HDB Financial Services Ltd.
HDBFS · NSE · Financial Services
With a 20% margin of safety, our buy-below price is ₹555.62.
Piotroski F-score 4/9 — quality of earnings & balance sheet.
Investability checklist
- ✕ROE above 15%13.9%
- ✕Low debt (D/E < 0.5)4.80x
- ✕Positive free cash flow
- ✓Revenue growth > 10%18%
- ✓Earnings growing36%
- ✓Net margin ≥ 10%28.9%
- ✓Current ratio > 1.5326.83
- ✕Below our fair value
- ✕Margin of safety ≥ 20%
- ✕Above 200-day average
- ✓Above 50-day average
- –Positive 1-year return
- –Altman Z in safe zone
- ✕Piotroski ≥ 74/9
1-year price
EOD · 2026-06-15Our scores
Key fundamentals
SWOT snapshot
Strengths
- •Healthy profit margin (28.9%).
Weaknesses
- •High debt relative to equity.
- •Price below its 200-day moving average (downtrend).
Opportunities
- •Earnings growing (36% YoY).
- •Revenue growing (18% YoY).
- •Trading in our value buy zone versus sector peers.
About HDB Financial Services Ltd.
HDB Financial Services Limited operates as a non-banking financial company that provides lending and business process outsourcing services in India. The company offers personal loans, salaried personal loans, business loans, micro lending loans, auto loans, two-wheeler loans, gold loans, loans against property, enterprise business loans, consumer durable loans, commercial vehicle loans, construction equipment loans, car loans, digital and lifestyle product loans, digital lend
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Our verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.