HDB FINANCIAL SERVICES L
Financial trend (84/100) does the heavy lifting; valuation (27/100) is the drag.
Fair valueOvervaluedHDB FINANCIAL SERVICES L earns a Hold from StocksWizard, with a blended score of 45/100. At ₹686.35 it trades above our blended DCF and relative-multiples fair value of ₹493.86, about 28% downside to that estimate — we read it as overvalued by 28%. On 20.7x trailing earnings it sits cheaper than the Financial Services median of about 24.3x. The price is about 14% below its 52-week high of ₹795.63 and 23% above the low of ₹558.36. Financial health scores 100/100, with a Piotroski F-score of 4/9. The average analyst target of ₹822.8 implies about 20% upside across 15 analysts. It clears 3 of 10 investability checks, with durability 67, valuation 51 and momentum 34 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹395.08.
Analyst views
1-year price
EOD · 2026-07-3152-week range
-13.73% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Hold45Piotroski F-score 4/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- No data: ROE above 15%
- Fail: Low debt (D/E < 0.5): 4.84x
- Fail: Positive free cash flow
- Pass: Revenue growth > 10%: 21%
- Pass: Earnings growing: 33%
- Pass: Net margin ≥ 10%: 29.8%
- No data: Current ratio > 1.5
- Fail: Below our fair value
- Fail: Margin of safety ≥ 20%
- Fail: Above 200-day average
- Fail: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 4/9
Quarterly results
Annual financials
Shareholding
- Promoter74.5%
- Institutions12.8%
- Public & other12.8%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (29.8%).
Opportunities
- Earnings growing (33% YoY).
- Revenue growing (21% YoY).
Bear case
Weaknesses
- High debt relative to equity.
- Price below its 200-day moving average (downtrend).
Threats
- Trades ~28% above our estimated fair value.
About HDB FINANCIAL SERVICES L
HDB Financial Services Limited, a non-banking financial company in India, offers a range of lending products including personal loans, auto loans, two-wheeler loans, gold loans, loans against property, business loans, micro lending loans, and commercial vehicle loans. The company also provides business process outsourcing services alongside its lending operations.
HDB FINANCIAL SERVICES L — frequently asked questions
Is HDB FINANCIAL SERVICES L a buy, hold or sell?
StocksWizard currently rates HDB FINANCIAL SERVICES L (HDBFS) a Hold, based on a blended score of 45/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is HDB FINANCIAL SERVICES L's fair value?
Our blended DCF and relative-valuation model estimates HDB FINANCIAL SERVICES L's fair value at about ₹493.86, versus a current price of ₹686.35 — roughly 28% downside. On that basis the stock looks overvalued by 28%.
Is HDB FINANCIAL SERVICES L financially healthy?
HDB FINANCIAL SERVICES L scores 100/100 on our financial-health model, with a Piotroski F-score of 4/9.
How has HDB FINANCIAL SERVICES L's share price performed?
HDB FINANCIAL SERVICES L is up 3% over three months, and last traded at ₹686.35. Past performance doesn't predict future returns.
More in Financial Services
View allOur 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.