HDBFS

HDB Financial Services Limited

HDFC Bank's retail NBFC — enterprise lending, asset finance and consumer finance

Financial Services›Financial Services›Finance›Non Banking Financial Company (NBFC)

hdbfs.com(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-19

Stock price
₹509.05
Market cap
42,292 Cr
Stock P/E
14.3
P/B
1.91
Dividend yield
0.8%
ROE (FY25)
13.8%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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Compare with peers

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What you need to know

HDBFS (HDB Financial Services) is a non-banking finance company that lends to individuals and small businesses across India for business, vehicle, equipment, gold and consumer purchases.

Company snapshot

12thBy market cap

Ranked among 58 companies in Non Banking Financial Company (NBFC).

What we see

Positives
  • ✓Revenue grew 15% in the latest year — strong top-line momentum.
Concerns
  • ✗Operating cash flow is negative even though the company shows a profit — the business may not be generating real cash yet.
2 more signals from the filings.Sign in free to see them all

Statement tables · Standalone

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricJun 2025Sept 2025Dec 2025Mar 2026Jun 2026Sept 2026
Net Interest Income——————
Other income0 Cr0 Cr0 Cr0 Cr0 Cr0 Cr
Net operating income0 Cr0 Cr0 Cr0 Cr0 Cr0 Cr
Employee cost960 Cr958 Cr1,025 Cr971 Cr1,035 Cr1,016 Cr
Other expenses312 Cr311 Cr321 Cr342 Cr342 Cr341 Cr
Provisions & contingencies——————
Depreciation51 Cr52 Cr51 Cr54 Cr55 Cr57 Cr
Profit before tax733 Cr782 Cr860 Cr1,011 Cr1,055 Cr1,044 Cr
Tax %22.5%25.7%25.2%25.8%25.6%25.2%
Net profit568 Cr581 Cr644 Cr751 Cr785 Cr780 Cr
EPS (₹)₹7.13₹7.01₹7.76₹9.04₹9.46₹9.39

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2025Mar 2026TTM
Net Interest Income——Sign in free for the trailing twelve months
Other income—0 CrSign in free for the trailing twelve months
Net operating income—0 CrSign in free for the trailing twelve months
Employee cost3,620 Cr3,914 CrSign in free for the trailing twelve months
Other expenses1,055 Cr1,285 CrSign in free for the trailing twelve months
Provisions & contingencies——Sign in free for the trailing twelve months
Depreciation194 Cr209 CrSign in free for the trailing twelve months
Profit before tax2,928 Cr3,386 CrSign in free for the trailing twelve months
Tax %25.7%24.9%Sign in free for the trailing twelve months
Net profit2,176 Cr2,544 CrSign in free for the trailing twelve months
EPS (₹)₹27.40₹30.97Sign in free for the trailing twelve months
Dividend payout %—9.7%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2025Mar 2026
Equity capital796 Cr830 Cr
Reserves15,024 Cr19,834 Cr
Borrowings—99,230 Cr
Other liabilities92,844 Cr3,757 Cr
Total liabilities1,08,663 Cr1,23,652 Cr
Fixed assets (net)243 Cr230 Cr
CWIP—0 Cr
Investments2,060 Cr3,748 Cr
Loans & advances—1,14,690 Cr
Trade receivables225 Cr296 Cr
Cash & bank950 Cr1,246 Cr
Other assets1,05,184 Cr3,442 Cr
Total assets1,08,663 Cr1,23,652 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2025Mar 2026
Cash from operating activity-13,626 Cr-8,606 Cr
Cash from investing1,159 Cr-1,772 Cr
Cash from financing12,770 Cr10,673 Cr
Net cash flow303 Cr296 Cr
Free cash flow (OCF − Capex)-13,834 Cr-8,749 Cr

Ratios

MetricMar 2023Mar 2024Mar 2025
ROE %17.1%17.9%13.8%
Debt / equity4.805.415.52