB Financial Services Ltd's stock price is rising, currently at 644.45, reflecting an increase of 2.25 (0.35%). This upward movement comes after a period of four consecutive days of decline, indicating a potential trend reversal. Despite this recent rise, the stock has underperformed its sector by 0.43% today and is still trading lower than its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, suggesting ongoing weakness in its price performance.<BR><BR>The stock is also close to its 52-week low, just 1.78% away from Rs 633.15, which may indicate a lack of strong bullish momentum. Additionally, there has been a significant drop in investor participation, with delivery volume falling by 44.35% compared to the 5-day average, which could reflect reduced interest among retail investors.<BR><BR>On a more positive note, the company has shown strong long-term fundamental strength, with an average Return on Equity (ROE) of 15.92%. Furthermore, institutional investors have increased their stake by 0.63% in the previous quarter, now holding 14.72% of the company, which may provide some support for the stock's price in the long run. The recent positive financial results, including record net sales and profit after tax, could also contribute to the stock's resilience despite the current challenges.

Why is HDB Financial Services Ltd falling/rising?

As of 18-Mar, HDB Financial Services Ltd's stock price is rising to 655.45, reflecting a 1.71% increase. This rise is driven by recent price gains, increased investor participation, strong financial performance, and growing institutional interest.

As of 18-Mar, HDB Financial Services Ltd's stock price is rising, currently at 655.45, reflecting an increase of 11.0 points or 1.71%. This upward movement can be attributed to several factors. Firstly, the stock has been gaining for the last two days, with a total return of 2.06% during this period. Additionally, it outperformed its sector by 0.36% today, indicating stronger performance relative to its peers.<BR><BR>The stock also reached an intraday high of Rs 658, which is a 2.1% increase from its previous close. Furthermore, there has been a notable rise in investor participation, with delivery volume on March 17 increasing by 45.42% compared to the five-day average. This suggests heightened interest and confidence among investors.<BR><BR>Moreover, the company has demonstrated strong long-term fundamental strength, evidenced by a solid average Return on Equity (ROE) of 15.92%. Positive financial results reported for December, including record net sales and profit before tax, further bolster investor sentiment. Additionally, institutional investors have increased their stake in the company by 0.63% over the previous quarter, indicating a growing confidence from more sophisticated market participants.<BR><BR>In summary, the combination of recent price gains, increased investor participation, strong financial performance, and rising institutional interest are key factors contributing to the rise in HDB Financial Services Ltd's stock price.

Why is HDB Financial Services Ltd falling/rising?

As of 19-Mar, HDB Financial Services Ltd's stock price has declined to Rs 634.20, down 3.24%, due to a bearish trend indicated by trading below key moving averages and a broader decline in the finance sector. Despite some positive indicators, the stock has underperformed relative to the market, with a 12.45% drop over the past month.

As of 19-Mar, HDB Financial Services Ltd is experiencing a decline in its stock price, currently at Rs 634.20, which reflects a decrease of Rs 21.25 or 3.24%. This drop can be attributed to several factors highlighted in the provided data. <BR><BR>Firstly, the stock has opened with a loss of 2.07% today and reached an intraday low of Rs 630, marking a significant decline of 3.88%. Additionally, the stock is trading below its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, indicating a bearish trend. The overall performance of the finance/NBFC sector has also contributed to this decline, with the sector falling by 3.83%.<BR><BR>Despite some positive indicators, such as a rise in delivery volume by 2.67% against the 5-day average and strong long-term fundamentals, the recent trend shows that the stock has fallen after two consecutive days of gains. Furthermore, the stock's performance over the past month has been poor, with a decline of 12.45%, compared to a 10.05% drop in the Sensex, suggesting that it is underperforming relative to the broader market.<BR><BR>In summary, the combination of a bearish trend in the stock's moving averages, a significant drop in the stock price today, and the overall decline in the finance sector are the primary reasons for the falling stock price of HDB Financial Services Ltd.

Why is HDB Financial Services Ltd falling/rising?

As of 20-Mar, HDB Financial Services Ltd's stock price is Rs 634.10, reflecting a slight decline and a bearish trend, having underperformed the market over the past week and month. Despite some positive indicators, such as increased investor participation and institutional confidence, the stock remains close to its 52-week low.

As of 20-Mar, HDB Financial Services Ltd is experiencing a slight decline in its stock price, currently at Rs 634.10, which reflects a change of -0.1 (-0.02%). The stock has been on a downward trend, having fallen consecutively for the last two days, resulting in a total decline of -3.26% 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>In terms of performance relative to the market, the stock has underperformed over the past week and month, with declines of -1.27% and -11.83%, respectively, compared to the Sensex, which has only decreased by -0.04% and -10.00% in the same periods. Furthermore, the stock is close to its 52-week low, being only 0.65% away from Rs 630.<BR><BR>Despite these negative indicators, there are some positive aspects to consider. The stock has outperformed its sector by 0.55% today, and there has been a notable increase in investor participation, with delivery volume rising by 19.94% against the 5-day average. Additionally, institutional investors have increased their stake in the company by 0.63% over the previous quarter, suggesting a level of confidence in the company's long-term fundamentals, which include a strong average Return on Equity (ROE) of 15.92%.<BR><BR>Overall, while there are some positive signs, the prevailing trend indicates that HDB Financial Services Ltd is currently facing downward pressure on its stock price.

Why is HDB Financial Services Ltd falling/rising?

As of 23-Mar, HDB Financial Services Ltd's stock price is declining, currently at 606.10, down 4.42%. It has hit a 52-week low and is underperforming compared to the market, with significant losses over the past week and month.

As of 23-Mar, HDB Financial Services Ltd is experiencing a decline in its stock price, currently at 606.10, which reflects a change of -28.0 (-4.42%). The stock has been underperforming in the market, with a notable drop of -5.62% over the past week and a significant -15.75% over the past month, compared to the Sensex's declines of -3.72% and -12.72%, respectively. <BR><BR>Today, the stock hit a new 52-week low of Rs 600.6, indicating a downward trend. It has also fallen consecutively for the last three days, accumulating a total decline of -7.53% during this period. The stock is trading below its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, further suggesting a bearish trend.<BR><BR>Additionally, the finance/NBFC sector has seen a decline of -3.9%, which may be contributing to the stock's poor performance. Despite a rise in investor participation, with delivery volume increasing by 95.75% on March 20, the overall market sentiment and sector performance appear to be negatively impacting HDB Financial Services Ltd's stock price.

Why is HDB Financial Services Ltd falling/rising?

As of 24-Mar, HDB Financial Services Ltd's stock price is declining, currently at Rs. 605.50, with a total drop of -7.62% over the last four days and a new 52-week low of Rs. 590.3. The stock has underperformed significantly compared to the market and its sector, with a year-to-date decline of -20.87%.

As of 24-Mar, HDB Financial Services Ltd is experiencing a decline in its stock price, currently at Rs. 605.50, reflecting a change of -0.6 (-0.1%). The stock has been underperforming significantly, with a consecutive fall over the last four days, resulting in a total decline of -7.62% during this period. Additionally, the stock has hit a new 52-week low of Rs. 590.3 today.<BR><BR>In terms of performance relative to the market, HDB Financial Services has seen a substantial drop of -15.43% over the past month, compared to a -9.92% decline in the Sensex. Year-to-date, the stock is down -20.87%, while the Sensex has decreased by -13.09%. This underperformance is further highlighted by the fact that the stock is trading below its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages.<BR><BR>Despite some positive indicators, such as strong long-term fundamental strength and increased participation from institutional investors, these factors have not been sufficient to counteract the recent negative price movements. The finance/NBFC sector has gained by 2.38%, indicating that the broader market is not the cause of HDB's decline. Instead, the stock's performance today has underperformed its sector by -2.42%. <BR><BR>Overall, the combination of consecutive price falls, underperformance against benchmarks, and hitting a new low contributes to the current downward trend in HDB Financial Services Ltd's stock price.

Why is HDB Financial Services Ltd falling/rising?

As of 25-Mar, HDB Financial Services Ltd's stock price is rising to Rs 611.65 after a trend reversal, despite underperforming its sector and trading below moving averages. Increased investor participation and institutional interest may indicate potential for recovery, although challenges remain.

As of 25-Mar, HDB Financial Services Ltd's stock price is rising, currently at Rs 611.65, reflecting a change of 6.15 (1.02%) upward. This increase comes after a trend reversal, as the stock has gained following four consecutive days of decline. Additionally, the stock touched an intraday high of Rs 619.9, indicating positive momentum during the trading session.<BR><BR>Despite the recent rise, the stock has underperformed its sector by 1.85% today and is still trading below its moving averages across various time frames, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages. This suggests that while there is a short-term uptick, the longer-term trend remains weak.<BR><BR>Investor participation has notably increased, with delivery volume rising by 53.12% compared to the 5-day average, which may indicate growing interest among investors. Furthermore, institutional investors have increased their stake by 0.63% over the previous quarter, now holding 14.72% of the company, which could contribute to a more stable outlook for the stock.<BR><BR>Overall, the combination of a recent price increase, increased investor participation, and institutional interest suggests a potential for recovery, even as the stock continues to face challenges in the broader market context.

Which are the latest news on HDB FINANC SER?