Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
HDBFS.NS
SellHot AirHDB Financial Services Limited · Financial Services · India · $6.0B · Avg Vol: $5M/d
31
StockRankGet insider-trade alerts
Q
46
V
21
M
54
P/E (TTM)
20.2x
ROE
12.3%
D/E
4.8x
Dividend %
0.6%
COMPANY DESCRIPTION
HDB Financial Services Limited operates as a non-banking financial company that provides lending and business process outsourcing services in India.
FINANCIAL SUMMARY (INR)
| Year | 2023 | 2024 | 2025 | 2026 | CAGR | TTM | 2027E | 2028E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 122.4B | 139.5B | 160.8B | 181.4B | 14.0% | 93.1B | 201.2B | 232.2B | 13.1% |
| EPS (INR) | 23.62 | 29.66 | 26.29 | 30.97 | 9.5% | 33.58 | 39.44 | 47.39 | 23.7% |
| Shares | 827.6M | 827.6M | 827.6M | 828.4M | +0.1% | 828.5M | — | — | — |
| Debt | 548.7B | 743.3B | 896.8B | 992.3B | 21.8% | 1.0T | — | — | — |
| Equity | 114.4B | 137.4B | 158.2B | 206.6B | 21.8% | — | — | — | — |
| Op CF | -68.5B | -167.4B | -136.3B | -86.1B | — | -86.4B | — | — | — |
| Inv CF | 9.7B | -21.5B | 11.6B | -17.7B | — | — | — | — | — |
| Fin CF | 58.0B | 191.3B | 127.7B | 106.7B | — | — | — | — | — |
Loading 1Y...
PRICE (1Y)-0.9%
SMA 50SMA 200
Close
$7.07
RSI (14)
37.9
52W High
$8.34
From 52W High
0.8%
SCORE BREAKDOWN
Quality
46
ROIC
7.9%82.0
ROE
12.3%62.7
GP/Assets
7.5%67.5
Op. Margin
42.4%60.6
FCF/Assets
-7.1%7.2
Piotroski
537.9
Int. Cover
2.0x23.2
D/E Ratio
4.84x4.5
Current Ratio
1.29x41.0
Value
21
P/E (TTM)
20.2x24.0
EV/EBITDA
21.8x21.0
P/FCF
—N/A
P/B
2.7x17.6
P/S
6.0x27.4
Div Yield
0.6%5.4
Momentum
54
52W High %
85%33.8
RS 6M
7%67.3
SMA 50/200
1.01x34.2
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
+41%69.4
Q Growth
38%67.2
FUNDAMENTALS
Market Cap
$6.0B
P/E (Forward)
14.3x
Gross Margin
62.6%
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of HDBFS.NS are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| HDBFS.NS | HDB Financial Services Limited(you) | $6.0B | 31 | Sell |
| HUDCO.NS | Housing and Urban Development Corporation Limited | $3.8B | 30 | Sell |
| M&MFIN.NS | Mahindra & Mahindra Financial Services Limited | $5.5B | 39 | Hold |
| POONAWALLA.NS | Poonawalla Fincorp Limited | $4.2B | 26 | Sell |
| LTF.NS | L&T Finance Limited | $8.2B | 36 | Hold |
| SBICARD.NS | SBI Cards and Payment Services Limited | $6.7B | 21 | Sell |
| SUNDARMFIN.NS | Sundaram Finance Limited | $5.5B | 17 | Strong Sell |
| MUTHOOTFIN.NS | Muthoot Finance Limited | $12.3B | 32 | Sell |
| CHOLAHLDNG.NS | Cholamandalam Financial Holdings Limited | $3.0B | 35 | Sell |
| PIRAMALFIN.NS | Piramal Finance Limited | $5.7B | 50 | Hold |
Peer medians: ROE 11.6% · P/E 18.5x · Gross margin 70.0%