HDB Financial Services

HDB Financial Services Gross Margin

The Gross Margin of HDB Financial Services (HDBFS.NS) as of Nov 1, 2026 is 62.57 %. In the previous year, Gross Margin was 62.32 % — a change of 0.41% (higher).

Gross Margin

62.57 %

YoY

0.41%

Last updated:

Gross Margin of HDB Financial Services is 2026 62.57 % . Gross Margin of HDB Financial Services was 2025 62.32 % . It decreases by 0.41% higher compared to the previous year.

For HDB Financial Services, the gross margin of 77.7% is up versus 70.4% a few years ago.

The HDB Financial Services Gross Margin history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

Gross Margin
Date
Gross Margin
Jan 1, 2023
58.29 INR
Jan 1, 2024
60.62 INR
Jan 1, 2025
62.32 INR
Jan 1, 2026
62.57 INR
The HDB Financial Services Gross Margin history
YEARGross MarginYoY
62.57 %+0.41%
62.32 %+2.79%
60.62 %+4.00%
58.29 %—

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HDB Financial Services Stock analysis

What does HDB Financial Services do? HDB Financial Services Ltd. generates revenue through its diverse portfolio of loan products and insurance services. The company offers Enterprise Lending products including business loans, loan against property (LAP), enterprise business loan (EBL), salaried personal loans (SPL), and gold loans. Asset Finance provides commercial vehicle loans, construction equipment loans, and tractor loans. Consumer Finance includes Relationship Personal Loans and Auto Loans. The firm also provides business process outsourcing (BPO) services like back-office support, collection, and sales support to its promoter, alongside fee-based insurance product distribution primarily to its lending customers. HDB Financial Services targets a broad customer base across its three business verticals. Enterprise Lending serves businesses and salaried individuals seeking personal loans, while Asset Finance caters to commercial vehicle and equipment financing needs. Consumer Finance focuses on relationship-based personal loans and auto financing for individual customers. Insurance products are distributed as fee-based services to existing lending customers, enhancing cross-selling opportunities. The company's revenue streams are derived from interest on loans across all segments, fees from BPO services, and commissions from insurance product distribution. Enterprise Lending customers include businesses and salaried individuals, Asset Finance clients are commercial vehicle and equipment users, and Consumer Finance serves individual borrowers. Insurance distribution targets the company's established lending customer base, creating a synergistic revenue model. HDB Financial Services is one of the most popular companies on Eulerpool.

Frequently Asked Questions about HDB Financial Services stock

Gross Margin of HDB Financial Services is 62.57 % in 2026.

Gross Margin of HDB Financial Services changed from 62.32 % to 62.57 %, representing a 0.41% change. The value is higher than the previous year.

On Eulerpool you can find the complete historical development of Gross Margin HDB Financial Services since 2006 – with annual values, charts, and detailed analysis.

Gross Margin measures the percentage of revenue remaining after COGS. Higher gross margins indicate more efficient production and stronger pricing power.

A 'good' varies by industry and company stage. On Eulerpool, you can compare Gross Margin's HDB Financial Services with sector peers and the industry average to assess whether it is attractive.

To evaluate Gross Margin's, it is essential to compare it with peers in the same industry and sector. On Eulerpool, you can find direct industry comparisons for Gross Margin.

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Margins — HDB Financial Services

Gross MarginEBIT MarginEBITDA MarginNet MarginFCF MarginR&D / RevenueTax RatePayout RatioPre-Tax MarginOCF MarginSGA/RevenueOpEx/RevenueReinvestment Rate

All Key Metrics — HDB Financial Services