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RATING

RECOMMENDATION

Strong Sell

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RATING

RECOMMENDATION

Strong Sell

Business Type

Traditional Business

  • HDB Financial Services Unlisted Shares Essentials

Discover and get complete analysis on HDB Financial Services Limited Pre IPO unlisted shares - Management, Business Model, Financials, Growth, Valuations, Funding Rounds, News and latest updates.

ISIN

INE756I01012

Face Value

₹10.00

Total Share

78,63,00,000

Total Income

₹10,944.78 Cr

Profile After Tax

₹391.47 Cr

Promoter Holding

₹95.30 %

EPS

₹4.97

Book Value

₹101.80 Cr

Intrinsic Value

₹536.59

Sector

Financials

Sub-sector

Home Financing

Category

Upcoming IPO

Cashflow - Operations

-₹3,031.88 Cr

Cashflow - Financing

₹4,257.00 Cr

HDB Financial Services Growth

Compounded Sales Growth

  • 1.75%

    1 Year

  • 15.92%

    3 Year

  • 17.64%

    4 Year

Pro Only

Compounded Profit Growth

  • -61.04%

    1 Year

  • -25.14%

    3 Year

  • -13.03%

    4 Year

Pro Only

Return On Equity

  • 9.77%

    1 Year

  • 17.45%

    3 Year

  • 16.59%

    4 Year

Pro Only

About HDB Financial Services

Overview

  • HDB Financial Services (HDBFS) is a leading Non-Banking Financial Company that caters to the growing needs of an aspirational India, serving both Individual and Business Clients.
  • Incorporated in 2007, they are a well-established business with strong capitalization. HDBFSL is a non-deposit taking non-bank finance company (‘NBFC’) offering wide range of loans and asset finance products to individuals, emerging businesses and micro enterprises.
  • HDBFS is accredited with CARE AAA & CRISIL AAA ratings for its long-term debt & Bank facilities and an A1+ rating for its short-term debt & commercial papers, making it a strong and reliable financial institution.
  • It is a subsidiary company of HDFC Bank.

 

Key client base

  • The key cliental of the Banks are serving retail, small and medium commercial clients.

Key facts

  • HDBFS is a subsidiary of HDFC bank, and HDFC owns 95.3% of shares in HDBFS.
  • HDBFS have 1500 Branches spread across 24 States & 3 Union Territories.

  • HDB Financial Services Merger & Acquisition

Merger

N/A

Acquisition

N/A

  • HDB Financial Services Revenue Segmentation

  • Lending Services
  • BPO
  • HDB Financial Services Product & Services

  • Lending Services: Company offers a wide range of secured and unsecured loans to its customers. The HDBFC also provides a one-stop-shop for all requirements such loans, investments and protection.
  • BPO Services: The BPO services division delivers back office services such as forms processing, documents verification, finance and accounting services and correspondence management. It also deliver front office services such as  Contact center management, Outbound marketing and collection services.
  • HDB Financial Services Industry Overview

Industry Statistics

Introduction

  • Non-bank lenders have grown significantly in the last decade driven by regulatory reforms and critical evaluation of their business models.
  • Non-bank lenders have financed over 10 Cr. customers till date deriving strength from their extensive footprint which is largely located in rural and semi-urban areas.
  • The overall credit deployed by non-bank lenders is over INR 36 lakh Cr. (as on Sept-2019) and contribute to approx. 25% of the domestic credit in the system.
  • While NBFCs managed to grow at an impressive annualized rate of 19% over the last 10 years, this growth has been volatile given the cyclical slowdown in key product segments such as vehicle finance and wholesale loans.
  • Defaults by a large NBFC and a HFC in 2018 - 19 continued to cast its shadow on the NBFC sector through the year. The NBFCs witnessed stress in their asset quality during the first half year of 2019-20.

Market size

  • The asset size of NBFC sector (including HFCs), as on March 31, 2020, is Rs.51 lakh Cr.
  • Between March 31, 2009 and March 31, 2019, the total assets of NBFCs grew at a compounded annual growth rate (CAGR) of 18.6 per cent.


HDB Financial Services Strengths

  • Company have vast distribution network, especially in rural areas and small towns.
  • During the financial year 2019-2020, total income of the company is INR 10,756 Cr. as against INR 8,725 Cr. in the previous year recording a growth of 23.3%.
  • The Assets under Management (AUM) of the Company as of March 31, 2020, increased to INR 58,833 Cr. from INR 55,425Cr. in the previous year.
  • For the last two year company’s revenue has been increasing with CAGR of 23.7%.
  • EBITDA for FY20 stood at INR 5,656 Cr against INR 5,119 Cr in FY19, an increase of 10.5%.

HDB Financial Services Shortcomings

  • Regulatory restrictions – continuously evolving government regulations may impact operations.
  • Company’s borrowings have increased, in comparison to FY19, primarily due to its expansion plans.

HDB Financial Services Opportunities

  • There is large untapped rural and urban market which can’t get financial services from traditional banks so HDBFS can increase its penetration in those markets.
  • Company can use digital solutions for business/collections this will improve efficiency and reduce cost of operations.
  • There is a high potential in in commercial vehicles, passenger vehicles and tractors market.

HDB Financial Services Threats

  • Restrictions on deposit-taking NBFCs due to Government policies.
  • There is increase in competition from other NBFCs and banks.
HDB Financial Services Rating

  • RECOMMENDATION

    Strong Sell

  • HDB Financial Services Detail Info

Industry Statistics

PRIVATE LIMITED

Registered In

India

last Updated

22/05/2021

Registered Date

04/06/2007

Stock Exchange Ticker

HDB

Reg Office: HDB Financials Services Limited, Ground Floor, Zenith House, Keshavrao Khadye Marg, Mahalaxmi, Mumbai- 400034

Website: https://www.hdbfs.com/