HDB Financial Services

HDB Financial Services ROA

The Return on Assets (ROA) of HDB Financial Services (HDBFS.NS) as of Nov 7, 2026 is 2.06 %. In the previous year, Return on Assets (ROA) was 2.00 % — a change of 2.74% (higher).

ROA

2.06 %

YoY

2.74%

Last updated:

In 2026, HDB Financial Services's return on assets (ROA) was 2.06 %, a 2.74% increase from the 2.00 % ROA in the previous year.

The HDB Financial Services ROA history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

ROA
Date
ROA
Jan 1, 2023
2.80 INR
Jan 1, 2024
2.66 INR
Jan 1, 2025
2.00 INR
Jan 1, 2026
2.06 INR
The HDB Financial Services ROA history
YEARROAYoY
2.06 %+2.74%
2.00 %-24.68%
2.66 %-4.95%
2.80 %—

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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.

ROA Details

Understanding HDB Financial Services's Return on Assets (ROA)

HDB Financial Services's Return on Assets (ROA) is a key performance indicator that measures the company's profitability in relation to its total assets. It is calculated by dividing the net income by the total assets. A higher ROA indicates efficient asset utilization to generate profits, reflecting managerial effectiveness and financial health.

Year-to-Year Comparison

Comparing HDB Financial Services's ROA year-over-year provides insights into the company’s operational efficiency and asset utilization trends. An increasing ROA demonstrates enhanced asset efficiency and profitability, while a declining ROA can indicate operational or financial challenges.

Impact on Investments

Investors consider HDB Financial Services's ROA as a crucial metric to evaluate the company’s profitability and efficiency. A higher ROA signifies that the company is effectively utilizing its assets to generate profits, making it a potentially attractive investment.

Interpreting ROA Fluctuations

Variations in HDB Financial Services’s ROA can be attributed to changes in net income, asset purchases, or operational efficiencies. Analyzing these fluctuations assists in assessing the company's financial performance, management efficiency, and strategic financial positioning.

Frequently Asked Questions about HDB Financial Services stock

Return on Assets (ROA) of HDB Financial Services is 2.06 % in 2026.

Return on Assets (ROA) of HDB Financial Services changed from 2.00 % to 2.06 %, representing a 2.74% change. The value is higher than the previous year.

On Eulerpool you can find the complete historical development of Return on Assets (ROA) HDB Financial Services since 2006 – with annual values, charts, and detailed analysis.

Return on Assets, also known as ROA, is a financial metric used to measure a company's profitability. It is used to determine how effectively a company uses its assets to generate profits. It is also referred to as the ratio of net income to total assets. ROA is an important indicator of a company's overall financial performance as it measures the company's ability to generate more profit from the assets it employs.

A 'good' varies by industry and company stage. On Eulerpool, you can compare Return on Assets (ROA)'s HDB Financial Services with sector peers and the industry average to assess whether it is attractive.

To evaluate Return on Assets (ROA)'s, it is essential to compare it with peers in the same industry and sector. On Eulerpool, you can find direct industry comparisons for Return on Assets (ROA).

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Profitability — HDB Financial Services

ROEROAROCEROICAsset TurnoverInventory TurnoverReceivables TurnoverDays Sales OutstandingDays Inventory OutstandingDays Payable OutstandingCash Conversion CycleCROICGross Profit/AssetsFixed Asset TurnoverEquity TurnoverWorking Capital TurnoverPayables TurnoverCapital IntensityReceivables/RevenueInventory/RevenueEBIT/Assets

All Key Metrics — HDB Financial Services