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Investor Presentation
Q1 FY27
Investor Presentation
Q4 FY26
Investor Presentation
Q3 FY26
Investor Presentation
Q2 FY26
Investor Presentation
Q1 FY26
Fund Raising
HDB Financial Services allotted 40,000 secured redeemable NCDs of Rs.1,00,000 each aggregating Rs.400 crore on private placement; 1078-day tenor, 8.2301% coupon, ISIN INE756I07FQ4; proposed listing on BSE WDM.
Fund Raising
HDB Financial Services allotted 40,000 secured redeemable NCDs (ISIN INE756I07FQ4) aggregating Rs.4,00,00,00,000 on private placement on July 23, 2026; 1078-day tenor, coupon 8.2301%, maturity July 05, 2029.
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Discovery themes featuring this stockHDB Financial Services Ltd (HDBFS) is currently trading at 685.50 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 is a retail-focused NBFC and an HDFC Bank subsidiary providing Enterprise Lending, Asset Finance and Consumer Finance through 1,730 branches, a 22.9 million customer base and a gross loan book of INR 1,18,493 crore as of March 31, 2026, focused on underserved and underbanked aspirational India. Q4FY26 delivered operational momentum: highest-ever quarterly disbursements of INR 19,922 crore, quarterly annualized RoA of 2.48% and RoE of 14.8%, with PAT for the quarter at INR 751 crore; HDB reported sequential loan book growth of 3.4% and year-on-year growth of 10.9%, signalling re-acceleration from the second half of FY26. HDB’s asset quality showed improvement in Q4FY26 with Gross Stage 3 / GNPA at 2.44% and provision coverage of 55.5%, while quarterly credit cost moderated slightly to 2.35%, reflecting recovery in CV/CE segments and stabilisation in enterprise lending; management highlights sustained focus on risk-adjusted growth. Technology and digital transformation are core to HDB’s strategy: HDB OnTheGo app with 1.41 crore+ downloads and 4.76 lakh DAU, five enterprise AI initiatives, automated ECL and AI-led collections have begun delivering operating leverage and customer servicing gains that underpin scalable growth and cost efficiency. Balance sheet and funding remain strong with CRAR of 21.40%, diversified borrowings (bank loans 45%, NCDs 31%), positive cumulative ALM mismatch across time buckets, and credit ratings from CARE/CRISIL, positioning HDB to fund medium-term growth while maintaining prudent liquidity and capital buffers.
Over the past 52 weeks, HDB Financial Services Ltd has traded between a low of ₹557.00 and a high of ₹811.00. 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 57,009.51. 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 26.20 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 57,009.51 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 26.20. 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.
HDB Financial Services reported PAT of ₹568 crore in Q1 FY26, compared with ₹582 crore in Q1 FY25.
Shareholders approved all eight resolutions, including raising the borrowing limit to ₹1,50,000 crore, allowing charge creation up to ₹1,50,000 crore, and approving FY2025-26 dividend and funding authorisations.
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
3
Neutral
3
Bullish
8
Bearish
34
Neutral
3
Bullish
9
Bearish
31
Neutral
0
Bullish
1
| Symbol | Watchlist | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
645.00 | 61,381 Cr | 26.98 | 3.90 | 0.39 | 13.78 | 9.82 | 3.43 | ||
686.55 | 57,010 Cr | 26.20 | 3.11 | 0.58 | 13.75 | 8.99 | 2.00 | ||
361.00 | 50,442 Cr | 15.51 | 1.89 | 2.07 | 10.72 | 8.22 | 2.05 | ||
4411.30 | 49,051 Cr | 23.82 | 3.29 | 0.91 | 13.82 | 8.78 | 2.34 | ||
551.65 | 46,848 Cr | 22.33 | 3.18 | 0.09 | 13.11 | 12.78 | 10.90 | ||
2037.00 | 46,365 Cr | 27.43 | 1.65 | 0.54 | 0.93 | 6.00 | 1.53 | ||
472.00 | 41,014 Cr | 52.12 | 3.19 | 0.00 | 5.24 | 5.93 | 1.31 | ||
| Median: 7 Co. | — | 645.00 | 49,051 Cr | 26.20 | 3.18 | 0.54 | 13.11 | 8.78 | 2.05 |
HDB Financial Services is a retail-focused NBFC and an HDFC Bank subsidiary providing Enterprise Lending, Asset Finance and Consumer Finance through 1,730 branches, a 22.9 million customer base and a gross loan book of INR 1,18,493 crore as of March 31, 2026, focused on underserved and underbanked aspirational India.
Q4FY26 delivered operational momentum: highest-ever quarterly disbursements of INR 19,922 crore, quarterly annualized RoA of 2.48% and RoE of 14.8%, with PAT for the quarter at INR 751 crore; HDB reported sequential loan book growth of 3.4% and year-on-year growth of 10.9%, signalling re-acceleration from the second half of FY26.
HDB’s asset quality showed improvement in Q4FY26 with Gross Stage 3 / GNPA at 2.44% and provision coverage of 55.5%, while quarterly credit cost moderated slightly to 2.35%, reflecting recovery in CV/CE segments and stabilisation in enterprise lending; management highlights sustained focus on risk-adjusted growth.
Technology and digital transformation are core to HDB’s strategy: HDB OnTheGo app with 1.41 crore+ downloads and 4.76 lakh DAU, five enterprise AI initiatives, automated ECL and AI-led collections have begun delivering operating leverage and customer servicing gains that underpin scalable growth and cost efficiency.
Balance sheet and funding remain strong with CRAR of 21.40%, diversified borrowings (bank loans 45%, NCDs 31%), positive cumulative ALM mismatch across time buckets, and credit ratings from CARE/CRISIL, positioning HDB to fund medium-term growth while maintaining prudent liquidity and capital buffers.
Finance
Non Banking Financial Company (NBFC)
56,922 Cr
Moderate Risk
26.2
19.0
0.9
3.1
811.00
557.00
Sales CAGR
Profit CAGR
ROE
ROCE
