HDB Financial Services

HDB Financial Services P/CF

The P/CF (Price-to-Cash-Flow Ratio) of HDB Financial Services (HDBFS.NS) as of Nov 9, 2026 is -6.87. In the previous year, P/CF (Price-to-Cash-Flow Ratio) was -4.34 — a change of 58.34% (lower).

P/CF

-6.87

YoY

58.34%

Last updated:

P/CF (Price-to-Cash-Flow Ratio) of HDB Financial Services is 2026 -6.87 . P/CF (Price-to-Cash-Flow Ratio) of HDB Financial Services was 2025 -4.34 . It decreases by 58.34% lower compared to the previous year.

The HDB Financial Services P/CF history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

P/CF
Date
P/CF
Jan 1, 2023
-8.63 INR
Jan 1, 2024
-3.53 INR
Jan 1, 2025
-4.34 INR
Jan 1, 2026
-6.87 INR
The HDB Financial Services P/CF history
YEARP/CFYoY
-6.87+58.34%
-4.34+22.82%
-3.53-59.07%
-8.63—

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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

P/CF (Price-to-Cash-Flow Ratio) of HDB Financial Services is -6.87 in 2026.

P/CF (Price-to-Cash-Flow Ratio) of HDB Financial Services changed from -4.34 to -6.87, representing a 58.34% change. The value is lower than the previous year.

On Eulerpool you can find the complete historical development of P/CF (Price-to-Cash-Flow Ratio) HDB Financial Services since 2006 – with annual values, charts, and detailed analysis.

The Price-to-Cash-Flow ratio measures the stock price relative to operating cash flow per share. Unlike P/E, it is harder to manipulate as cash flow is less subject to accounting adjustments.

P/CF = Stock Price / Operating Cash Flow per Share

To evaluate P/CF (Price-to-Cash-Flow Ratio)'s, it is essential to compare it with peers in the same industry and sector. On Eulerpool, you can find direct industry comparisons for P/CF (Price-to-Cash-Flow Ratio).

A 'good' varies by industry and company stage. On Eulerpool, you can compare P/CF (Price-to-Cash-Flow Ratio)'s HDB Financial Services with sector peers and the industry average to assess whether it is attractive.

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Valuation — HDB Financial Services

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