What the business is, and whether it's a good one at a fair price.
Operates as a non-banking financial company that lends through three principal verticals: Enterprise Lending (mortgage products such as loan-against-property and business loans, plus gold loans), Asset Finance (commercial vehicles and construction equipment), and Consumer Finance (auto loans and consumer durables). The Lending Business generates 93.4% of segment revenue with a 19.6% segment EBIT margin, while BPO Services contributes the remaining 6.6% at a 6.6% EBIT margin. The gross loan book stood at ₹1,21,846 crore as of Q1 FY27, disbursed through 1,710 branches spread across 1,165 cities and reaching a customer base of 23.9 million. Employee cost is the single largest operating line item at 21.2% of revenue, followed by other operating expenses at 7.0% and depreciation at 1.1%. Funding is raised mainly through secured redeemable non-convertible debentures placed privately, with a CRAR of 21.29% reported for Q1 FY27. The NBFC is a subsidiary of HDFC Bank.
Measured from the filed financials, judged against its Non Banking Financial Company (NBFC) peers · as of FY26 — not investment advice
How has the market priced it — with filings on the timeline?
▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.
How does it stack up on valuation, returns and growth?
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Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.
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Who owns it — and is the promoter stake clean?
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Answered from HDB FINANCIAL SERVICES L's filed financials and exchange disclosures
HDB FINANCIAL SERVICES L is a Finance company listed on NSE and BSE, trading under the symbol HDBFS.
Yes. Over the trailing twelve months HDB FINANCIAL SERVICES L reported a net profit of ₹2,761 Cr on revenue of ₹18,902 Cr.
Yes. The dividend yield is 0.44% at the current price. It paid out 10% of its profit as dividend in FY26.
Effectively yes. It holds ₹1,246 Cr more cash than debt. Debt stands at 0.00× equity.
On trailing P/E, HDB FINANCIAL SERVICES L ranks 113 of 212 in Non Banking Financial Company (NBFC) — cheaper than 47% of them, against an industry median of 18.2×. This is a position, not a valuation judgement.
On a typical session HDB FINANCIAL SERVICES L moves 0.83% — that is the median absolute close-to-close move across its last 269 trading days. Announcement days are routinely larger.
Every NSE and BSE filing by HDB FINANCIAL SERVICES L appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.
Figures are as last reported and may lag the latest filing. Not investment advice.
