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Discovery themes featuring this stock
HDB Financial Services Limited, a subsidiary of HDFC Bank, is a leading diversified retail-focused NBFC in India, serving 22 million customers through three main business lines: Enterprise Lending, Asset Finance, and Consumer Finance.
Q3FY26 saw all-time high disbursements of ₹17,917 crores, reflecting a 14.9% sequential growth, driven by consumer finance and asset-backed businesses, indicating strong market demand and expanding reach.
The company reported a significant PAT growth of 36% YoY for the quarter, with a strong net interest margin of 8.1%, highlighting efficient margin management and a favorable lending environment.
Despite economic headwinds, HDB Financial Services maintained a strong asset quality, with Gross Stage 3 loans stable at 2.81% and improved asset quality at stages 1 and 2, demonstrating effective risk management.
A focus on technological advancement is evident through their "HDB OnTheGo" app, serving over 1.28 crore downloads, enhancing customer engagement and streamlining loan processes.
Finance
Non Banking Financial Company (NBFC)
55,599 Cr
High Risk
21.5
19.3
0.6
3.0
891.65
557.00
Sales CAGR
Profit CAGR
ROE
ROCE
| Symbol | Watchlist | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
287.35 | 72,711 Cr | 25.69 | 2.76 | 0.94 | 10.24 | 8.04 | 2.21 | ||
671.35 | 64,519 Cr | 30.56 | 4.36 | 0.37 | 12.97 | 8.88 | 2.99 | ||
587.95 | 55,599 Cr | 21.51 | 3.03 | 0.43 | 13.75 | 8.99 | 2.00 | ||
4591.40 | 55,571 Cr | 24.59 | 3.67 | 0.70 | 13.03 | 8.79 | 2.41 | ||
286.75 | 42,193 Cr | 16.54 | 1.70 | 1.90 | 9.96 | 8.32 | 1.59 | ||
462.95 | 39,689 Cr | 10.82 | 2.44 | 0.03 | 24.66 | 18.84 | 18.10 | ||
1765.40 | 37,171 Cr | -1918.91 | 1.36 | 0.00 | 2.91 | 6.46 | 1.07 | ||
| Median: 7 Co. | — | 587.95 | 55,571 Cr | 21.51 | 2.76 | 0.43 | 12.97 | 8.79 | 2.21 |
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HDB Financial Services Ltd (HDBFS) is currently trading at 684.05 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.
HDB Financial Services Limited, a subsidiary of HDFC Bank, is a leading diversified retail-focused NBFC in India, serving 22 million customers through three main business lines: Enterprise Lending, Asset Finance, and Consumer Finance. Q3FY26 saw all-time high disbursements of ₹17,917 crores, reflecting a 14.9% sequential growth, driven by consumer finance and asset-backed businesses, indicating strong market demand and expanding reach. The company reported a significant PAT growth of 36% YoY for the quarter, with a strong net interest margin of 8.1%, highlighting efficient margin management and a favorable lending environment. Despite economic headwinds, HDB Financial Services maintained a strong asset quality, with Gross Stage 3 loans stable at 2.81% and improved asset quality at stages 1 and 2, demonstrating effective risk management. A focus on technological advancement is evident through their "HDB OnTheGo" app, serving over 1.28 crore downloads, enhancing customer engagement and streamlining loan processes.
Over the past 52 weeks, HDB Financial Services Ltd has traded between a low of ₹557.00 and a high of ₹891.65. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.
HDB Financial Services Ltd has a market capitalization of approximately 55,598.71. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.
HDB Financial Services Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 21.51 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.
Based on its market capitalization of 55,598.71 Cr, HDB Financial Services Ltd is classified as a Mid Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.
HDB Financial Services Ltd operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.
The Price-to-Earnings (PE) ratio of HDB Financial Services Ltd is 21.51. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.
The most significant positive is the comprehensive support package for the MSME sector, including a ₹10,000 crore growth fund and enhancements to the TReDS platform. This strengthens HDB's core customer base, potentially improving asset quality.
HDB Financial Services reported a net profit of ₹644 crore for Q3 FY26, a 36.3% increase compared to the ₹472 crore earned in the same period last year.
Bearish
4
Neutral
5
Bullish
5
Bearish
9
Neutral
9
Bullish
28
Bearish
5
Neutral
4
Bullish
23
Audited Results Revision
HDB Financial Services has revised its audited standalone financial results for the quarter and year ended Mar 31, 2026 to correct a clerical error in the cash‑and‑cash‑equivalents footnote for FY2025 (demand drafts on hand: 352 -> 56); no other changes.
Audited Results Revision
HDB Financial Services revised its audited standalone results for Q4/YE Mar 31, 2026 to correct a clerical error in FY2025 cash equivalents: demand drafts reduced from Rs.352m to Rs.56m and total from Rs.9,800m to Rs.9,504m; no other changes and audit opinion unchanged.
Monitoring Agency Report
CARE Ratings (Monitoring Agency) reports no material deviation in utilisation of HDB Financial Services' IPO proceeds for the quarter ended Mar 31, 2026; all proceeds used as disclosed except ₹2 crore reallocated from Tier‑I augmentation to issue/offer expenses requiring shareholder approval.
Audited Results & Fundraise
HDB Financial Services filed audited standalone financial results for Q4 and FY2026 with an unmodified audit opinion; board approved debt issuance up to ₹32,824.72 Cr (private placement, subject to shareholder approval) and recommended a final dividend of ₹2/share (subject to shareholder approval).
Audited Results
HDB Financial Services reported audited Q4FY26 and FY26 results: Q4 net interest income ₹2,399cr (+21.6%), Q4 PAT ₹751cr (+41.4%), FY26 PAT ₹2,544cr (+16.9%), AUM ₹1,18,733cr; Gross Stage 3 2.44%.
Earnings Presentation
HDB Financial Services published an investor presentation for audited standalone Q4/FY26 results: Gross loan book ₹118,493 Cr; Q4 PAT ₹751 Cr (FY26 PAT ₹2,544 Cr); NIM 8.23%; GNPA 2.44%; RoE ~14.8%.
