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HDB Financial Services Key Ratios

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NSE: HDBFS | BSE: 544429

₹618.20

up-down-arrow ₹-3.10 (-0.50%)

As on 01-Oct-2026IST

Market cap

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₹51,343 Cr

Revenue (TTM)

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₹18,902 Cr

P/E Ratio

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18.6

P/B Ratio

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2.4

Div. Yield

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0.6 %

Key Ratios and Highlights

Growth Score (%) Quarterly Annual (TTM)
Particulars QoQ YoY 1-Year 3-Years 5-Years
Revenue 4.06 10.58 11.97 14.11 10.98
EBIT 4.26 13.60 10.86 18.61 18.51
Net Profit 4.61 38.31 17.76 9.09 45.40
EPS 4.60 32.55 22.30 7.36 43.93
Book Value -- -- 25.17 19.73 18.40
Key Ratios (%) Average Annual (TTM)
Particulars3-Years5-YearsTTMMar-26Mar-25
EBIT-Margin info 56.9752.3555.7755.5757.42
Net Margin info 14.8413.8414.6113.8013.35
Return on equity info 16.1615.7113.8014.0414.81
Return on Assets info 2.452.394.472.182.15

Profitability

View Detailed Peer Comparison

ROCE

--

--

Earning before interest and taxes / (Average net worth + Average total Debt) * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
HDB Financial Services
--
9.09
9.67
10.64
9.87
Peer Median
--
9.09
3.50
10.64
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROE

13.80

Higher than Peers by 0.52

Profit after tax / Average Net worth * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
HDB Financial Services
13.80
14.04
14.81
19.63
18.75
Peer Median
13.28
26.47
1.79
26.31
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROA

4.47

Higher than Peers by 0.88

Profit after tax / Average Total assets * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
HDB Financial Services
4.47
2.18
2.15
3.02
2.97
Peer Median
3.58
2.80
1.68
2.48
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Margin

55.77

Higher than Peers by 18.86

Operating profit (EBIT) / Net Sales * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
HDB Financial Services
55.77
55.57
57.42
57.93
49.49
Peer Median
36.91
55.77
37.67
54.90
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Margin

14.61

Higher than Peers by 0.91

Net profit / Total Income (Net sales plus other income) * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
HDB Financial Services
14.61
13.80
13.35
17.36
15.77
Peer Median
13.70
15.47
15.34
15.32
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Cash Profit Margin

--

--

(Net profit + Depreciation) / Gross Sales * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
HDB Financial Services
--
14.94
14.54
18.39
16.70
Peer Median
0.00
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Growth

View Detailed Peer Comparison

Revenue Growth

11.97

Lower than Peers by 6.74

Year on year growth in net sales

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
HDB Financial Services
11.97
13.06
15.01
14.27
9.70
Peer Median
18.71
11.97
48.89
42.20
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Growth

10.86

Lower than Peers by 9.38

Year on year growth in operating profit (EBIT)

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
HDB Financial Services
10.86
9.42
14.00
33.76
31.39
Peer Median
20.24
11.85
11.00
51.15
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Profit Growth

17.76

Higher than Peers by 0.75

Year on year growth in profit after tax

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
HDB Financial Services
17.76
16.91
-11.58
25.59
93.73
Peer Median
17.01
27.72
-21.65
36.20
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EPS Growth

22.30

Higher than Peers by 8.09

Year on year growth in earnings per share

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
HDB Financial Services
22.30
12.04
-11.88
25.33
93.49
Peer Median
14.21
17.41
-21.88
36.23
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Book Value Growth

--

--

Year on year growth in book value per share

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
HDB Financial Services
--
30.60
14.93
19.97
19.92
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Solvency

View Detailed Peer Comparison

Debt to Equity

--

--

Total debt / Net worth

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
HDB Financial Services
--
4.83
5.71
5.44
4.81
Peer Median
--
4.83
0.01
1.40
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Short term debt to equity ratio

--

--

(Short term borrowings / Net worth)

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
HDB Financial Services
--
1.66
2.45
1.86
1.71
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Current Ratio

1.19

Lower than Peers by 27.73

Current Assets / Current Liabilities and Provisions

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
HDB Financial Services
1.19
0.20
0.11
1.21
1.16
Peer Median
28.92
0.20
3.35
1.02
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Quick Ratio

1.19

Lower than Peers by 15.30

(Current Assets - Inventory) / Current Liabilities and Provisions

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
HDB Financial Services
1.19
0.20
0.11
1.21
1.23
Peer Median
16.49
1.23
3.66
5.14
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Interest Coverage

1.54

Lower than Peers by 135.96

Earning before interest and taxes (EBIT) / Interest Expenses

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
HDB Financial Services
1.54
1.49
1.46
1.67
1.74
Peer Median
137.50
1.94
7.04
1.66
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Valuation

View Detailed Peer Comparison

Price / Earnings

18.60

Lower than Peers by 8.72

Current share price divided by earning per share in the last twelve months

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
HDB Financial Services
18.60
18.28
--
--
--
Peer Median
27.32
27.32
80.10
52.43
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Price / Book Value

2.41

Lower than Peers by 0.92

Current share price divided by book value per share in the latest financial year

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
HDB Financial Services
2.41
2.27
--
--
--
Peer Median
3.33
3.33
1.44
11.30
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Dividend Yield

0.65

Higher than Peers by 0.56

Dividend per share in the past twelve months divided by current share price

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
HDB Financial Services
0.65
0.71
--
--
--
Peer Median
0.09
0.18
--
0.04
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EV/EBITDA

13.88

--

Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
HDB Financial Services
13.88
13.81
9.37
8.91
8.77
Peer Median
--
15.96
5.87
13.03
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Market Cap

51,343

Lower than Peers by 2,25,797

Current Share price multiplied by latest total number of shares outstanding

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
HDB Financial Services
51,343
46,502
--
--
--
Peer Median
2,77,141
1,35,602
18
12,900
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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