HDB Financial Services

HDB Financial Services ROE

The Return on Equity (ROE) of HDB Financial Services (HDBFS.NS) as of Nov 7, 2026 is 12.31 %. In the previous year, Return on Equity (ROE) was 13.75 % — a change of -10.50% (lower).

ROE

12.31 %

YoY

-10.50%

Last updated:

In 2026, HDB Financial Services's return on equity (ROE) was 12.31 %, a -10.50% increase from the 13.75 % ROE in the previous year.

The HDB Financial Services ROE history

  • 3 Years

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  • Max

ROE
Date
ROE
Jan 1, 2023
17.13 INR
Jan 1, 2024
17.91 INR
Jan 1, 2025
13.75 INR
Jan 1, 2026
12.31 INR
The HDB Financial Services ROE history
YEARROEYoY
12.31 %-10.50%
13.75 %-23.19%
17.91 %+4.52%
17.13 %—

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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.

ROE Details

Decoding HDB Financial Services's Return on Equity (ROE)

HDB Financial Services's Return on Equity (ROE) is a fundamental metric evaluating the company's profitability relative to its equity. Calculated by dividing net income by shareholder's equity, ROE illustrates how effectively the company is generating profits from shareholders’ investments. A higher ROE represents enhanced efficiency and profitability.

Year-to-Year Comparison

Analyzing HDB Financial Services's ROE on a yearly basis aids in tracking its profitability trends and financial performance. An increasing ROE suggests enhanced profitability and value generation for shareholders, whereas a declining ROE may indicate issues in profit generation or equity management.

Impact on Investments

HDB Financial Services's ROE is instrumental for investors assessing the company's profitability, efficiency, and investment attractiveness. A robust ROE indicates the firm’s adeptness at converting equity investments into profits, thereby enhancing its appeal to potential and current investors.

Interpreting ROE Fluctuations

Changes in HDB Financial Services’s ROE can emanate from variations in net income, equity capital, or both. These fluctuations are scrutinized to evaluate management’s effectiveness, financial strategies, and the inherent risks and opportunities, aiding investors in making informed decisions.

Frequently Asked Questions about HDB Financial Services stock

Return on Equity (ROE) of HDB Financial Services is 12.31 % in 2026.

Return on Equity (ROE) of HDB Financial Services changed from 13.75 % to 12.31 %, representing a -10.50% change. The value is lower than the previous year.

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

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

To evaluate Return on Equity (ROE)'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 Equity (ROE).

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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