HDB Financial Services Limited has informed the Exchange about Investor Presentation
HDBFS · price
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Awaiting price reaction for this filing.
HDB Financial Services submitted its Q1 FY26 investor presentation along with unaudited standalone results to NSE and BSE. The loan book grew to ₹1,09,342 crore, up 2.3% sequentially and 14.3% year-on-year, with secured loans making up 73% of the portfolio. Disbursements for the quarter fell 14% sequentially and 8.1% year-on-year to ₹15,171 crore. Net interest income rose 6% sequentially and 18.3% year-on-year to ₹2,092 crore, with NIM improving marginally to 7.7% from 7.6% in the previous quarter. Profit after tax stood at ₹568 crore, up 7% sequentially but down 2.4% year-on-year, with RoA at 1.9% and RoE at 13.2% (annualized). Asset quality weakened, with gross NPA rising to 2.56% from 2.26% in Q4 FY25 and 1.93% a year ago, and credit costs jumping 62% year-on-year to ₹670 crore. The company remains well capitalised with CRAR of 20.18% and has 1,771 branches serving 20.1 million customers.
Mixed signals for shareholders - loan book growth and NIM expansion are positives, but rising NPAs and higher credit costs dragged down year-on-year profit. Investors should watch the asset quality trend closely, though strong capital adequacy and diversified liability mix (AAA rated) provide a cushion.