HDB Financial Services LimitedHDBFSBank / NBFC

Financial Services Credit Services Latest results: Sep 2026 7 quarters of data

₹510.05

MCap ₹42,255 Cr · P/E 14.3

HDB Financial Services Limited — Stock analysis & AI research HDB Financial Services Limited — Seasonality — best & worst months HDB Financial Services Limited — Technical indicators & charts HDB Financial Services Limited — Technical setup — score, trend, support & resistance HDB Financial Services Limited — Live exchange announcements

📋 High Promoter Holding Stocks 📋 Mid Cap Stocks List 📈 RSI Oversold Stocks 📈 Lowest Technical Score 📈 Multi-Timeframe Bearish Stocks 📈 Stocks Near 52-Week Low ⚖️ vs Tata Capital 🏭 Financial Services sector

AI-assisted data: figures and text on this page are extracted from public quarterly filings with AI assistance, checked automatically and overseen by our editorial team (human in the loop). They may still contain errors or omissions. Verify critical numbers against official company / SEBI / NSE / BSE filings before making any decision. Educational information only, not financial advice.

₹5,005 Cr

Interest Earned · Sep 2026

+28.8% YoY

₹1,044 Cr

Operating Profit · Sep 2026

-31.8% YoY

₹780 Cr

Net Profit · Sep 2026

+34.2% YoY

₹9.39

EPS · Sep 2026

+34.0% YoY

—

Gross NPA % · Sep 2026

—

Net NPA % · Sep 2026

📝 HDB Financial Services Limited — results explained

Quarter ended September 2026 (Q2 FY27)

HDB Financial Services Limited reported total income of ₹5,005 crore for the quarter ended September 2026 (Q2 FY27), up 10.1% from ₹4,545 crore in the same quarter last year, and up 1.4% sequentially over the June 2026 quarter.

Net profit rose 34.2% year-on-year to ₹780 crore, from ₹581 crore. Earnings per share (EPS) came in at ₹9.39.

Full year and trailing twelve months

For the full year FY26, HDB Financial Services Limited posted total income of ₹18,430 crore, with a net profit of ₹2,544 crore.

On a trailing-twelve-month (TTM) basis, total income stands at ₹19,362 crore with a net profit of ₹2,960 crore.

Valuation snapshot

At the current price of ₹510.05, HDBFS has a market capitalisation of ₹42,255 crore and a trailing P/E of about 14.3.

Within the Credit Services industry, it is the 10th-largest of the 23 companies we track by market value.

Shareholding pattern

As of Sep 2026, promoters held 74.08%, foreign institutional investors (FIIs) 4.04%, domestic institutional investors (DIIs) 11.95%, public shareholders 9.70% of HDB Financial Services Limited.

📈 Share price & events

📊 Quarterly trend

₹ crore

🎯 Key metrics

price-linked ratios use the latest close

Valuation

Market Cap ?

₹42,255 Cr

Current Price ?

₹510.1

P/E ?

14.28below ind

Industry P/E ?

14.30

P/B ?

1.91

P/S ?

2.18

P/FCF ?

N/A

Enterprise Value ?

N/A

EV/EBITDA ?

N/A

PEG ?

N/A

Earnings Yield ?

7.0%

Dividend Yield ?

N/A

Profitability & Returns

Total Income (TTM) ?

₹19,362 Cr

OPM ?

27.7%

Profit after tax (TTM) ?

₹2,960 Cr

EPS (TTM) ?

₹35.73

ROCE ?

N/A

ROE ?

13.4%

ROA ?

2.3%

Gross NPA % ?

N/A

Net NPA % ?

N/A

Growth

Total Income — latest qtr ?

₹5,005 Cr

PAT — latest qtr ?

₹780 Cr

YoY qtr sales growth ?

10.1%

YoY qtr profit growth ?

34.2%

Sales growth (3y) ?

N/A

Sales growth (5y) ?

N/A

Profit growth (3y) ?

N/A

Profit growth (5y) ?

N/A

Financial Health

Debt ?

N/A

Debt to Equity ?

N/A

Interest Coverage ?

N/A

Current Ratio ?

N/A

Ownership

Promoter holding ?

74.08%

Change in promoter holding ?

0.00%

Pledged percentage ?

N/A

Market

Return 3 months ?

-26.2%

Return 6 months ?

-24.4%

🗓️ Quarterly results (7 quarters · ₹ Cr)

same fiscal quarter as Sep bestweakest per row · for costs (interest, NPAs) low is best Highlight

Metric	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026	YoY %	QoQ %
Interest Earned	4,266	3,832	3,886	3,989	4,081	4,938	5,005	+28.8%	+1.4%
Other Income	0	634	659	684	664	0	—	—	—
Total Income	4,266	4,465	4,545	4,674	4,745	4,938	5,005	+10.1%	+1.4%
Interest Expended	1,650	1,740	1,694	1,704	1,682	1,753	1,817	+7.3%	+3.7%
Operating Profit	—	1,402	1,530	1,572	1,696	1,055	1,044	-31.8%	-1.1%
Provisions	—	670	748	712	685	—	—	—	—
Profit Before Tax	704	732	782	860	1,011	1,055	1,044	+33.4%	-1.1%
Net Profit	531	568	581	644	751	785	780	+34.2%	-0.6%
EPS	6.67	7.13	7.01	7.76	9.04	9.46	9.39	+34.0%	-0.7%
Gross NPA %	2.26%	—	—	—	—	—	—	—	—
Net NPA %	0.99%	—	—	—	—	1.04%	—	—	—
Capital Adequacy Ratio	—	—	—	—	—	—	—	—	—

📆 Annual results (₹ Cr, FY = Apr–Mar)

Metric	Prev FY	FY26	TTM	YoY %
Interest Earned	—	₹15,788 Cr	₹18,014 Cr	—
Other Income	—	₹2,641 Cr	₹1,349 Cr	—
Total Income	—	₹18,430 Cr	₹19,362 Cr	—
Interest Expended	—	₹6,820 Cr	₹6,957 Cr	—
Net Interest Income	—	₹8,968 Cr	₹11,057 Cr	—
Operating Profit	—	₹6,201 Cr	₹5,367 Cr	—
Provisions	—	₹2,815 Cr	₹1,397 Cr	—
Profit Before Tax	—	₹3,386 Cr	₹3,970 Cr	—
Tax	—	₹843 Cr	₹1,010 Cr	—
Net Profit	—	₹2,544 Cr	₹2,960 Cr	—
EPS	—	₹30.94	₹35.65	—

🏛️ Balance Sheet (latest 1 periods)

Metric	Sep 2026	% Chg
Equity Capital	831	—
Reserves	21,322	—
Borrowing	104,442	—
Other Liabilities	4,182	—
Total Liabilities	130,777	—
Fixed Assets	774	—
Investments	4,174	—
Other Assets	125,829	—
Total Assets	130,777	—

💧 Half-year Cash Flow (latest 1 periods)

Metric	Sep 2026	% Chg
Cash from Operating Activity	-4,700	—
Cash from Investing Activity	-478	—
Cash from Financing Activity	5,564	—
Net Cash Flow	386	—

👥 Shareholding (latest 1 periods)

Metric	Sep 2026	% Chg
Promoters	74.08%	—
FIIs	4.04%	—
DIIs	11.95%	—
Public	9.70%	—
No. of Shareholders	8,80,572	—

⚖️ Peer comparison

Industry: Credit Services · 23 companies · full page →

#	Company	CMP	MCap (Cr)	P/E	Total Inc TTM	NP TTM	OPM%	NPM%	Inc YoY%	NP YoY%	Qtr Rev Δ%	Qtr NP Δ%
1	BAJFINANCE Bajaj Finance	₹926.00	576,334	26.6	90,578	22,067	19.7%	24.4%	18.4%	15.2%	21.8%	28.7%
2	SHRIRAMFIN Shriram Finance	₹1,028.60	242,034	21.1	50,068	11,318	27.5%	22.6%	15.1%	4.7%	16.3%	59.9%
3	CHOLAFIN Cholamandalam Investment	₹1,529.90	131,191	22.6	33,144	5,751	14.1%	17.4%	20.6%	22.7%	21.8%	45.6%
4	PFC Power Finance	₹353.45	116,642	4.5	115,462	33,642	28.0%	29.1%	8.4%	10.2%	-0.2%	0.2%
5	MUTHOOTFIN Muthoot Finance	₹2,792.10	112,094	10.6	31,349	10,606	33.7%	33.8%	54.4%	98.1%	65.1%	135.2%
6	IRFC Indian Railway	₹81.09	105,973	14.4	30,364	7,372	18.9%	24.3%	0.7%	7.8%	24.4%	10.2%
7	RECLTD REC	₹312.70	82,341	5.1	59,274	16,035	27.4%	27.1%	5.7%	2.7%	-2.4%	-6.1%
8	LTF L&T Finance	₹309.10	77,462	15.9	20,052	4,871	12.7%	24.3%	12.4%	67.1%	26.5%	32.4%
9	SBICARD SBI Cards	₹655.20	62,352	28.8	20,712	2,166	28.8%	10.5%	11.1%	13.1%	7.4%	14.0%
10	HDBFS HDB FINANCIAL	₹670.85	55,577	18.8	19,362	2,960	27.7%	15.3%	—	—	10.1%	34.2%
11	PIRAMALFIN PIRAMAL FINANCE	₹2,256.00	53,275	—	—	—	—	—	—	—	—	—
12	SUNDARMFIN Sundaram Finance	₹4,700.00	51,802	23.4	10,164	2,220	23.7%	21.8%	15.2%	9.5%	12.8%	33.9%
13	M&MFIN Mahindra & Mahindra	₹356.50	49,540	13.8	22,720	3,604	12.8%	15.9%	13.9%	26.5%	18.1%	60.9%
14	POONAWALLA Poonawalla Fincorp	₹444.00	38,888	34.7	8,900	1,088	15.8%	12.2%	60.9%	652.7%	70.1%	405.2%
15	HUDCO Housing and Urban	₹172.35	34,503	8.1	14,119	4,255	19.2%	30.1%	28.8%	48.9%	26.9%	35.1%
16	IREDA Indian Renewable	₹111.71	31,382	15.9	8,915	1,970	17.4%	22.1%	23.4%	10.3%	13.9%	1.0%
17	MANAPPURAM Manappuram Finance	₹329.00	30,904	20.9	10,300	1,445	16.2%	14.0%	-5.5%	-17.5%	34.2%	341.4%
18	IIFL IIFL Finance	₹600.00	25,517	—	—	—	—	—	30.8%	214.4%	28.4%	92.6%
19	CHOLAHLDNG Cholamandalam Financial	₹1,329.60	24,967	9.4	41,410	6,015	18.6%	14.5%	18.3%	15.7%	19.5%	42.0%
20	CGCL Capri Global	₹238.54	22,951	20.4	5,318	1,128	22.2%	21.2%	45.9%	98.4%	57.3%	102.0%
21	IFCI IFCI	₹82.67	22,274	96.0	2,043	432	32.0%	21.2%	3.2%	24.7%	-19.6%	-3.5%
22	CREDITACC CreditAccess Grameen	₹1,142.40	18,310	11.5	6,779	1,587	29.7%	23.4%	5.3%	46.5%	26.2%	298.7%
23	KISSHT OnEMI Technology	₹361.35	6,406	—	—	—	—	—	—	—	44.6%	58.5%

❓ Frequently asked questions

What was HDB Financial Services Limited's total income in Q2 FY27?

What was HDB Financial Services Limited's net profit in Q2 FY27?