NSE: HDBFS · BSE: 544429 · ISIN INE756I01012
HDB Financial Services Limited stock analysis
HDB Financial Services Limited ranks #2205 in the TickerSutra evidence-ranked universe with a score of 48/100 and 87% data confidence. The latest captured fundamentals show ROCE of 9.1%, quarterly sales growth of 10.6% and quarterly profit growth of 38.3%.Avoid / exit review
INVESTMENT EVIDENCE
What supports—and challenges—the thesis
Evidence in favour
- Institutional ownership is rising
- No promoter shares are reported as pledged
Risks and constraints
- Debt/equity is above 0.5×
- CFO/EBITDA is below 0.6×
Still unresolved: Related-party exposure · Broad media sentiment
FINANCIAL TRAJECTORY
Recent operating history
| Period | Revenue | Operating profit | Net profit | Operating margin |
|---|---|---|---|---|
| 2022 | ₹11,312cr | ₹1,446cr | ₹1,011cr | 13.0% |
| 2023 | ₹12,403cr | ₹2,738cr | ₹1,959cr | 22.0% |
| 2024 | ₹14,173cr | ₹3,449cr | ₹2,461cr | 24.0% |
| 2025 | ₹16,300cr | ₹3,122cr | ₹2,176cr | 19.0% |
| 2026 | ₹18,431cr | ₹3,595cr | ₹2,544cr | 20.0% |
| TTM | ₹18,902cr | ₹3,922cr | ₹2,761cr | 21.0% |
EXCHANGE EVENT TRIGGERS
Latest corporate disclosures
RoutineChange in Directors/KMP/SMP/Auditor/RTANSE · 29 Sept 2026 · Structured filingHDB Financial Services Limited has informed the Exchange about Change in Directors/KMP/SMP/Auditor/RTA
HDB Financial Services Limited has informed the Exchange about Change in Directors/KMP/SMP/Auditor/RTA
Open original XBRL sourceResignation of Company Secretary & Compliance Officer
RoutineRecord Date UpdatesNSE · 29 Sept 2026Record Date Updates
RoutineAnalyst/Investor Meet Para A-XBRLNSE · 28 Sept 2026 · Structured filingHDB Financial Services Limited has informed the Exchange about Schedule of Analysts or Institutional Investors Meet
HDB Financial Services Limited has informed the Exchange about Schedule of Analysts or Institutional Investors Meet
Open original XBRL sourceHDB Financial Services Limited has informed the Exchange about Schedule of meet
MANAGEMENT COMMENTARY
Signals from filed documents
The campaign enhanced brand affinity, improved recall and strengthened visibility across Tamil Nadu during the tournament season. DIRECTORS’ REPORT (CONTD.) 101 0301 02 Statutory Reports Directors’ Report SWOT ANAL YSIS Strengths • One of the largest customer franchises, serving 22.9 Mn customers. • Highly granular retail-focused book, significantly reducing concentration risk (top 20 customers contribute around
As credit conditions stabilised, the segment recovered gradually, positioning it for sustainable growth. Gold loans were a strong growth driver, supported by favourable pricing trends and steady customer demand. Enterprise Lending remained a significant contributor to the Company’s loan book and earnings.
Inflation projections have increased to 5.1% driven by supply -side pressures. On the policy front, regulator maintained its neutral stance, keeping the repo rate unchanged. Supply chain challenges that might arise from the ongoing West Asia conflict and El Nino - related risks remain a key monitorable.
Through active stewardship, the Board enables the Company to respond with agility, uphold compliance rigorously and create enduring value across economic cycles. Governance 54 HDB Financial Services Limited | Annual Report 2025-26 Key Initiatives Achieved ISO 27001:2022 certification for a robust Information Security Management System Constituted ESG & CSR committee at the Board level; ESG policy framework approved b
• Auto Loans: Financing solutions for purchase of new and pre-owned vehicles, with competitive interest rates, flexible tenures and a streamlined application process for both individual and business customers. • Two-Wheeler Loans: Financing for two-wheeler purchases, with minimal documentation, competitive pricing and flexible repayment plans. • Micro Lending: Small-ticket loans extended through the Joint Liability G
who are allowed to attend the AGM without any restrictions pertaining to joining the AGM on a first come first served basis. Institutional Investors who are Members of the Company, are encouraged to attend the AGM and vote. Please note that Members connecting from Mobile Devices, Tablets or through Laptop connecting via Mobile Hotspot may experience Audio / Video loss due to fluctuation in their respective network.
HOW TO READ THIS PAGE
Evidence, freshness and limitations
What does the TickerSutra score mean?
The score ranks captured evidence across financial quality, growth, moat and margins, regulatory catalysts, governance, institutional trend and valuation comfort. It is a research-prioritization tool—not a buy recommendation or price target.
Which sources support this page?
Financial history, ownership and pledge data, NSE and BSE filings, annual reports and available earnings-call transcripts are combined here. Use the source trail and original exchange document before relying on a decision-critical fact.
Why can an item be unresolved?
Unresolved means the current captured source window did not provide enough evidence for that check. It does not establish that a risk or relationship is absent.
Maintained by TickerSutra Research · Snapshot updated 29 Sept 2026 · Read the methodology · Read the disclaimer
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