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Data quality observations on this stock — see hidden fields below.
Reported as ticker: HDBFS· We're continuously improving data quality. Contact support if this persists.
HDB Financial Services Limited
HDBFS · General/Diversified · NSE
₹620
Current Market Price
Fair Value (P/B + Residual Income)
₹581
Discount to FV
-6.3%
Updated just now
YieldIQ Score
61/100
Piotroski F-Score
7/9
Economic Moat
None
Confidence
19%
ROE
12.3%
Debt/Equity
4.46
Cost of Equity
12.8%
Market Cap
₹51,371 Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
5.4%
Return on capital employed
Revenue CAGR (3Y)
14.5%
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹620.1
Bear case
Discount -52.5%
Base case
Discount -6.8%
Bull case
Discount +23.7%
Ratio Trends
HDBFS · last 4 annual periods
ROE
12.3%
ROCE
5.4%
Operating Margin
—
Debt / Equity
4.46×
PE
—
EV / EBITDA
—
Historical Financials
HDBFS · Annual, last 4 years· amounts in ₹Cr unless noted
| Metric | 2023 yfinance | 2024 yfinance | 2025 yfinance | 2026 yfinance | CAGR |
|---|---|---|---|---|---|
| Revenue | ₹12.2K Cr | ₹13.9K Cr | ₹16.2K Cr | ₹18.4K Cr | +14.5% |
| EBITDA | ₹4775 Cr | ₹6201 Cr | ₹5180 Cr | ₹6359 Cr | +10.0% |
| EBIT | ₹4663 Cr | ₹6056 Cr | ₹4985 Cr | ₹6150 Cr | +9.7% |
| PAT | ₹1959 Cr | ₹2461 Cr | ₹2176 Cr | ₹2544 Cr | +9.1% |
| EPS (diluted) | ₹23.62 | ₹29.66 | ₹26.29 | ₹30.88 | +9.3% |
| CFO | ₹-6851 Cr | ₹-16.7K Cr | ₹-13.6K Cr | ₹-8606 Cr | — |
| CapEx | ₹-111 Cr | ₹-123 Cr | ₹-210 Cr | ₹-144 Cr | — |
| FCF | ₹-6962 Cr | ₹-16.9K Cr | ₹-13.8K Cr | ₹-8749 Cr | — |
| Total Assets | ₹70.1K Cr | ₹92.6K Cr | ₹108.7K Cr | ₹123.7K Cr | +20.9% |
| Total Debt | ₹54.9K Cr | ₹74.3K Cr | ₹87.4K Cr | ₹92.3K Cr | +18.9% |
| Shareholders' Equity | ₹11.4K Cr | ₹13.7K Cr | ₹15.8K Cr | ₹20.7K Cr | +21.8% |
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 SUNDARMFIN | — | — | Pending | 14.2% | — |
 SBICARD SBICARD | — | — | Pending | 13.9% | — |
 LTF LTF | — | — | Pending | 10.7% | — |
 M&MFIN M&MFIN | — | — | Pending | 10.7% | 13.9× |
 HUDCO HUDCO | — | — | Pending | 18.4% | 7.9× |
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
0.32%
Amounts parsed from NSE subject lines. Percent-of-face-value declarations are converted using the per-ticker face value (defaults to ₹10).
AI Analysis Summary
Model-generated description of metrics. Not investment advice. HDB Financial Services Limited (HDBFS.NS) trades at 620.10 vs a model fair value of 580.75, a gap of -6.3%. Piotroski F-score: 7/9. Moat ...
Read full AI analysis →Risk Analysis
Volatility & drawdown
Risk profile of HDBFS →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
Reference indicators →
News & Filings
Recent activity
BSE filings + news for HDBFS →
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Head-to-head with peers
Compare HDBFS side by side →
Run Full Interactive Analysis
P/B + Residual Income breakdown, peer comparison, and more.
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.