login
Current Deals

company details

HDB FINANCIAL SERVICES LIMITED

  • www.hdbfs.com
  • Sector: Banks/NBFC
  • CHRYSEUM SCORE: 7.50/10.00
    ×

    HDB FINANCIAL SERVICES LIMITED

    • Sector: Banks/NBFC
    • CHRYSEUM SCORE: 7.50/10.00

    Description: HDB Financial Services Limited provides financial services. The Company offers personal, gold, auto, business, durable, and commercial vehicle loan, as well as loan against property.

    Evaluation is basis the latest financial year disclosures filed by the company

    Valuation

    Max Score: 3.50

    P/B of Company

    3.66

    Avg P/B of Key Peers

    5.69

    P/B of Industry

    1.57

    Valuation Score

    1.50

    The Valuation Score depicts if the company is available at a discount when compared to its listed peer & its Industry Average. Higher the discount, more is the score given to the company.

    Growth

    Max Score: 3.50

    Sales Growth

    12.97%

    PAT Growth

    29.10%

    BVPS Growth

    18.40%

    Growth Score

    3.50

    The Growth Score accounts for the growth in Sales, PAT and the BVPS on a 3 year CAGR basis.

    Key Metrics

    Max Score: 1.50

    ROA

    1.00

    Net NPA

    2.00

    Capital Adequacy

    3.00

    Key Metrics Score

    1.00

    The Other Key Metrics takes into consideration the Return on Asset, Net NPA and CAR of the company.ROA & NNPA are compared to the company’s peer averages.

    Management Quality

    Max Score: 1.50

    Board Structure & Composition

    1.00

    Related Party Transactions

    1.00

    Timely Disclosure

    1.00

    Management Score

    1.50

    This score represents a consolidated view of the Company’s Management Quality, which includes Board Structure, Related Party Transactions and Timely disclosures. Each parameter is scored out of 1.

₹748.00 0.00 (0.00%)

As on 13 Jan, 2026
L 712.00 52 Week Range H 1470.00
Company Description : It is one of the leading NBFCs in India and is a subsidiary of HDFC Bank Limited. The Company offers personal, gold, auto, business, durable, and commercial vehicle loan, as well as loan against property.
Company Overview
  • Name of Company HDB FINANCIAL SERVICES LIMITED
  • Sector Banks/NBFC
  • ISIN INE756I01012
  • Scrip Code HDB
  • CIN U65993GJ2007PLC051028
  • Pan No AABCH8761M
  • Face Value 10
  • Price ₹ 748.00
  • No. of Shares outstanding 79.31 Cr.
  • Market Cap ₹ 59,321.98 Cr
Financials
  • Revenue from operations ₹ 16,300.30 Cr.
  • EBITDA ₹ 9,512.40 Cr.
  • EBITDA Margin % 58.36%
  • Profit After Tax ₹ 2,175.90 Cr.
  • PAT Margin % 13.35%
  • EPS 27.44
  • Stock P/E 27.26
  • Book Value Per Share 199.47
  • P/B 3.75
  • Debt/Equity 2.65
Other Key Statistics
  • 52 week High/Low 1470.00/712.00
  • Dividend Per Share 1.00
  • Dividend Yield 0.13%
  • Sales Growth - 3 years 12.97%
  • EBITDA Growth - 3 years 25.85%
  • PAT Growth - 3 years 29.10%
  • EPS Growth - 3 years 28.94%
  • ROE 13.75%
  • ROCE 8.66%
  • Cash Equivalents 984.30
All figures below are in INR Crores unless otherwise stated

Peer Comparison

Key Financials - FY25
Company Name HDB Financial Services Cholamandalam Investment and Finance Company Limited
Listing Status Unlisted Listed
Interest Income 13,835.80 23,747.74
Total Income 16,300.30 26,152.76
Finance Cost 6,390.20 12,494.53
Depreciation & Amortization 194.40 244.83
Total Expenses 13,372.50 20,411.31
EBITDA 9,512.40 18,480.81
PAT 2,175.90 4,262.70
No. of Shares Outstanding 79.31 84.09
EPS (in ₹) 27.44 50.69
Share Capital 795.80 168.25
Total Net Worth 15,819.70 23,668.69
Total Assets 108,663.30 201,886.76
Borrowings 41,928.80 133,791.98
Key Metrics:
CMP* 748.00 1,701.10
Market Cap (In Cr.) 59,321.98 143,045.50
Market Cap/Sales 3.64 5.47
EPS (Earnings Per Share) 27.44 50.69
BVPS (Book Value Per Share) 199.47 281.45
P/E 27.26 33.56
P/BV 3.75 6.04
EBITDA Margin 58.36% 70.66%
ROE 13.75% 18.01%
ROA 2.00% 2.11%
Net NPA (%) 2.26% 2.63%
Capital Adequacy 34.58% 19.22%
*Market Price in ₹ as on 13 Jan, 2026

Profit Loss

FY25 FY24 FY23 FY22 FY21
Revenue from operations 16,300.30 14,171.12 12,402.90 11,306.30 10,944.80
Y-o-Y Revenue Growth 15.02% 14.26% 9.70% 3.30% 1.75%
Other Income 0.00 0.00 0.00 0.00 0.00
Total Income 16,300.30 14,171.12 12,402.90 11,306.30 10,944.80
Total Expenses (Excludes Interest and Depreciation) 6,787.90 5,856.99 6,151.80 6,534.29 6,453.40
Operating Profit (After deducting Depreciation) 9,318.00 8,168.99 6,139.30 4,673.07 4,383.60
OPM % 57.16 57.65 49.50 41.33 40.05
EBITDA 9,512.40 8,314.13 6,251.10 4,772.01 4,491.40
Depreciation 194.40 145.14 111.80 98.94 107.80
EBIT 9,318.00 8,168.99 6,139.30 4,673.07 4,383.60
Interest 6,390.20 4,864.32 3,511.90 3,325.50 3,882.90
EBT before Exceptional Items 2,927.80 3,304.67 2,627.40 1,347.57 500.70
Prior period/Exceptional /Extra Ordinary Items 0.00 0.00 0.00 0.00 0.00
Profit before tax/EBT 2,927.80 3,304.67 2,627.40 1,347.57 500.70
Tax 751.90 843.83 668.10 336.20 109.20
Net Profit 2,175.90 2,460.84 1,959.30 1,011.37 391.50
Profit (loss) of minority interest 47.90 36.40 0.00 0.00 0.00
Total profit (loss) for period 2,128.00 2,424.44 1,959.30 1,011.37 391.50
EPS in Rs 27.44 31.03 24.76 12.80 4.97
EPS Change % -11.58% 25.32% 93.44% 157.55% -61.11%
EBITDA Change % 14.41% 33.00% 31.00% 6.25% -20.58%
Profit growth -11.58% 25.60% 93.73% 158.33% -61.04%
ROCE 8.66% 8.92% 8.85% 46.28% 48.38%
ROE 13.75% 17.91% 17.13% 10.60% 4.64%
Debt / Equity Ratio 2.65 2.46 2.12 2.04 2.67
Sales growth 3Years 12.97% 8.99%
Sales growth 5Years 8.67% 10.19%
Dividend per share 1.00 1.00 2.00 1.00

Balance Sheet

FY25 FY24 FY23 FY22 FY21
Share Capital 795.80 793.08 791.40 790.44 789.20
Reserves 15,023.90 12,949.63 10,645.60 8,749.29 7,657.00
Total shareholders' funds 15,819.70 13,742.71 11,437.00 9,539.73 8,446.20
Borrowings 41,928.80 33,831.38 24,227.80 19,501.70 22,569.10
Other Liabilities 4,360.90 3,407.70 3,045.40 32,422.80 30,971.70
Total Liabilities 92,843.60 78,813.80 58,613.40 52,486.20 54,194.80
Fixed Assets 702.80 489.00 366.70 280.60 308.90
Capital WIP 0.00 0.00 0.00 0.00 0.00
Investments 2,060.10 3,380.30 1,243.30 2,233.50 1,592.90
Other Assets 247.50 155.60 316.80 460.30 306.10
Total Assets 108,663.30 92,556.51 70,050.39 62,025.94 62,641.00
Cash Equivalents 984.30 702.60 653.80 684.00 976.40
Total Current liability 1,047.00 1,014.10 677.80 51,928.70 53,580.60
Total Assets -Total Current liabilty 107,616.30 91,542.41 69,372.59 10,097.24 9,060.40

Cash Flow

FY25 FY24 FY23 FY22 FY21
Net Cash from / (used in) Operating Activity -13,626.30 -16,736.04 -6,850.61 1,987.00 -341.90
Net Cash from / (used in) Investing Activity 1,159.00 -2,145.56 973.32 -703.20 131.50
Net Cash from / (used in) Financing Activity 12,769.80 19,133.55 5,795.99 -1,499.50 607.90
Net Inc/Dec In Cash And Cash Equivalents 302.50 251.95 -81.30 -215.70 397.50

Share Holding Pattern

No. of Shares in Crs. % Holding
Promoters 75.06 94.64%
Non Promoters 4.25 5.36%

News

© 2022 Chryseum Advisors LLP. All rights reserved. LLPIN – AAD-0626

+91 98925 31672 | info@chryseum.in

For latest updates

Linkedin-in
OTP Verification
< Back