Established in 2007, HDB Financial Services (HDBFS) is a leading Non-Banking Financial Company (NBFC) serving both individual and business clients across India. With a strong financial foundation, they offer a diverse range of loan options, including secured and unsecured loans. Their extensive network entails over 1680 branches spread across 27 states and 4 Union Territories, making their services accessible to a wide audience. The company has a clear vision and mission for itself which it aims to achieve while uploading the core company values of Integrity, Collaboration, Agility, Respect, Excellence & Simplicity.
Strong Credit Rating: HDB Financial has a 'CRISIL AAA/Stable’ credit rating, indicating the company’s high stability.
| Balance Sheet | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 |
|---|---|---|---|---|---|---|---|
| Equity Capital | 795.80 | 793.1 | 791.4 | 790.4 | 789.2 | 787.6 | 785.7 |
| Reserves | 15,023.90 | 12,949.6 | 10,645.6 | 8,749.3 | 7,657.1 | 7,230.2 | 6,392.8 |
| Total Equity | 15,819.70 | 13,742.7 | 11,437.0 | 9,539.7 | 8,446.2 | 8,017.8 | 7,178.5 |
| Borrowings | 0 | 40,504.1 | 30,637.5 | 29,471.4 | 27,832.4 | 26,223.6 | 0 |
| Other Non-Current Liabilities | 1,047.00 | 511.2 | 308.9 | 242.7 | 294.3 | 201.6 | 1,238.0 |
| Total NC Liabilities | 1,047.00 | 41,015.2 | 30,946.4 | 29,714.1 | 28,126.7 | 26,425.2 | 1,238.0 |
| Borrowings | 41,928.80 | 33,831.4 | 24,227.8 | 19,501.7 | 22,569.1 | 23,580.2 | 18,095.7 |
| Other Current Liabilities | 49,867.80 | 3,967.2 | 3,439.2 | 3,270.4 | 3,499.0 | 2,691.3 | 30,028.2 |
| Total Current Liabilities | 91,796.60 | 37,798.6 | 27,667.0 | 22,772.1 | 26,068.1 | 26,271.5 | 48,123.9 |
| Equity + Liabilities | 108,663.3 | 92,556.5 | 70,050.4 | 62,025.9 | 62,641.1 | 60,714.4 | 56,540.3 |
| Fixed Assets (incl. WIP) | 275.40 | 511.2 | 387.1 | 292.6 | 316.9 | 386.0 | 123.0 |
| Other Non Current Assets | 1,619.60 | 90,197.7 | 68,626.9 | 60,460.5 | 60,981.2 | 59,384.7 | 421.7 |
| Total NC Assets | 1,895.00 | 90,708.9 | 69,014.0 | 60,753.1 | 61,298.1 | 59,770.7 | 544.7 |
| Trade Receivables | 225.20 | 124.6 | 65.8 | 141.8 | 117.3 | 181.2 | 119.5 |
| Cash & Cash Equivalents | 984.30 | 647.9 | 653.8 | 684.0 | 976.4 | 644.5 | 334.7 |
| Other Current Assets | 105,558.80 | 1,075.2 | 316.8 | 447.0 | 249.2 | 118.1 | 55,541.4 |
| Total Current Assets | 106,768.30 | 1,847.7 | 1,036.4 | 1,272.8 | 1,342.9 | 943.8 | 55,995.6 |
| Total Assets | 108,663.3 | 92,556.5 | 70,050.4 | 62,025.9 | 62,641.1 | 60,714.5 | 56,540.4 |
| Profit & Loss | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 |
|---|---|---|---|---|---|---|---|
| Revenue from Operations | 16,300.30 | 14,171.12 | 12,402.88 | 11,306.29 | 10,944.78 | 10,756.47 | 8,724.81 |
| Growth % | 15.02% | 14.26% | 9.70% | 3.30% | 1.75% | 23.29% | 0 |
| Operating Expenses | 6,787.90 | 5,857.10 | 6,151.72 | 6,534.29 | 6,453.35 | 5,100.91 | 3,605.50 |
| Growth % | 15.89% | -4.79% | -5.85% | 1.25% | 26.51% | 41.48% | 0 |
| Operating Profit | 9,512.40 | 8,314.02 | 6,251.16 | 4,772.00 | 4,491.43 | 5,655.56 | 5,119.31 |
| Op. Profit Margin % | 58.36% | 58.67% | 50.40% | 42.21% | 41.04% | 52.58% | 58.68% |
| Finance Costs | 6,390.20 | 4,864.32 | 3,511.92 | 3,325.50 | 3,882.93 | 4,081.42 | 3,333.33 |
| Depreciation | 194 | 145.14 | 111.84 | 98.94 | 107.79 | 109.66 | 61.92 |
| Profit Before Tax | 2,927.80 | 3,304.56 | 2,627.40 | 1,347.56 | 500.71 | 1,464.48 | 1,724.06 |
| Tax | 751.90 | 843.83 | 668.05 | 336.16 | 109.24 | 459.63 | 570.82 |
| Tax % | 25.68% | 25.54% | 25.43% | 24.95% | 21.82% | 31.39% | 33.11% |
| Profit After Tax | 2,175.90 | 2,460.7 | 1,959.4 | 1,011.4 | 391.5 | 1,004.9 | 1,153.2 |
| Growth % | -11.58% | 25.59% | 93.73% | 158.36% | -61.04% | -12.87% | 0 |
| PAT % | 13.35% | 17.36% | 15.80% | 8.95% | 3.58% | 9.34% | 13.22% |
| Diluted EPS | 27.32 | 31.04 | 24.78 | 12.81 | 4.97 | 12.78 | 14.71 |
| Color | Shareholder | Holding |
|---|---|---|
| HDFC Bank Limited | 94.32 | |
| Others | 5.68 |
