āagmanLoginNot investment advice. Data and computed figures, for information only.
HDB Financial Services Ltd
₹539.10
−₹44.65 (−7.65%)
NSE · 15 Oct 2026, close
Market Cap
₹48,905 Cr
CMP
₹539.10
52-wk High / Low
₹797 / 537
P/E
22.5
Div Yield
0.68%
ROCE
9.8%
ROE
15.0%
Face Value
₹10
D/E
5.52
Price−26.8% over 1Y
āagman read
Computed by āagmanPiotroski F-Score
1
/ 9
1 of 9 F-score tests passed
Cash flow to profit
−6.26
CFO / PAT
Above 1.0 = operating cash flow exceeded reported profit
Sustainable growth
12.7%
ROE × earnings retention ratio
ROE stability
1.4
pp σ
Standard deviation of ROE across periods. Lower = more stable
Holder deltas
QoQ
pp
Prom +0.00FII +0.54DII −0.19
Latest quarter vs the previous one
Cash-accrual divergence
15.7%
of assets
Low = accruals track cash flow
Strengths
Watch-outs
−Price trades below its 200-day moving average (0.8x)
−Price is 32.3% below its 52-week high
−Piotroski F-Score of 1/9 is in the weak band (≤3)
−Balance-sheet accruals of 15.7% of average assets — earnings are not cash-backed
Peer comparison
| Name | P/E | Mar Cap ₹ Cr | ROCE % | ROE % |
|---|
Quarterly results
| Mar 2024 | Dec 2024 | Mar 2025 | |
|---|---|---|---|
| Sales | 3,667 | 4,144 | 4,266 |
| Expenses | 1,368 | 1,809 | 1,858 |
| Operating Profit | — | — | — |
| OPM % | — | — | — |
| Other Income | 0 | 0 | 0 |
| Interest | 1,377 | 1,645 | 1,650 |
| Depreciation | 40 | 49 | 54 |
| Profit before tax | 882 | 641 | 704 |
| Net Profit | 656 | 472 | 531 |
| EPS (₹) | 8.27 | 5.95 | 6.67 |
Profit & Loss
| Mar 2018 | Mar 2019 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|
| Sales | 7,027 | 8,725 | 12,403 | 14,173 | 16,300 |
| Expenses | 3,096 | 3,605 | 6,153 | 5,817 | 6,745 |
| Operating Profit | — | — | — | — | — |
| OPM % | — | — | — | — | — |
| Other Income | 0 | 0 | 1 | 1 | 0 |
| Interest | 2,449 | 3,333 | 3,512 | 4,907 | 6,433 |
| Depreciation | 45 | 62 | 112 | 145 | 194 |
| Profit before tax | 1,436 | 1,724 | 2,627 | 3,305 | 2,928 |
| Net Profit | 933 | 1,153 | 1,959 | 2,461 | 2,176 |
| EPS (₹) | 11.92 | 14.68 | 24.76 | 31.03 | 27.34 |
Balance Sheet
| Mar 2018 | Mar 2019 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|
| Equity Capital | 783 | 786 | 791 | 793 | 796 |
| Reserves | 5,257 | 6,393 | 10,646 | 12,950 | 15,024 |
| Other Liabilities | 3,653 | 4,257 | 3,748 | 4,483 | 5,446 |
| Total Liabilities | 45,447 | 56,540 | 70,050 | 92,557 | 1,08,663 |
| Fixed Assets | 137 | 123 | 387 | 511 | 735 |
| CWIP | 0 | 0 | 0 | 0 | 0 |
| Investments | 402 | 568 | 1,243 | 3,380 | 2,060 |
| Other Assets | 44,908 | 55,849 | 68,420 | 88,665 | 1,05,868 |
| Total Assets | 45,447 | 56,540 | 70,050 | 92,557 | 1,08,663 |
| Borrowing | 35,753 | 45,105 | 54,865 | 74,331 | 87,398 |
Cash Flows
| Mar 2018 | Mar 2019 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|
| Cash from Operating Activity | −8,186 | −8,991 | −6,851 | −16,736 | −13,626 |
| Cash from Investing Activity | −49 | −181 | 973 | −2,146 | 1,159 |
| Cash from Financing Activity | 8,226 | 9,445 | 5,796 | 19,134 | 12,770 |
| Net Cash Flow | −8 | 273 | −81 | 252 | 303 |
Ratios
| Mar 2018 | Mar 2019 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|
| ROCE % | — | — | — | — | 9.8 |
| ROE % | 15.0 | 17.0 | 17.0 | 20.0 | 15.0 |
| EPS (₹) | 11.92 | 14.68 | 24.76 | 31.03 | 27.34 |
| Book Value (₹) | — | — | — | — | — |
| Face Value (₹) | — | — | — | — | 10 |
| P/E | — | — | — | — | 22.5 |
| Div Yield % | — | — | — | — | 0.68 |
| NPM % | 13.3 | 13.2 | 15.8 | 17.4 | 13.3 |
| OPM % | — | — | — | — | — |
| D/E | 5.92 | 6.28 | 4.80 | 5.41 | 5.52 |
| P/B | — | — | — | — | — |
Growth
Compounded sales growth
TTM+15.0%
Compounded profit growth
TTM−12.0%
Stock price CAGR
Last year−20.0%
Return on equity
3 years17.0%
Last year15.0%
Documents
Announcements
Update on board meetingCompliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018Announcement under Regulation 30 (LODR)-Resignation of Company Secretary / Compliance OfficerAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationBoard Meeting Intimation for Approval Of The Unaudited Financial Results Of The Company For The Quarter And Half Year Ending September 30, 2026Annual reports
Annual Report 2026Corporate actions
18 Jun 2026DIVIDENDDividend - Rs 2 Per Share—
24 Oct 2025DIVIDENDInterim Dividend - Rs 2 Per Share—
Fundamentals from a third-party compiler of exchange filings; prices from the exchanges. Not investment advice.© 2026 āagman