profit from every ₹100 of sales.
₹0₹100
HDB Financial Services
₹566.65+0.27% today
-24.8% in 1 year
1-year low ₹498.551-year high ₹774.50
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2023 to 2026.
0%20% a year
You pay ₹18.46 for every ₹1 of profit it makes in a year.
CheapExpensive
of earnings would pay off all its debt.
No debt5 years
Money in, money out
What HDB Financial Services sold, what it kept, and what it did with the cash.
Sales went from ₹122 billion in 2023 to ₹181 billion in 2026, with ₹25.4 billion of profit last year.
SalesProfit
HDB Financial Services vs. similar companies
HDB Financial Services grows in the middle of these 5 and is the cheapest for its profits.
| Company | Profit from ₹100 of sales | Sales growth a year | Price per ₹1 of profit |
|---|---|---|---|
| HDB Financial Services | 18.5× · Fair price | ||
 Visa | 33.8× · Expensive | ||
 Mastercard | 38.5× · Expensive | ||
 American Express | 19.8× · Fair price | ||
 Capital One Financial | 47.8× · Expensive |
AI analysis
An AI analyst reads HDB Financial Services's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of INR | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| 122,439 | 139,463 | 160,796 | 181,434 | |
| 71,369 | 84,545 | 100,201 | 113,527 | |
| 59,096 | 70,323 | 84,402 | 94,531 | |
| 47,838 | 62,777 | 66,718 | 70,624 | |
| 19,594 | 24,608 | 21,759 | 25,438 | |
| 23.62 | 29.66 | 26.29 | – | |
| 58.3% | 60.6% | 62.3% | 62.6% | |
| 48.3% | 50.4% | 52.5% | 52.1% | |
| 16.0% | 17.6% | 13.5% | 14.0% |
Balance sheet
| In millions of INR | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| Total assets | 700,504 | 925,565 | 1,086,633 | 1,236,515 |
| Cash | 3,959 | 6,479 | 9,505 | 12,461 |
| Total debt | 548,653 | 743,307 | 896,824 | 992,301 |
| Total liabilities | 586,134 | 788,138 | 928,435 | 1,029,874 |
| 114,370 | 137,427 | 158,198 | 206,641 | |
| 830 | 830 | 828 | – | |
| 5.6% | 5.5% | 4.9% | 4.5% | |
| 17.1% | 17.9% | 13.8% | 12.3% |
Cash flow
| In millions of INR | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| -68,506 | -167,360 | -136,263 | -86,056 | |
| 1,113 | 1,234 | 2,098 | 1,436 | |
| -69,619 | -168,594 | -138,361 | -87,492 | |
| Dividends paid | 1,503 | 2,454 | 2,381 | 2,455 |
| – | – | – | – | |
| 436 | 552 | 625 | 490 |
Valuation
- 18.5×
- –
- –
- 2.5×
- 2.6×
- –
- 20.5×
- -18.6%
- 5.4%
- 0.5%
Profitability
- 62.6%
- 52.1%
- 14.0%
- –
- 4.3%
- 4.8%
- –
- –
- –
- –
Growth
- +14.0%
- –
- –
- –
- −0.1%
Financial health
- 13.9×
- 4.80
- –
- 2.0×
- 1.29
- –
- –
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 50%of 848
Top 13%of 728
Bottom 30%of 880
Top 32%of 878
Bottom 5%of 932
0.5%of the share price, paid each year
On $1,000 invested$5a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
9.7% of its profit
Room to growStretchedMore than it earnsNews
ArrowMark Financial declares $0.15 dividendSeeking Alpha · Nov 14, 2026Sagicor Financial declares $0.075 dividendSeeking Alpha · Nov 14, 2026‘She has a history of financial mismanagement’: My brother cut our sister out of his will. I’ll get everything. Do I tell her?MarketWatch · Nov 13, 2026Sumitomo Mitsui Financial GAAP EPS of ¥232.59, total operating income of ¥1.43BSeeking Alpha · Nov 13, 2026Huang's exit, AI bubble and financial crisis fears in focus on Web Summit's last dayYahoo Finance · Nov 13, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
0/7Passes 0 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
37No pass
Benjamin Graham
44No pass
Philip Fisher
58No pass
Peter Lynch
46No pass
Joel Greenblatt
21No pass
Charlie Munger
41No pass
Terry Smith
37No pass
Questions about HDB Financial Services
Is HDB Financial Services a good stock to buy?
A business with weak numbers at a fair price. 0 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the HDB Financial Services AI analysis
What does HDB Financial Services do?
HDB Financial Services Limited operates as a non-banking financial company that provides lending and business process outsourcing services in India. It is in Credit Services, based in Mumbai, India.
Does HDB Financial Services pay a dividend?
Yes. At today's price the dividend is 0.5% a year, about 10% of its yearly profit. In 2026 it paid out ₹2.45 billion in dividends.
Is HDB Financial Services stock halal?
No. HDB Financial Services does not pass our halal screen: its main business, lending at interest, is not permitted. How we check
How has HDB Financial Services stock done over the past year?
Down 24.8% over the past twelve months, to ₹566.65. It traded between ₹498.55 and ₹774.50 and is 26.8% below its high.
Who are HDB Financial Services's competitors?
The largest listed companies in the same industry are Visa, Mastercard, American Express and Capital One Financial. The peers table on this page compares their profit, growth and price with HDB Financial Services's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.