HDB Financial Services Limited
HDB Financial Services Limited operates in Non Banking Financial Company (NBFC), part of the Financial Services sector. It booked ₹5,005 cr of revenue in its latest quarter (Q2 FY27) and kept 15.6% of sales as profit.
From the company's standalone segment filings (Ind AS 108). Margin is segment operating profit (before interest & tax) over segment revenue; reconciliation rows like inter-segment eliminations are excluded from the mix.
“HDBFS stands on a foundation of scale, prudence and consistency. Our strategic priorities remain clearly defined: Growth with substance, controlled credit cost and improving asset quality, enhancing stakeholder’s values. Every milestone we reach is a collective effort and I am grateful to our entire team for their commitment to building something that is designed to last.”
“is to serve this aspirational India momentum, as we successfully scaled Asset quality remains a core priority.”
Healthier than 55% of companies in Financial Services, on the 4 of 6 measures we could read for it. Each measure is ranked against the 192–253 companies that reported it.
Measures financial condition, not whether to buy. Learn what this score means · How this is calculated
- RSI (14)
- 25
At close. Not part of the score.
How much profit it earns on the money it employs
Whether reported profit actually arrives as cash
What today's price implies, against our models or its peers
How much of the promoters' stake is pledged, and how much they hold · highest in its sector on what we could measure
Not measurable for this company: balance sheet, growth & consistency. Those pillars are left out of the score rather than counted as zero.
What if I invest in HDBFS?
Set a growth rate and see what a monthly SIP would add up to. Your assumption, our arithmetic.
The starting rate is a round number, not a view on this company — this is your assumption, and the figure above is arithmetic on it. Returns are not steady year to year, and a real holding would not grow in a straight line. We do not publish price targets or predict returns.
P/E, ROE, ROCE and margins are annualised from the latest quarter; per-share and balance-sheet ratios use the most recent balance sheet on file · prices as of 2026-11-04.
An educational model from the company's own filings, every assumption shown — not investment advice or a price target. Prices can stay above or below any model for years.
| Revenue from Operations | ₹5,005 cr |
| Other Income | ₹0 cr |
| Total Income | ₹5,005 cr |
| Cost of Materials | ₹0 cr |
| Purchases of Stock-in-Trade | ₹0 cr |
| Employee Benefit Expense | ₹1,016 cr |
| Finance Costs | ₹1,817 cr |
| Depreciation & Amortisation | ₹57 cr |
| Other Expenses | ₹341 cr |
| Total Expenses | ₹3,962 cr |
| Profit before Tax | ₹1,044 cr |
| Tax Expense | ₹264 cr |
| Net Profit | ₹780 cr |
| Net margin on total income | 15.6% |
| Metric | Q4 FY26 | Q1 FY27 | Q2 FY27 |
|---|---|---|---|
| Revenue | 4,745 cr | 4,938 cr | 5,005 cr |
| Total income | 4,745 cr | 4,938 cr | 5,005 cr |
| Expenses | 3,734 cr | 3,883 cr | 3,962 cr |
| Profit before tax | 1,011 cr | 1,055 cr | 1,044 cr |
| Tax | 261 cr | 270 cr | 264 cr |
| Net profit (owners' share) | 751 cr | 785 cr | 780 cr |
| Net margin (owners' share, on revenue) | 15.8% | 15.9% | 15.6% |
| EPS (₹) | 9.04 | 9.46 | 9.39 |
| Company | Price | Market cap | P/E | ROE | Net margin | 1-yr return |
|---|---|---|---|---|---|---|
| Bajaj Finance Limited | ₹970 | ₹6.04 L cr | 24.1 | 20.3% | 25.5% | — |
| Shriram Finance Limited | ₹885 | ₹2.08 L cr | 14.1 | 13.2% | 26.7% | — |
| Cholamandalam Investment and Finance Company Limited | ₹1,650 | ₹1.42 L cr | 21.6 | 20.4% | 18.8% | — |
| Tata Capital Limited | ₹334 | ₹1.41 L cr | 21.3 | 13.6% | 17.8% | — |
| Muthoot Finance Limited | ₹2,528 | ₹1.01 L cr | 7.8 | 29.6% | 32.5% | — |
| L&T Finance Limited | ₹253 | ₹63,315 cr | 16.2 | 13.3% | 17.8% | — |
| SBI Cards and Payment Services Limited | ₹537 | ₹51,108 cr | 16.4 | 18.1% | 15.1% | — |
| Piramal Finance Limited | ₹1,913 | ₹45,243 cr | 20.2 | 7.0% | 14.7% | — |
| Authum Investment & Infrastructure Limited | ₹528 | ₹44,800 cr | 10.1 | 70.4% | 176.5% | — |
| Action | Detail | Ex-date |
|---|---|---|
| Dividend | ₹2 / share | 23 Oct 2026 |
| Dividend | ₹2 / share | 18 Jun 2026 |
| Dividend | ₹2 / share | 24 Oct 2025 |
A company cannot decide everything on its own. Things like a top executive’s pay, issuing new shares, or re-appointing a director have to be put to the people who own the company, and they vote — one vote per share. So whoever owns the most shares has the most say.
Every vote count above is taken from the result the company filed with the stock exchange, certified by an independent counter. To work out what would have happened without the promoters, we simply remove their votes and re-apply the same legal bar the proposal had to clear. Nothing here is an estimate or an opinion.
Most Indian companies are controlled by a family or group — the promoters. The exchange requires them to be listed by name, including members who own no shares at all, and requires the company to disclose any business it does with them.
Names and holdings from the company’s shareholding pattern filed with the exchange; transactions from the related-party note in its annual report. Every figure is as filed — these are legal, disclosed dealings, and what to make of them is your call.
When a company raises money from investors, it has to say up front what the money is for. The rules then make it report, every three months until the money is gone, how much of each of those things it has actually paid for — so a promise made while asking for the money can be checked afterwards.
The company has not broken this money down into purposes in its filing for Sep 2026, so there is nothing to measure it against yet. CARE Ratings Limited watches the spending on the exchange’s behalf.
The company has not broken this money down into purposes in its filing for Sep 2025, so there is nothing to measure it against yet.
Every figure above is taken from the statement the company files with the stock exchange each quarter, for as long as money it has raised remains unspent. The only thing we work out is how much of each stated purpose has been paid for — one number divided by another from the same filing. Whether a plan that changed was a good change is not something a filing can tell you. See the filing