HDB Financial Services Limited Earnings Summary — Q1 FY2027
HDB Financial Services Reports Robust 38.3% Net Profit Growth in Q1 FY2027
Quarterly Business Intelligence
AI Quarterly Scorecard™
Computed deterministically from the last 10 reported quarters.
Quarterly Business Momentum
- Revenue has increased for 3 consecutive quarters.
- Revenue is at its highest level in 10 quarters.
- Operating margin stands at 56.5% in Q4 FY2025.
- PBT margin is 16.5%.
- Operating leverage has been under pressure recently.
- Overall quarterly business momentum scores 72/100 (Strong) on the latest 10 quarters.
- Business momentum remains positive heading into the next quarter.
Quarterly Financials
Last 10 Reported Quarters • All figures in ₹ Crore • Margins in %
| Metric | Trend | Latest Q4 FY2025 | Q3 FY2025 | Q4 FY2024 | Q2 FY2020 | Q1 FY2020 | Q4 FY2019 | Q3 FY2019 | Q2 FY2019 | Q1 FY2019 | Q4 FY2018 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | Improving | 4,266 | 4,144 | 3,667 | — | — | — | — | — | — | — |
| Expenses | Strong Uptrend | 1,858 | 1,809 | 1,368 | — | — | — | — | — | — | — |
| Operating Profit | Stable | 2,409 | 2,334 | 2,299 | — | — | — | — | — | — | — |
| Operating Margin | Softening | 56.5% | 56.3% | 62.7% | — | — | — | — | — | — | — |
| Other Income | Insufficient data | — | — | — | — | — | — | — | — | — | — |
| Interest | Improving | 1,651 | 1,645 | 1,377 | — | — | — | — | — | — | — |
| Depreciation | Strong Uptrend | 54 | 49 | 40 | — | — | — | — | — | — | — |
| Profit Before Tax | Declining | 704 | 641 | 882 | — | — | — | — | — | — | — |
| Tax | Declining | 173 | 169 | 226 | — | — | — | — | — | — | — |
| Net Profit | Softening | 531 | 472 | 656 | — | — | — | — | — | — | — |
| Net Margin | Declining | 12.4% | 11.4% | 17.9% | — | — | — | — | — | — | — |
Key Takeaways
- Net profit surged by 38.3% YoY to ₹785.2 crore compared to ₹567.7 crore in the same quarter last year.
- Total revenue from operations grew 10.6% YoY, driven primarily by robust growth in interest income.
- The Gross Loan Book (AUM) reached ₹1,22,048 crore, indicating steady expansion in the financial services sector.
- Disbursements for the quarter remained strong at ₹17,629 crore.
- Asset quality remains in focus as impairment of financial instruments reached ₹697.1 crore, a slight increase from ₹669.7 crore YoY.
- Management successfully concluded the quarter with an unmodified review of financial results following their recent IPO activity.
Management Guidance
Management indicated that IPO and NCD proceeds have been utilized according to objectives with no deviations, signaling a continued focus on capitalizing for growth.
Sentiment Shift
Improving
A significant 38% bottom-line growth coupled with expanding AUM and stable margins suggests improved operational efficiency compared to the prior fiscal year.
Outlook
The company appears well-positioned for the upcoming fiscal year with a growing AUM base and successful utilization of proceeds for capital augmentation.
From the Annual Report (Key Quotes)
“Q1FY27 PAT rose 38.3% to ₹785 crore; disbursements were ₹17,629 crore, AUM ₹1,22,048 crore.”
“Review Report contains an unmodified opinion.”
“IPO and NCD proceeds utilised with no deviation.”
Official Quarterly Documents
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This summary is AI-generated from HDB Financial Services Limited's latest quarterly filing and earnings call. For informational purposes only — not investment advice.