HDB FINANCIAL SERVICES LIMITED
HDB Financial Services Limited operates as a non-banking financial company that provides lending and business process outsourcing services in India. The company offers personal loans, salaried personal loans, business loans, micro lending loans, auto loans, two-wheeler loans, gold loans, loans against property, enterprise business loans, consumer durable loans, commercial vehicle loans, construction equipment loans, car loans, digital and lifestyle product loans, digital lending, tractor loans, and general and life insurance products. Its BPO services include back-office services, such as forms processing, documents verification, finance and accounting services, and correspondence management; and front office services, consisting of contact center management, outbound marketing, and collection services. The company was incorporated in 2007 and is based in Mumbai, India. HDB Financial Services Limited operates as a subsidiary of HDFC Bank Limited.
Valuation
Profitability
Returns
Solvency
AI Summary
Indian StockStrengths1
- Revenue grew 15.0% YoY
Concerns0
Rule-based from financial data. Not advice.
Monthly Returns
Year-to-Date ROI
Historical Volatility
Historical Performance
Revenue, profitability, and cash flow trends (βΉ Crores)
Revenue (10Y)
Operating Income (10Y)
Net Profit (10Y)
Operating Margin % (10Y)
Dividend Payout % (10Y)
Free Cash Flow (10Y)
Growth Summary
Latest fiscal year: Mar 2025
Historical Growth
Year-by-year revenue, profitability, and cash flow (βΉ Crores, last 5 years)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | βΉ16.30 K Cr | β | βΉ2.18 K Cr | β | β | 13.8% | 15.0% | -11.6% |
| Mar 2024 | βΉ14.17 K Cr | β | βΉ2.46 K Cr | β | β | 17.9% | 14.3% | 25.6% |
| Mar 2023 | βΉ12.40 K Cr | β | βΉ1.96 K Cr | β | β | 17.1% | 9.6% | 93.8% |
| Mar 2022 | βΉ11.31 K Cr | β | βΉ1.01 K Cr | β | β | 10.6% | 3.4% | 158.6% |
| Mar 2021 | βΉ10.95 K Cr | β | βΉ391.00 Cr | β | β | 4.6% | β | β |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | TTM |
|---|---|
| Revenue / Net Sales | 17,420 |
| Total Expenses | 7,626 |
| EBIT / Operating Profit | 9,795 |
| OPM % | 56% |
| Other Income | 0 |
| Finance Costs | 6,729 |
| Depreciation & Amortisation | 206 |
| Profit Before Tax | 2,860 |
| Tax % | - |
| Net Profit / PAT | 2,152 |
| EPS (βΉ) | 26.47 |
| Dividend Payout % | - |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| HDB FINANCIAL SERVICES LIMITEDthis co. | βΉ63.77 K Cr | βΉ16.30 K Cr | 29.60 | 3.30 | 14.40 | 15.0% |
| HDFC Bank Ltd. | βΉ14.43 L Cr | βΉ3.01 L Cr | 20.30 | 2.78 | β | 16.3% |
| ICICI Bank Ltd. | βΉ10.28 L Cr | βΉ1.63 L Cr | 20.70 | 3.32 | β | 14.3% |
| State Bank Of India | βΉ9.49 L Cr | βΉ4.62 L Cr | 13.30 | 1.83 | β | 11.4% |
| Bajaj Finance Limited | βΉ5.91 L Cr | βΉ61.95 K Cr | 36.80 | 6.33 | β | 32.0% |
| LIFE INSURANCE CORPORATION OF INDIA | βΉ5.26 L Cr | βΉ8.87 L Cr | 10.30 | 3.73 | 9.87 | 5.2% |
| Kotak Mahindra Bank Ltd. | βΉ4.24 L Cr | βΉ52.92 K Cr | 31.70 | 3.39 | β | 15.5% |
| Industry Average | β | βΉ30.80 K Cr | 45.91 | 4.87 | 70.91 | 14.6% |