HDB Financial Services Limited Stock Price Today (NSE: HDBFS)
HDB Financial Services Limited
Fundamental Score
HDB Financial Services Limited Share Price — Live NSE/BSE Price, Fundamentals & Analysis
HDB Financial Services Limited share price today is ₹559.95, down 3.55% on NSE/BSE as of 30 March 2026. HDB Financial Services Limited (HDBFS) is a Large-cap company in the Non Banking Financial Company (NBFC) sector with a market capitalisation of ₹63.09K (Cr). The 52-week high for HDBFS share price is ₹891.90 and the 52-week low is ₹585.00. At a P/E ratio of 29.31x, HDBFS is currently trading above its industry average P/E of 22.03x. The company has a Return on Equity (ROE) of 14.72% and a debt-to-equity ratio of 4.68.
HDB Financial Services Limited Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
HDB Financial Services Limited Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
A Conservative Value Investor's View on HDB Financial Services Share Price
One crucial element often overlooked within the Non-Banking Financial Company (NBFC) landscape is the nuanced understanding of risk management frameworks and their demonstrable impact on long-term portfolio quality. This analysis offers a conservative perspective on the *HDB Financial Services share price* (₹722.799988), viewed through the lens of capital safety and sustainable value creation. With a PE ratio of 29.31, the current valuation demands close scrutiny, especially considering the prevailing economic climate and the potential for increased non-performing assets within the NBFC sector. This is part of a comprehensive 80-parameter fundamental audit personally verified by Sweta Mishra.
A critical factor in assessing HDB Financial Services' long-term viability is its Return on Capital Employed (ROCE) of 9.79%. While seemingly adequate, this figure warrants deeper investigation. A ROCE close to 10% suggests a limited economic moat. It implies that the company may not possess significant competitive advantages that would allow it to consistently generate above-average returns. This is concerning for a value investor prioritizing long term safety.
Comparing HDB Financial Services with its peers reveals interesting insights. For example,
Apollo Finvest exhibits a different risk profile. While specific data regarding Apollo Finvest's management quality is unavailable in this context, a thorough examination of management track record, capital allocation decisions, and corporate governance practices would be essential. A higher quality management team, demonstrated through prudent lending and efficient operations, could justify a premium valuation, even with similar financial metrics.Ultimately, from a conservative value investing perspective, the current *HDB Financial Services share price* necessitates further due diligence. The 9.79% ROCE raises concerns about the sustainability of returns and the strength of its competitive moat. A comprehensive understanding of HDB Financial Services' asset quality, funding sources, and risk management protocols is vital to determine whether the current valuation adequately reflects the inherent risks and opportunities. This analysis reflects observations based on available data and does not constitute investment advice.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
HDB Financial Services Limited Fundamental Analysis & Valuation Benchmarking
Educational evaluation of HDBFS across key market metrics for learning purposes.
Positive Indicators
3 factors identified
Strong Operating Margins (51.32%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Balanced Promoter Holding (74.19%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
4 factors identified
Suboptimal ROCE (9.79%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Elevated Debt Levels (D/E: 4.68)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (1.42x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Negative Free Cash Flow (₹-36071.68 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
HDB Financial Services Limited Financial Statements
Comprehensive financial data for HDB Financial Services Limited including income statement, balance sheet and cash flow
About HDBFS (HDB Financial Services Limited)
HDB Financial Services Limited is a prominent Non-Banking Financial Company (NBFC) deeply ingrained in the Indian financial landscape. It functions as a crucial bridge connecting i...ndividuals and businesses with the financial resources they need to thrive. The company's core business revolves around providing a wide spectrum of lending solutions tailored to diverse needs. From assisting individuals in realizing their aspirations through personal loans to empowering small businesses with crucial capital injections, HDBFS plays a significant role in enabling economic growth. Beyond lending, the company extends its services into business process outsourcing, contributing to operational efficiency for its clients and solidifying its position as a multifaceted financial institution. The breadth of HDBFS's product portfolio is a testament to its commitment to serving a wide range of customers. Recognizing that financial needs vary significantly, the company offers a suite of tailored loan products. These include provisions for vehicle ownership, from two-wheelers to commercial vehicles, equipping individuals and businesses with essential transportation tools. For those seeking asset-backed financing, options like gold loans and loans against property offer pathways to unlock the value of existing assets. The company even caters to specialized sectors like agriculture through tractor loans, demonstrating its reach across the Indian economy. Supplementing this is the availability of insurance products, reflecting the organization's drive for inclusive financial solutions. HDBFS strategically positions itself as a partner in progress for both individuals and businesses. Its presence spans across various segments, catering to both urban and rural populations. The company's impact is particularly noteworthy in empowering micro-entrepreneurs and small business owners, providing them with the financial fuel needed to expand their operations and contribute to local economies. By offering accessible and customized financial solutions, HDBFS actively promotes financial inclusion and enables economic empowerment across the country. Its commitment to innovation and customer-centricity ensures it remains relevant in the dynamic landscape of the Indian financial sector.
Company Details
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HDBFS Share Price: Frequently Asked Questions
What is the current share price of HDB Financial Services Limited (HDBFS)?
As of 30 Mar 2026, 12:01 pm IST, HDB Financial Services Limited share price is ₹559.95. The HDBFS stock has a market capitalisation of ₹63.09K (Cr) on NSE/BSE.
Is HDBFS share price Overvalued or Undervalued?
HDBFS share price is currently trading at a P/E ratio of 29.31x, compared to the industry average of 22.03x. Based on this relative valuation, the HDB Financial Services Limited stock appears to be Overvalued against its sector peers.
What is the 52-week high and low of HDBFS share price?
The 52-week high of HDBFS share price is ₹891.90 and the 52-week low is ₹585.00. These values are updated daily from NSE/BSE price data.
What factors affect the HDB Financial Services Limited share price?
Key factors influencing HDBFS share price include quarterly earnings growth (Sales Growth: 13.44%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is HDB Financial Services Limited a good stock for long-term investment?
HDB Financial Services Limited shows a 5-year Profit Growth of N/A% and an ROE of 14.72%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 4.68 before investing in HDBFS shares.
How does HDB Financial Services Limited compare with its industry peers?
HDB Financial Services Limited competes with major peers in the Non Banking Financial Company (NBFC). Investors should compare HDBFS share price P/E of 29.31x and ROE of 14.72% against the industry averages to determine competitive standing.
What is the P/E ratio of HDBFS and what does it mean?
HDBFS share price has a P/E ratio of 29.31x compared to the industry average of 22.03x. Investors pay ₹29 for every ₹1 of annual earnings.
How is HDBFS performing according to Bull Run's analysis?
HDBFS has a Bull Run fundamental score of 25.3/100, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does HDBFS belong to?
HDBFS operates in the Non Banking Financial Company (NBFC) industry. This classification helps understand the competitive landscape and sector-specific trends affecting HDB Financial Services Limited share price.
What is Return on Equity (ROE) and why is it important for HDBFS?
HDBFS has an ROE of 14.72%, which shows decent profitability but room for improvement. ROE measures how efficiently HDB Financial Services Limited generates profits from shareholders capital.
How is HDBFS debt-to-equity ratio and what does it indicate?
HDBFS has a debt-to-equity ratio of 4.68, which indicates high leverage that increases financial risk.
What is HDBFS dividend yield and is it a good dividend stock?
HDBFS offers a dividend yield of 0.26%, meaning you receive ₹0.26 annual dividend for every ₹100 invested in HDB Financial Services Limited shares.
How has HDBFS share price grown over the past 5 years?
HDBFS has achieved 5-year growth rates of: Sales Growth N/A%, Profit Growth N/A%, and EPS Growth N/A%.
What is the promoter holding in HDBFS and why does it matter?
Promoters hold 74.19% of HDBFS shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in HDB Financial Services Limited.
What is HDBFS market capitalisation category?
HDBFS has a market capitalisation of ₹63089 crores, placing it in the Large-cap category.
How volatile is HDBFS stock?
HDBFS has a beta of N/A. A beta > 1 suggests the HDB Financial Services Limited stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is HDBFS operating profit margin trend?
HDBFS has a 5-year average Operating Profit Margin (OPM) of 51.32%, indicating the company's operational efficiency.
How is HDBFS quarterly performance?
Recent quarterly performance shows HDB Financial Services Limited YoY Sales Growth of 13.44% and YoY Profit Growth of -1.62%.
What is the institutional holding pattern in HDBFS?
HDBFS has FII holding of 3.17% and DII holding of 10.93%. Significant institutional holding often suggests professional confidence in the HDB Financial Services Limited stock.