💡 Did you know?
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
History
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
HDB Financial Services Limited is an India-based diversified retail-focused non-banking financial company. The Company offers a portfolio of lending products that cater to a diverse customer base through an omni-channel distribution network. Its lending products are offered…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A high-quality, fast-growing business, trading cheap versus its own history — carrying meaningful debt.
HDB FINANCIAL SERVICES L is scored on the nbfc / financials framework. It keeps a healthy 13.3% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 13%/yr and profit at 29%/yr. Book value itself has compounded 18%/yr — the hallmark of a genuine compounder. Return on equity is a healthy 14.7%. In the latest quarter profit grew 12% versus the prior quarter.
At 20× earnings, the stock sits at the 6th percentile of its own 1.4-year range — the cheap end of where it has historically traded. Today's price implies ~5%/yr earnings growth for a decade. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 15.01 | — | — |
| P/B | 2.01 | 5.98 | better |
| EV/EBITDA | 13.13 | — | — |
| ROE | 14.72 | 11.36 | better |
| ROCE | 9.79 | 15.11 | worse |
| ROA | 2.11 | 7.76 | worse |
| Quick Ratio | 0.18 | — | — |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 13% CAGR over 3 years — steady double-digit compounder.
Profit is on a 2-year growth streak. Profit is growing faster than revenue (29% vs 13%) — margin expansion is at work.
Operating margin has expanded from 12% to 18% — the business is keeping more of each rupee earned.
ROE at 14% — a respectable return on shareholder capital.
EPS dropped in the latest year despite possible profit changes — dilution or a profit dip could be at play. Profit grew faster than EPS (29% vs 5%) — share dilution is eroding per-share value. 5% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
3 of 3 years had negative operating cash flow — profitability on paper may not translate to cash.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue broadly flat QoQ — stable but not accelerating. Low quarterly variance (9% spread) — a predictable, non-seasonal revenue stream.
Profit jumped 12% QoQ — check if this is operating leverage or a one-off item. Quarterly margins are compressing (15% → 12%) — more revenue isn't translating to proportionally more profit.
How today's P/E compares to the stock's own historical range. Dashed line = the 1.4y median.
Promoters hold 74.1% — heavily owner-operated with strong skin in the game.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.