₹682.35
-1.74% today
· 30d +1.09%
as of 2026-09-04
Price · Daily Candles
“HDBFS grapples with negative FCF, yet DIIs boost stake as Q4 profits dip.”
HDBFS recorded an annual revenue growth of 15.01% YoY to ₹16300 Cr in FY25, while net profit declined 11.58% to ₹2176 Cr. The company is currently free-cash-flow negative, with a FCF yield of -24.57%, yet ML sales growth predictions are strong at 0.895 for recent 2-year and 0.872 for rolling 4-year periods. DIIs increased their stake by 0.87% QoQ.
BULL CASE
+HDBFS demonstrated a 3-year revenue CAGR of 12.97% and a 3-year net profit CAGR of 29.09% as of March 2025.
+The trailing twelve months PE Ratio (22.02) is lower than the forward PE Ratio (14.25), indicating potential future earnings growth.
+ML sales growth predictions are strong, with a rank of 0.895 for recent 2-year sales and 0.872 for rolling 4-year sales, suggesting continued top-line expansion.
+DIIs increased their shareholding by 0.87% QoQ, holding 12.28% as of March 2026.
BEAR CASE
−The company's net profit decreased by 11.58% YoY to ₹2176 Cr in FY25, despite a 15.01% increase in revenue.
−HDBFS is currently free-cash-flow negative, with a FCF yield of -24.57%, preventing calculation of intrinsic value.
−The stock is trading 23.88% off its 52-week high of ₹891.9, with a neutral MACD and weak RSI (14) signal of 55.0.
−HDBFS has a high Debt-to-Equity ratio of 7.02, indicating significant financial leverage.
⟳ What Changed
₹ Latest Earnings · Q ending 2026-06-30
REVENUE
₹4938 Cr
+10.58% YoY
NET PROFIT
₹785 Cr
+38.29% YoY
OPM
57.98%
+1.47pp YoY
EPS
₹9.46
PE 22.02
Intrinsic value · DCF: N/A — Company is currently free-cash-flow negative (-24.4% of mktcap). DCF assumes a going concern generating positive cash flow; a meaningful intrinsic value can only be computed once FCF turns positive. Use the Strategy Fit and ML sections instead.
◇ Sector Position
HDBFS trades at a P/E of 22.02, falling below peers like BAJFINANCE (30.41) and MUTHOOTFIN (25.08), but its ROCE of 17.48% (ROE) is not directly comparable to the sector's ROCE.
PEERPEROCE %
HDBFS22.02—
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ML Forward Growth Predictions 🔒
56
SCORE / 100
Overall
6-axis composite of the sections below.
Performance
NEUTRAL
40
Valuation
REASONABLE
60
Growth
STEADY
52
Profitability
HIGH
90
Technicals
NEUTRAL
62
Risk
ELEVATED
30
Key Stats
TTM PE
22.02
P/B
2.73
52W HIGH
₹811.8
OFF HIGH
-15.95%
DIV YIELD
0.6%
MKT CAP
₹56594 Cr
◉ Active Signals
MACDNeutral0.6778
RSI(14)Neutral46.97
Street Consensus
14 analysts₹765.57
mean target
Low ₹625.0Now ₹682.35High ₹900.0
⧉ Strategy Fit 🔒