ALFA Finder| Margins | NIM improved to 8.23% from 8.09% QoQ; guiding for 8%+. |
|---|---|
| Demand visibility | Strong rural demand and sustained domestic economic activity noted. |
| Management confidence | High; cited record disbursements and 2.5x customer expansion since 2022. |
Growth
Net interest income rose 21.6% YoY; PAT stood at ₹751cr. Gross loan book reached ₹1,18,493cr, up 10.9% YoY.
Outlook
Targeting medium-term growth of Nominal GDP + 6-7%. Guidance for 8%+ NIM and credit costs around 2.3%.
Risks
West Asia conflict and potential El Niño weather disruptions are key monitorables for inflation and supply chains.
Earnings Call filed with NSE, NSE: HDBFS. Summary written with AI assistance from the document.
HDB Financial Services Ltd: key numbers
- Share price
- ₹566.40
- Market cap
- ₹47,063 Cr
- Revenue (annual)
- ₹18,430 Cr
- Net profit (annual)
- ₹2,544 Cr
- P/E (TTM)
- 15.9×Sector 21.0×
- Promoter holding
- 74.08%-0.04% QoQ
- FII holding
- 4.04%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from HDB Financial Services Ltd
All →HDB Financial Services Debt & Borrowing: ₹300 Cr
HDB Financial Services allotted 30,000 secured NCDs aggregating ₹300 Crore via private placement. The 1,117-day instrument carries an 8.50% coupon, maturing December 2029.
- Value
- ₹300.0 Cr
HDB Financial Services Board Meeting Date
HDB Financial Services schedules a 13 November 2026 committee meeting to consider fund raising. The agenda is a debt issue, with no amount stated.
HDB Financial Services Debt & Borrowing: ₹26.2 Cr
HDB Financial Services paid ₹26.20 Crore of interest on its Series 2024/18 subordinate bonds on 2 November 2026. This is routine servicing of existing debt obligations.
- Value
- ₹26.20 Cr
HDB Financial Services Debt & Borrowing: ₹11.52 Cr
HDB Financial Services paid Rs.11.52 Crore yearly interest on its perpetual debt instruments on the due date, 29 October 2026. The payment was made on time with no delay reported.
- Value
- ₹11.52 Cr
HDB Financial Services Credit Rating
CARE Ratings reaffirmed HDB Financial Services' AAA rating with Stable outlook across its debt instruments. Its A1+ short-term rating was also reaffirmed.
HDB Financial Services Debt & Borrowing: ₹29.53 Cr
HDB Financial Services paid Rs.29.53 Crore interest on two subordinate bond series on 28-Oct-2026. The yearly interest was paid in full on the due date.
- Value
- ₹29.53 Cr