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Swing Capital

HDB Financial Services Ltd

NSE: HDBFS BSE: 544429Banking

Incorporated in 2007, HDB Financial Services Ltd is in the business of lending and providing BPO services[1]One of the largest retail-focused non-banking financial company, its[2] lending products are offered throughour three business verticals: Enterprise Lending, Asset Finance and Consumer Finance

₹675
52W: ₹555 — ₹892
PE 22 · Book ₹249 · +171% vs book
Market Cap₹56,044 Cr
Stock P/E22Price to Earnings
ROCE9.15%Return on Capital
ROE13.9%Return on Equity
Div. Yield0.59%Face Value ₹10

Weaknesses

  • −Stock is trading at 2.71 times its book value
  • −Company has low interest coverage ratio.
  • −The company has delivered a poor sales growth of 11.0% over past five years.
  • −Company might be capitalizing the interest cost
  • −Dividend payout has been low at 11.2% of profits over last 3 years

Shareholding Pattern

Promoters74.12%
FIIs3.01%
DIIs12.29%
Public10.35%
CategorySep 2025Dec 2025Mar 2026
Promoters74.19%74.15%▼0.074.12%▼0.0
FIIs3.17%3.32%▲0.13.01%▼0.3
DIIs10.93%11.41%▲0.512.29%▲0.9
Public11.48%10.9%▼0.610.35%▼0.6

Financial Statements

MetricMar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales000000000
Expenses1,3681,5601,5611,8091,8581,9422,0172,0581,997
Operating Profit000000000
OPM %0%0%0%0%0%0%0%0%0%
Net Profit656582591472531568581644751
EPS ₹8.277.337.445.956.676.847.017.769.04

AI Insights

Revenue Trend

Mar 2026 revenue at ₹0Cr, up 0% YoY. OPM at 0%.

Debt Position

Borrowings at ₹0Cr. Debt-to-equity ratio: 0.00x. Healthy balance sheet.

Margin & Efficiency

ROCE improving from 0% (Mar 2021) to 0% (Mar 2026). Working capital days: 0.

Valuation

PE 22x with 9.15% ROCE. Price is 171% above book value of ₹249. Dividend yield: 0.59%.

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