HDB Financial Services Ltd. Share Price

HDB Financial Services – Positional Important Levels:

HDB Financial Services Limited [HDBFS] – Positional Important Levels: Support: ₹780 – ₹800 Resistance: ₹830 – ₹850 Structure: Neutral to positive technical setup Business: Diversified NBFC offering consumer loans, business loans, gold loans, commercial lending and other financial services Key driver: Growth in retail lending, MSME financing and expansion of the customer base Growth visibility: Increasing penetration of formal credit and HDB Financial Services' extensive distribution network provide long-term growth opportunities Earnings profile: Loan growth, net interest margins and credit costs remain the key drivers of profitability Financial profile: Diversified loan book and strong parentage provide a relatively stable funding and business environment Watch out for: Asset quality, credit costs, funding costs, RBI regulations and competitive pressure in retail lending Verdict: Positive bias while above ₹780–₹800 support zone Fresh momentum can emerge on a sustained breakout above ₹830 A move above ₹850 can indicate stronger positional momentum A decisive break below ₹780 may weaken the overall structure #FundamentalViews #TechnicalViews #WatchOutFor #Today’sTradingSetup #StockNews

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Q1 FY27 Consolidated Results YoY: NII at 42950 Cr vs 39663 Cr, up 8.3%. PPOP at 30996 Cr vs 36163 Cr, down 14.3%; prior year included Rs 6949 Cr one-off gain from HDBFS IPO OFS, adjusted PPOP grew ~6%. PAT at 19245 Cr vs 16258 Cr, up 18.4%; adjusted for one-offs, growth was ~9.8% YoY. GNPA at 1.17% vs 1.49%, NNPA at 0.41% vs 0.47%. CAR at 19.6% (Jun'26) vs 19.7% (Jun'25), CET1 at 17.4%. Retail and Wholesale banking segments were the key drivers, while Treasury segment profit declined due to high base from prior year's HDBFS IPO gain.

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HDB FINANCIAL SHARES IN FOCUS AS COMPANY REPORTS STRONG Q1 PROFIT GROWTH

reported a strong June quarter with profit rising 38%. Net interest income increased 20%, and asset quality showed improvement. Assets under management grew 11%, reflecting steady lending business expansion. The company's stock saw a notable jump following the positive financial results. Having a market cap of Rs 62,208 crore, the company was listed in July 2025. After seeing a correction, the share price has jumped over 20% in the last one month indicating a strong momentum in the stock. In the last quarter, FIIs have slightly increased stake in the company from 3.01% to 3.55%.

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HDB Financials Results Analysis-Q1FY27

Interest Earned for Q1FY27 is Rs. 4,262 Crs., 11.24% growth YoY, Net Interest Income is Rs. 2,509 Crs., 19.93% growth YoY, Total Income is Rs. 4,938 Crs.,10.58% growth YoY, Pre-Provisioning Operating Profit is Rs. 1,752 Crs., 24.96% growth YoY, PBT is Rs. 1,055 Crs., 44.04% growth YoY, Net profit is Rs. 785 Crs., 38.31% growth YoY. For Q1FY27 Gross NPA 2.34% vs 2.56% in Q1FY26, Net NPA 1.04% vs 1.11% in Q1FY26. Return on Assets is 2.5% improved by 60 BPS YoY, return on Equity is 14.96% improved by 176 BPS YoY, Net Interest Margin is 8.35% improved by 61 BPS YoY. On QoQ basis Interest Earned has achieved 4.43% growth, Net Interest Income has grown by 4.58%, Total Income has grown by 4.06%, Pre-Provisioning Operating Profit has grown by 3.33%, PBT grown by 4.34%, PAT is grown by 4.61%. Customer franchise grew to 23.9 million with an increase of 4.1% during the quarter and 18.6% Y-o-Y. Gross loan book as on Jun 30, 2026 stood at ₹1,21,846 crores, growing 2.83% sequentially and 11.44% Y-o-Y. Secured loans comprised 74% of the Gross loan book.

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