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RATING

RECOMMENDATION

Strong Sell

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RATING

RECOMMENDATION

Strong Sell

Business Type

Traditional Business

  • HDB Financial Services Growth

Company had tied up with Maruti Suzuki for car loans for both new and used cars and given that road transport sector is likely to see a quick recovery post pandemic this tie-up can yield great revenue for the company. 

HDB Financial Services Revenue Growth

Growth in %

  • 1.75%

    1 Year

  • 15.92%

    3 Year

  • 17.64%

    4 Year

The significant increase in total income in FY21 is due to the significant profits made by bank on the interest from loans and sale of services through its BPO services.

HDB Financial Services Net Profit Growth(PAT)

Growth in %

  • -61.04%

    1 Year

  • -25.14%

    3 Year

  • -13.03%

    4 Year

HDB Financial Services EPS Growth

Growth in %

  • -61.11%

    1 Year

  • -25.33%

    3 Year

  • -15.26%

    4 Year

The slight decline in earnings per share is noticed in FY20. This is primarily because company has issued 18,79,350 equity shares in FY20.

  • HDB Financial Services Book Value Growth

Growth in %

  • 11.43%

    1 Year

  • 14.87%

    2 Year

There is gradual increase in book value of the company because company have increase retained earnings from the FY19 profit and company have issued 18,79,350 new shares.

HDB Financial Services EBITDA Growth

Growth in %

  • -20.58%

    1 Year

  • 4.55%

    3 Year

  • 9.30%

    4 Year

HDB Financial Services Operating Profit Growth

Growth in %

  • -20.96%

    1 Year

  • 4.11%

    3 Year

  • 8.97%

    4 Year

HDB Financial Services Asset Growth

Growth in %

  • 8.99%

    1 Year

  • 15.58%

    2 Year

  • 19.91%

    3 Year

HDB Financial Services Cash Flow from Operations

Growth in %

  • NA

    1 Year

  • NA

    2 Year

  • NA

    3 Year

HDB Financial Services D/E Ratio

HDB Financial Services Current Ratio

HDB Financial Services Quick Ratio

HDB Financial Services Interest Coverage Ratio

  • HDB Financial Services Operating Efficiency

HDB Financial Services Operating Profit EBIT Margin(OPM)

Despite increase in expenses like impairment on financial instruments, depreciation, finance costs as compared to prior year, the company has managed to maintain the healthy operating performance

HDB Financial Services Profit Before Tax Margin (PBT Margin)

HDB Financial Services Profit After Tax Margin (PAT Margin)

Significant decline in net profit margin in FY20 is primarily due to the increase in provision of loans due to the effects of COVID-19.

  • HDB Financial Services Profitablity Ratio

HDB Financial Services Return on Equity(RoE)

There is decline in profitability of the company because net income of the company has decreased, resulting from an increase in provisions for loans in FY20 due to impact of Covid-19 and because of  short and long term microeconomic effect on business in country and Impact of the pandemic on the company’s customer and their ability to repay dues.

HDB Financial Services Return on Capital Employed(RoCE)

HDB Financial Services Return to Assets (RoA)

  • HDB Financial Services Sector Specific Ratios


HDB Financial Services Net NPA

HDB Financial Services Capital Adequacy Ratio

HDB Financial Services Gross NPA

HDB Financial Services Net Interest Margin

HDB Financial Services Return on risk weighted assets