HDB Financial Services
BSE: HDBFS · Non Banking Financial Company (NBFC)
Snapshot
Unlock HDB Financial Services's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
HDB Financial Services is a prominent retail-focused non-banking financial company (NBFC) that provides diverse lending products across enterprise, asset, and consumer finance segments. Additionally, the company operates a BPO division supporting HDFC Bank and distributes insurance products for HDFC group entities.
Business Model
The company generates revenue primarily through interest income on its retail and enterprise loan portfolios. It also earns fee-based income through its BPO services and commissions from the distribution of insurance products.
- Branch Network:1749 branches
- Geographic Reach:1157 cities
Growth Outlook
Growth is expected to be driven by the expansion of its retail lending footprint and continued operational synergies with its parent, HDFC Bank. The company aims to leverage its extensive branch network to deepen market penetration in both urban and semi-urban regions.
Key Risks
- Credit Risk. The company faces potential losses from defaults in its retail and enterprise loan portfolios, particularly during economic downturns.
- Regulatory Risk. As an NBFC, the company is subject to evolving Reserve Bank of India regulations that may impact liquidity, capital adequacy, and lending practices.
- Interest Rate Risk. Fluctuations in interest rates can compress net interest margins and impact the cost of funds for the company's lending operations.
- Concentration Risk. Heavy reliance on HDFC Bank for BPO service contracts and operational support creates a dependency on the parent entity's business strategy.
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Key Metrics
P/E
20.5x
Q1 FY27 · standalone
NET PROFIT MARGIN
15.9%
Q1 FY27 · standalone
DEBT TO EQUITY
5.0%
Q1 FY27 · standalone
Peers · Non Banking Financial Company (NBFC)
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
HDB Financial ServicesHDBFS | ₹56,688 Cr | 20.52 | — | — | — | 13.4% | — | -11.7% |
SBI Cards and Payment Services Ltd.SBICARD | ₹62,640 Cr | 27.54 | — | 7.9% | — | 15.4% | — | -17.0% |
Mahindra & Mahindra Financial Services Ltd.M&MFIN | ₹51,936 Cr | 15.97 | — | 13.6% | — | 13.5% | — | +42.1% |
Sundaram Finance Ltd.SUNDARMFIN | ₹51,649 Cr | 23.08 | — | 13.7% | — | 15.8% | — | +3.4% |
Authum Investment & Infrastructure Ltd.AIIL | ₹44,151 Cr | 7.58 | — | -34.5% | — | 14.2% | — | -83.2% |
Poonawalla Fincorp Ltd.POONAWALLA | ₹41,246 Cr | 49.26 | — | 72.6% | — | 8.5% | — | +8.2% |
As of Q1 FY27
Financials
HDB Financial Services
BSE: HDBFS · Non Banking Financial Company (NBFC)
Snapshot
Unlock HDB Financial Services's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
HDB Financial Services is a prominent retail-focused non-banking financial company (NBFC) that provides diverse lending products across enterprise, asset, and consumer finance segments. Additionally, the company operates a BPO division supporting HDFC Bank and distributes insurance products for HDFC group entities.
Business Model
The company generates revenue primarily through interest income on its retail and enterprise loan portfolios. It also earns fee-based income through its BPO services and commissions from the distribution of insurance products.
- Branch Network:1749 branches
- Geographic Reach:1157 cities
Growth Outlook
Growth is expected to be driven by the expansion of its retail lending footprint and continued operational synergies with its parent, HDFC Bank. The company aims to leverage its extensive branch network to deepen market penetration in both urban and semi-urban regions.
Key Risks
- Credit Risk. The company faces potential losses from defaults in its retail and enterprise loan portfolios, particularly during economic downturns.
- Regulatory Risk. As an NBFC, the company is subject to evolving Reserve Bank of India regulations that may impact liquidity, capital adequacy, and lending practices.
- Interest Rate Risk. Fluctuations in interest rates can compress net interest margins and impact the cost of funds for the company's lending operations.
- Concentration Risk. Heavy reliance on HDFC Bank for BPO service contracts and operational support creates a dependency on the parent entity's business strategy.
Start your research today
Unlock AI insights, financials, peers and live data on HDB Financial Services and 5,000+ companies — free.
Key Metrics
P/E
20.5x
Q1 FY27 · standalone
NET PROFIT MARGIN
15.9%
Q1 FY27 · standalone
DEBT TO EQUITY
5.0%
Q1 FY27 · standalone
Peers · Non Banking Financial Company (NBFC)
As of Q1 FY27