HDBFS · Financial Services
No check fired. That is a statement about the checks below, not a verdict on the company.
Could not run on this quarter: Exceptional items that recur, Auditor's review or audit report, IPO money used as stated, Related-party transactions, Exits, postponements, restatements, Promoter pledges and allotments, Earlier promises against delivery, When the results were filed, Asset quality (lenders), Net interest margin (lenders). Most need the filing read (balance sheet, cash flow, auditor, disclosures).
Net profit a year ago, each driver's change, and net profit now. Blue added profit, red took it away.
This quarter's filing carries a balance sheet and a cash flow statement. The cash, receivables and borrowing checks run once the filing read is in.
Lenders are read on NIM, asset quality, provision cover and credit cost. Those come from the filing read, which is not in yet for this quarter, so margin, other-income and cash checks are withheld rather than shown on a template built for manufacturers.
| Q4 FY24 | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 | Q2 FY27 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Total income | ₹3,667 cr | ₹3,884 cr | ₹4,007 cr | ₹4,144 cr | ₹4,266 cr | ₹4,465 cr | ₹4,545 cr | ₹4,674 cr | ₹4,745 cr | ₹4,938 cr | ₹5,005 cr |
| YoY | — | — | — | — | +16% | +15% | +13% | +13% | +11% | +11% | +10% |
| Exceptional items | — | — | — | — | — | — | — | — | — | — | — |
| Tax rate | 26% | 26% | 26% | 26% | 25% | 22% | 26% | 25% | 26% | 26% | 25% |
| Net profit | ₹656 cr | ₹582 cr | ₹591 cr | ₹472 cr | ₹531 cr | ₹568 cr | ₹581 cr | ₹644 cr | ₹751 cr | ₹785 cr | ₹780 cr |
| YoY | — | — | — | — | −19% | −2% | −2% | +36% | +41% | +38% | +34% |
| EPS | ₹8.27 | ₹7.33 | ₹7.44 | ₹5.95 | ₹6.67 | ₹6.84 | ₹7.01 | ₹7.76 | ₹9.04 | ₹9.46 | ₹9.39 |
| Flags | · | · | · | · | 1 | 1 | ✓ | ✓ | ✓ | ✓ | ✓ |
Each quarter is read with the same rules. Balance-sheet and cash checks run on half-year and annual quarters; filing-read checks run where a read exists.
HDB Financial Services Ltd. reported total income of ₹5,005 cr (+10.1% on the year) and net profit of ₹780 cr (+34.3% on the year) for July to September 2026.
None of the 2 checks that could run raised a question.
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Numbers as filed with the exchanges, read by rules. Every flag is a question with its source, not an accusation. FinMinutes is a financial data and analytics platform; nothing here is a recommendation to buy, sell or hold any security. How each check works.