HDB Financial Services Limited

HDB Financial Services Limited

HDBFS.BO
HDB Financial Services LimitedIN flagBombay Stock Exchange
692.90
INR
+18.10
- -
575.37BMarket Cap
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
147.59
168.11
194.28
220.87
172.66
Basic EPS, GAAP
23.62
29.66
26.29
30.97
26.26
Free Cash Flow per Basic Share
-83.92
-203.23
-167.17
-106.51
- -
Dividend per Share
1.81
2.96
2.88
2.99
- -
Book Value per Share
138.19
166.05
191.14
249.44
- -
Tangible Book Value per Share
137.94
165.78
190.75
248.66
- -
Basic Weighted Avg Shares
830
830
828
821
830
Sales/Revenue/Turnover
122,439
139,463
160,796
181,434
143,311
Operating Margin (%)
48.27
50.42
52.49
52.1
34.85
Depreciation Expense
1,118
1,452
1,944
2,093
1,603
Net Income, GAAP
19,594
24,608
21,759
25,438
21,797
Effective Tax Rate (%)
25.43
25.53
25.68
24.88
25.52
Profit Margin (%)
16
17.65
13.53
14.02
15.21
Working Capital
37,137
64,842
-14,460
107,185
- -
LT Debt
353,518
487,632
509,609
649,973
- -
Total Equity
114,370
137,427
158,198
206,640
- -
Return on Invested Capital (%)
- -
6.78
6.47
6.29
- -
Return on Capital (%)
- -
5.92
4.97
4.57
1.74
Return on Common Equity (%)
- -
19.55
14.72
13.94
10.76

Capital Structure

FRC

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
342,328
- -
LT Borrowings
- -
649,973
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
828
828
828
Market Capitalization
633,272
463,948
622,174

Working Capital

FRC

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
471,592
- -
Cash, Cash Equivalents & STI
- -
50,852
- -
Accounts Receivable, Net
- -
2,960
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
364,406
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
342,328
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
- -
30.62%
Free Cash Flow
- -
- -
-36.77%
Net Income, GAAP
- -
- -
16.91%
Sales/Revenue/Turnover
- -
- -
12.83%
Total Cash Common Dividend
- -
- -
3.1%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
41,367
42,591
- -
- -
160,796
2026
44,412
- -
46,663
47,386
181,434
2027
49,262
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
5.69
6.41
- -
- -
26.29
2026
6.86
- -
7.76
9.04
30.97
2027
9.46
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
2.88
2026
- -
- -
- -
- -
2.99
2027
- -
- -
- -
- -
- -

Company Description

CEO
Ganesan Ramesh
Full Time Employees
88,162
Sector
Financial Services
Industry
Financial - Credit Services
Address
HDB House Mumbai MA India 400057
IPO Date
Jul 2, 2025
Website
hdbfs.com
Business
HDB Financial Services Limited, a diversified consumer finance company, provides retail lending and related financial services across India. Founded in 2007 and headquartered in Mumbai, it operates through multiple distribution channels including branch networks, digital platforms, and asset-light partnerships to serve individuals and small businesses. Main Products and Services: consumer loans (personal loans, home improvement loans, two-wheeler and auto loans), microfinance and small-ticket loans, business loans for SMEs, credit cards and unsecured credit facilities, commercial vehicle and tractor loans, housing finance solutions, loan against property, loan processing and underwriting services, doorstep and digital loan origination, loan recovery and collection services, insurance products offered through partnerships, fintech-enabled lending platforms, and co-branded credit facilities; loan processing and servicing software and technology-enabled credit assessment, risk management, collections analytics; digital onboarding, customer onboarding, KYC services, and omnichannel customer care. Latest Major Company Changes: enters into strategic partnerships and alliances to expand distribution and fintech integration; pursues funding rounds and strategic investments to scale digital lending capabilities; launches new products such as instant digital credit lines and enhanced SME lending propositions; expands geographic footprint within India through verticals and urban-rural channels; undergoes organizational transformations to strengthen risk management, collections optimization, and technology modernization; continues to enhance its brand and product suite through partnerships with non-banking financial entities and technology providers. Industry and business segments: consumer finance; microfinance; SME finance; vehicle finance; mortgage-related credit; insurance distribution; credit technology and risk analytics. Target markets: individuals and micro, small and medium enterprises across India, including financially underserved segments seeking accessible credit via digital and branch-based channels. Geographic operations: primarily India with nationwide branch network and digital platforms enabling nationwide reach. Subsidiaries/parent relationships: part of a broader financial services group with affiliated entities across lending and insurtech platforms.