HDB Financial Services Limited
HDBFS · General/Diversified · NSE
₹694
Current Market Price
Fair Value (DCF)
₹647
Margin of Safety
-6.8%
Updated 37m ago
YieldIQ Score
37/100
Piotroski F-Score
2/9
Economic Moat
Narrow
Confidence
22%
ROE
13.8%
Debt/Equity
0.00
WACC
12.8%
Market Cap
₹0.57 Lakh Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
9.5%
Return on capital employed
EV / EBITDA
21.5×
Enterprise multiple
Debt / EBITDA
13.2×
Leverage vs earnings
Interest Coverage
1.8×
EBIT covers interest
Current Ratio
0.97×
Short-term liquidity
Asset Turnover
0.15×
Revenue per ₹ of assets
Revenue CAGR (3Y)
—
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹694.1
Bear case
₹394
MoS -76.2%
Base case
₹647.2
MoS -7.2%
Bull case
₹787.99
MoS +11.9%
Ratio Trends
HDBFS · last 3 annual periods
ROE
13.8%
ROCE
6.4%
Operating Margin
—
Debt / Equity
5.52×
PE
—
EV / EBITDA
—
Historical Financials
HDBFS · Annual, last 3 years· amounts in ₹Cr unless noted
| Metric | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|
| Revenue | ₹12.2K Cr | ₹13.9K Cr | ₹16.1K Cr | +14.6% |
| EBITDA | ₹4775 Cr | ₹6201 Cr | ₹6608 Cr | +17.6% |
| EBIT | — | — | — | — |
| PAT | ₹1959 Cr | ₹2461 Cr | ₹2176 Cr | +5.4% |
| EPS (diluted) | — | — | — | — |
| CFO | ₹-6851 Cr | ₹-16.7K Cr | ₹-13.6K Cr | — |
| CapEx | ₹-111 Cr | ₹-123 Cr | ₹-210 Cr | — |
| FCF | ₹-6962 Cr | ₹-16.9K Cr | ₹-13.8K Cr | — |
| Total Assets | ₹70.1K Cr | ₹92.6K Cr | ₹108.7K Cr | +24.5% |
| Total Debt | ₹54.9K Cr | ₹74.3K Cr | ₹87.4K Cr | +26.2% |
| Shareholders' Equity | ₹11.4K Cr | ₹13.7K Cr | ₹15.8K Cr | +17.6% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
HDBFS vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
| SUNDARMFIN Sundaram Finance Limited | -100.0% | 17 | Data Limited | 14.2% | — |
| SBICARD SBI Cards and Payment Services Limited | -23.2% | 38 | Overvalued | 13.9% | — |
| LTF L&T Finance Limited | +51.2% | 55 | Data Limited | 10.3% | — |
| M&MFIN Mahindra & Mahindra Financial Services Limited | +140.6% | 55 | Undervalued | 10.5% | — |
| HUDCO HUDCO | — | — | Pending | 15.1% | — |
Click a ticker to view its fair-value analysis.
Dividend History
1 ex-dividend event on file. Source: NSE corporate-actions feed.
Total paid (5Y)
₹2.00/sh
Last payout
2025-10-24
₹2.00
Peak payout
₹2.00
Trailing yield
0.29%
Amounts parsed from NSE subject lines; percent-of-face-value declarations are not converted and shown as missing.
AI Analysis Summary
Model-generated description of metrics. Not investment advice. HDB Financial Services Limited (HDBFS.NS) trades at 694.10 vs a model fair value of 647.20, a gap of -6.8%. Piotroski F-score: 2/9. Moat ...
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Market-implied growth
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Risk Analysis
Volatility & drawdown
Risk profile of HDBFS →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
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News & Filings
Recent activity
BSE filings + news for HDBFS →
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Head-to-head with peers
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Analyse HDBFSNow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.