HDB Financial Services Limited
Fundamental Score
HDB Financial Services Limited Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of HDBFS across key market metrics for learning purposes.
Positive Indicators
3 factors identified
Strong Operating Margins (51.32%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages. This indicates sustainable profitability potential.
Balanced Promoter Holding (74.19%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment while ensuring adequate liquidity.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
6 factors identified
Suboptimal ROCE (9.79%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation. Review business model and competitive positioning.
Elevated Debt Levels (D/E: 4.68)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability and cash flow generation.
Weak Interest Coverage (1.42x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.
Negative Free Cash Flow (₹-36071.68 Cr over 5Y)
Observation: Cash outflows exceed inflows, indicating capital intensity or working capital issues.
Analysis: Negative FCF requires analysis of capital expenditure cycle and working capital management efficiency.
High Debt-to-Equity Ratio
Observation: Elevated financial risk due to high leverage.
Analysis: High debt levels may strain cash flows and increase financial risk during economic downturns.
Very High Debt Levels
Observation: Excessive leverage may strain cash flows.
Analysis: Debt-to-equity above 2.0 indicates potential financial distress risk.
Financial Statements
Comprehensive financial data for HDB Financial Services Limited
About HDBFS
Business Overview
HDB Financial Services Limited operates as a non-banking financial company that provides lending services and business process outsourcing services in India. The company offers personal loans, business loans, micro lending loans, auto loans, two-wheeler loans, gold loans, loan against property, enterprise business loans, consumer durable loans, commercial vehicle loans, construction equipment loans, car loans, loan against lease rental, tractor loans, and general and life insurance products. Its BPO services include back-office services, such as forms processing, documents verification, finance and accounting services, and correspondence management; and front office services, consisting of contact center management, outbound marketing, and collection services. The company was incorporated in 2007 and is based in Mumbai, India. HDB Financial Services Limited is a subsidiary of HDFC Bank Limited.
Company Details
Key Leadership
Corporate Events
Latest News
HDBFS Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of HDB Financial Services Limited (HDBFS)?
As of 29 Jan 2026, 10:39 am IST, HDB Financial Services Limited (HDBFS) is currently trading at ₹715.75. The stock has a market capitalization of ₹63.09K (Cr).
Is HDBFS share price Overvalued or Undervalued?
HDBFS is currently trading at a P/E ratio of 29.31x, compared to the industry average of 22.03x. Based on this relative valuation, the stock appears to be Overvalued against its sector peers.
What factors affect the HDB Financial Services Limited share price?
Key factors influencing HDBFS's price include its quarterly earnings growth (Sales Growth: 13.44%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is HDB Financial Services Limited a good stock for long-term investment?
HDB Financial Services Limited shows a 5-year Profit Growth of N/A% and an ROE of 14.72%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 4.68 before investing.
How does HDB Financial Services Limited compare with its industry peers?
HDB Financial Services Limited competes with major peers in the Non Banking Financial Company (NBFC). Investors should compare HDBFS's P/E of 29.31x and ROE of 14.72% against the industry averages to determine its competitive standing.
What is the P/E ratio of HDBFS and what does it mean?
HDBFS has a P/E ratio of 29.31x compared to the industry average of 22.03x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹29 for every ₹1 of annual earnings.
How is HDBFS performing according to Bull Run's analysis?
HDBFS has a Bull Run fundamental score of 25.3/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does HDBFS belong to?
HDBFS operates in the Non Banking Financial Company (NBFC) industry. This classification helps understand the competitive landscape and sector-specific trends affecting HDB Financial Services Limited.
What is Return on Equity (ROE) and why is it important for HDBFS?
HDBFS has an ROE of 14.72%, which shows decent profitability but room for improvement. Return on Equity measures how efficiently HDB Financial Services Limited generates profits from shareholders' equity.
How is HDBFS's debt-to-equity ratio and what does it indicate?
HDBFS has a debt-to-equity ratio of 4.68, which indicates high leverage that increases financial risk. A ratio below 1.0 generally indicates conservative financing.
What is HDBFS's dividend yield and is it a good dividend stock?
HDBFS offers a dividend yield of 0.26%, which means you receive ₹0.26 annual dividend for every ₹100 invested.
How has HDBFS grown over the past 5 years?
HDBFS has achieved 5-year growth rates of: Sales Growth N/A%, Profit Growth N/A%, and EPS Growth N/A%.
What is the promoter holding in HDBFS and why does it matter?
Promoters hold 74.19% of HDBFS shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is HDBFS's market capitalization category?
HDBFS has a market capitalization of ₹63089 crores, placing it in the Large-cap category.
How volatile is HDBFS stock?
HDBFS has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for HDBFS?
HDBFS has a 52-week high of ₹N/A and low of ₹N/A.
What is HDBFS's operating profit margin trend?
HDBFS has a 5-year average Operating Profit Margin (OPM) of 51.32%, indicating the company's operational efficiency.
How is HDBFS's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of 13.44% and YoY Profit Growth of -1.62%.
What is the institutional holding pattern in HDBFS?
HDBFS has FII holding of 3.17% and DII holding of 10.93%. Significant institutional holding often suggests professional confidence in the stock.