HDB Financial Services Limited
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from HDB Financial Services Limited's yearly results (2023–2026), compared with Financial Services companies in India. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 2/3Sales grew in 3 of the last 3 years; profit grew in 2 of 3.
Steadier than 56% of Financial Services companies in India.
Growth Efficiency Ratio
₹10Sales grew 48% in 3 years; of every extra ₹100 of sales, ₹10 became extra profit.
Lower than 69% of Financial Services companies in India.
Asset Productivity Ratio
+48% / +77%In 3 years sales changed by +48% while total assets changed by +77%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
100%Of every ₹100 the company owns, ₹100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 59% of Financial Services companies in India.
Tangible Net Worth Ratio
100%Of every ₹100 of net worth, ₹100 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 51% of Financial Services companies in India.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
HDB Financial Services Limited owes ₹0.83 for every ₹1 it owns. Net profit rose 17% in the year to Mar 2026, and grew 9% a year on average over 3 years.
Compared with Financial Services companies in India · latest annual results Mar 2026.
P/E ratio
14.2Investors pay ₹14.2 for every ₹1 of HDB Financial Services Limited's yearly profit, lower than 53% of Financial Services companies in India.
P/B ratio
2.02The share price is 2.02 times HDB Financial Services Limited's book value per share, higher than 62% of Financial Services companies in India.
Market cap
₹41,825 CrThe total market value of all of HDB Financial Services Limited's shares at today's price (share price × number of shares), larger than 78% of Financial Services companies in India. PosiCap size class: Meso Cap.
Net worth (book value)
₹20,664 CrWhat HDB Financial Services Limited would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (31 Mar 2026).
Book value per share
₹249.43Net worth divided by the number of shares. The share price of ₹504.85 is 2.0 times this, which is the P/B above.
Return on equity (ROE)
14.3%HDB Financial Services Limited earned 14.3% on its shareholders' money over the last year, higher than 69% of Financial Services companies in India.
Owes vs Owns
0.83×HDB Financial Services Limited owes ₹0.83 for every ₹1 it owns (high), higher than 73% of Financial Services companies in India. Banks and lenders usually show higher figures.
Dividend yield
0.79%HDB Financial Services Limited pays 0.79% of its share price as dividends a year, lower than 56% of dividend-paying Financial Services companies in India.
Revenue growth
+13%Revenue rose 13% in the year to Mar 2026, and grew 14% a year on average over 3 years.
Profit growth
+17%Net profit rose 17% in the year to Mar 2026, and grew 9% a year on average over 3 years.
Profit margin
14.0%HDB Financial Services Limited keeps ₹14 of every ₹100 of revenue as net profit.
Questions
What is HDB Financial Services Limited's P/E ratio?
Investors pay ₹14.2 for every ₹1 of HDB Financial Services Limited's yearly profit, lower than 53% of Financial Services companies in India.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For HDB Financial Services Limited: ₹41,825 Cr ÷ ₹20,664 Cr (31 Mar 2026) = 2.0.
What is HDB Financial Services Limited's return on equity?
HDB Financial Services Limited earned 14.3% on its shareholders' money over the last year, higher than 69% of Financial Services companies in India.
How much does HDB Financial Services Limited owe compared with what it owns?
HDB Financial Services Limited owes ₹0.83 for every ₹1 it owns (high), higher than 73% of Financial Services companies in India. Banks and lenders usually show higher figures.
Does HDB Financial Services Limited pay a dividend?
Yes. HDB Financial Services Limited pays 0.79% of its share price as dividends a year, lower than 56% of dividend-paying Financial Services companies in India.
Is HDB Financial Services Limited's revenue growing?
Revenue rose 13% in the year to Mar 2026, and grew 14% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.