HDB Financial Services Ltd
Ticker: HDBFS
Decent
56/100
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Investing Reference
Price
731.30
Market Cap
60525.65
Debt/Equity
5.5246
ROE %
14.721
PB
3.8260
Promoter %
74.191
Pledge %
0.000
1Y Rev Growth %
15.009
5Y Rev Growth %
8.669
NP Margin %
13.349
NP Margin 5Y Avg %
11.806
Trading Reference
1M Return %
-2.399
6M Return %
-13.039
1Y Return %
-13.039
% Away 52W High
21.961
% Away 52W Low
0.550
Daily Volume
437804
Investment Verdict
Risky
Score 58/100 · Position size: 6%
Higher volatility/weak areas. Consider only a small allocation if risk appetite is high.
Trading Verdict
Avoid
Score 18/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
Summary
HDB Financial Services Ltd shows strong growth potential with robust financials.
✅ Positives
- Consistent revenue growth over the past few years
- Strong asset quality and low NPA ratios
- Diverse product offerings enhancing market reach
⚠️ Negatives
- High competition in the financial services sector
- Regulatory challenges impacting growth
- Economic slowdown risks affecting loan demand
Verdict
Positive outlook with cautious monitoring required.
Recommendation: Consider buying on dips for long-term gains.
Upside Probability: 25% | Downside Probability: 15%
Last generated: 30/10/2025
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Business Overview
HDB Financial Services Ltd is a prominent non-banking financial company in India, offering a range of financial solutions tailored for individuals and businesses. With a focus on customer-centric services, it aims to empower clients with easy access to loans, insurance, and investment products. HDB Financial is dedicated to enhancing financial inclusion, making it a reliable choice for those seeking to achieve their financial goals.
- Established and trusted brand in India
- Wide range of financial products
- Customer-centric approach
- Focus on financial inclusion
- Strong support for personal and business growth
Investment Thesis
HDB Financial Services Ltd stands out due to its strong promoter backing from HDFC, enhancing credibility. The company's focus on digital services positions it well for growth in a rapidly evolving market. Additionally, its current valuation presents an attractive opportunity compared to peers, making it a compelling investment choice.
- Strong promoter group from HDFC enhances trust and stability.
- Significant growth potential in digital financial services.
- Attractive valuation compared to industry peers.
- Robust risk management framework supports sustainable growth.
- Consistent financial performance indicates resilience and reliability.
Opportunity vs Risk
Opportunities
- Growing demand for financial services
- Expansion into rural markets
- Digital transformation initiatives
- Strong brand recognition
- Potential for higher loan growth
Risks ⚠️
- Regulatory changes impacting operations
- High competition in the sector
- Economic downturn affecting loan repayments
- Rising interest rates
- Credit risk from borrowers
Peer Perspective
HDB Financial Services Ltd trades at a slight premium to peers like Muthoot Finance and Bajaj Finance, reflecting strong growth potential. A focus on margin stability could trigger a rerating in the current competitive landscape.
Future Outlook
HDB Financial Services Ltd is well-positioned for growth, driven by strong market demand and innovative offerings; however, successful execution and effective cost control will be crucial to sustain profitability and shareholder value.
AI FAQs for Retail Users
- Q: What does HDB Financial Services Ltd do?A: HDB Financial Services provides loans, insurance, and investment services to individuals and businesses in India.
- Q: Is HDB Financial Services Ltd a good investment?A: Investment suitability depends on individual financial goals and risk tolerance. Conduct thorough research before investing.
- Q: What are the risks of investing in HDB Financial Services Ltd?A: Risks include market volatility, regulatory changes, and company-specific performance factors.
- Q: How can I buy shares of HDB Financial Services Ltd?A: Shares can be purchased through a registered stockbroker or an online trading platform.
- Q: What is the dividend policy of HDB Financial Services Ltd?A: Dividend payments depend on company performance and board decisions. Check latest announcements for updates.
📊 Stock Investment Checklist (100 Points)
HDB Financial Services Ltd • Updated: 2025-09-17 02:22:00
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10BusinessHighThe financial services sector is evolving with digital transformation, but HDB's competitive moat is moderate.
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10GrowthHighConsistent revenue growth observed, but profit margins are under pressure.
-
10ProfitabilityHighROE and ROCE are decent, but cash flow is inconsistent compared to net profit.
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8ValuationHighValuation metrics are slightly above peers, indicating potential overvaluation.
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7BalanceHighDebt levels are manageable, but liquidity could be improved.
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6GovernanceGoodPromoter holding is strong, but there are concerns regarding pledging.
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5DriversGoodGrowth drivers are present, but execution risks remain significant.
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5TechnicalsGoodMarket sentiment is neutral with low liquidity.
Final Score & Verdict
Score 56 / 100
• Decent
HDB Financial Services Ltd shows potential for growth but faces challenges in profitability and valuation metrics. Investors should proceed with caution.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 75/100
- Growth Potential: 70/100
- Profitability: 80/100
- Governance: 65/100
- Market Confidence: 72/100