Valuation Key Factors 
Factor
Value
P/E Ratio
27
Industry P/E
22
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
NA
Dividend Yield
0.29%
ROCE (Latest)
2.70%
ROE (Latest)
11.25%
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10What is working for the Company
NET SALES(Q)
Highest at Rs 4,673.50 cr
PBDIT(Q)
Highest at Rs 2,615.50 cr.
PAT(Q)
Highest at Rs 643.90 cr.
PBT LESS OI(Q)
At Rs 860.30 cr has Grown at 20.3% (vs previous 4Q average
EPS(Q)
Highest at Rs 7.76
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
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Here's what is working for HDB FINANC SER
Net Sales - Quarterly
Highest at Rs 4,673.50 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Net Sales (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 2,615.50 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 860.30 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 643.90 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 860.30 cr has Grown at 20.3% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 714.93 CrMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 7.76
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)






