HDB Financial Services Ltd
Ticker: HDBFS
Decent
56/100
☆ Add to Watchlist
Investing Reference
Price
743.35
Market Cap
61522.97
Debt/Equity
5.5246
ROE %
14.721
PB
3.8890
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 %
-4.987
6M Return %
-11.606
1Y Return %
-11.606
% Away 52W High
19.984
% Away 52W Low
2.066
Daily Volume
921269
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.
AI Probability Statement
Probability Statement
HDB Financial Services Ltd is currently trading near a strong support level, with recent price action showing increased volume on upward movements. The 50-day EMA is trending upwards, indicating bullish momentum. However, resistance is observed at higher levels, which may limit upside potential in the short term. Overall, there is a moderate probability of price appreciation in the medium-term, contingent on breaking through resistance levels.
Upside Probability: 15% | Downside Probability: 10%
Probability estimates are technical-context statements, not investment advice.
More Options
C
Colgate-Palmolive (India) Ltd
Colgate-Palmolive (India) Ltd shows decent fundamentals with strong brand equity, but faces challenges in profitability and valuation metrics compared to peers.
View details
T
Torrent Power Ltd
Torrent Power Ltd shows potential for growth but faces challenges in profitability and valuation metrics.
View details
A
Aurobindo Pharma Ltd
Aurobindo Pharma shows potential for growth but faces significant challenges that may impact its performance.
View details
F
Fertilisers And Chemicals Travancore Ltd
Fertilisers And Chemicals Travancore Ltd shows potential but faces several challenges that could impact its growth and stability.
View details
M
Motilal Oswal Financial Services Ltd
Motilal Oswal Financial Services Ltd shows potential for growth, but faces challenges in profitability and market competition.
View details
B
Berger Paints India Ltd
Berger Paints India Ltd shows decent potential with a strong brand and growth prospects, but faces challenges in valuation and market sentiment.
View details
T
Tube Investments of India Ltd
Tube Investments of India Ltd shows decent potential with consistent growth and profitability metrics, but faces some risks in execution and valuation relative to peers.
View details
M
MRF Ltd
MRF Ltd shows decent fundamentals and growth potential, but faces challenges in profitability and valuation metrics.
View details
S
Schaeffler India Ltd
Schaeffler India Ltd shows a decent investment opportunity with solid growth potential, but investors should be cautious of profitability inconsistencies and valuation concerns.
View details
J
Jindal Stainless Ltd
Jindal Stainless Ltd shows potential in a growing sector, but faces challenges in profitability and valuation metrics.
View details
G
Godrej Properties Ltd
Godrej Properties Ltd shows potential for growth in a competitive sector, but faces challenges in valuation and execution risks.
View details
G
Glenmark Pharmaceuticals Ltd
Glenmark Pharmaceuticals presents several risks with inconsistent growth and profitability metrics, alongside governance concerns. Caution is advised for potential investors.
View details
C
Coforge Ltd
Coforge Ltd presents a decent investment opportunity with solid growth prospects, though valuation and liquidity concerns should be monitored.
View details
L
L&T Finance Ltd
L&T Finance Ltd shows potential in a growing sector, but faces challenges in growth consistency and market sentiment.
View details
B
Bharat Forge Ltd
Bharat Forge Ltd shows potential for growth and profitability, but investors should be cautious of valuation and execution risks.
View details
O
Oberoi Realty Ltd
Oberoi Realty Ltd shows potential for growth with a solid business model, but valuation concerns and execution risks warrant caution.
View details
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
-
10BusinessHighThe financial services sector is evolving with digital transformation, but HDB's competitive moat is moderate.
-
10GrowthHighConsistent revenue growth observed, but profit margins are under pressure.
-
10ProfitabilityHighROE and ROCE are decent, but cash flow is inconsistent compared to net profit.
-
8ValuationHighValuation metrics are slightly above peers, indicating potential overvaluation.
-
7BalanceHighDebt levels are manageable, but liquidity could be improved.
-
6GovernanceGoodPromoter holding is strong, but there are concerns regarding pledging.
-
5DriversGoodGrowth drivers are present, but execution risks remain significant.
-
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