HDBFS Reports Strong Growth in Q4FY26, Boosted by 43.6% Profit Before Tax Increase
HDB Financial Services Limited today announced its audited standalone financial results for the quarter and year ended March 31, 2026. The figures reflect a period of significant operational growth across key income segments.The Board of Directors of HDB Financial Services Limited approved the financial results during its meeting held in Mumbai on Wednesday, April 15, 2026.
Key Performance Highlights for Q4FY26
The company reported robust growth figures for the quarter ended March 31, 2026. Net interest income increased by 21.6%, reaching ₹ 2,399 crore compared to ₹ 1,973 crore for the previous year quarter. Net total income rose 17.1%, standing at ₹ 3,063 crore, up from ₹ 2,616 crore in Q4FY25.Profit before tax demonstrated the strongest quarterly growth, increasing by 43.6% to ₹ 1,011 crore, compared to ₹ 704 crore in Q4FY25. Profit after tax (PAT) for the quarter increased 41.4% to ₹ 751 crore, up from ₹ 531 crore.
Loan losses and provisions saw an increase of 8.0%, totaling ₹ 685 crore, up from ₹ 634 crore the previous year.
Full Year and Asset Growth
For the full year ended March 31, 2026, the company reported PAT of ₹ 2,544 crore, an increase of 16.9% compared to the ₹ 2,176 crore recorded in the previous fiscal year.The company's asset base also expanded significantly during the year. Asset under management (AUM) stood at ₹ 1,18,733 crore as of March 31, 2026, showing a growth of 10.7% year-over-year. Similarly, the Gross Loan Book reached ₹ 1,18,493 crore, marking a 10.9% growth compared to ₹ 1,06,878 crore at the end of March 31, 2025.
Regarding asset quality, the Gross Stage 3 loans were recorded at 2.44% as of March 31, 2026, compared to 2.26% at the end of the previous year. The Provision Coverage ratio stood at 55.53% on stage 3 assets, slightly down from 55.95% reported on the same basis in March 2025.
Comparative Financial Data
The following table summarizes the financial and operational metrics for HDBFS across key quarters and years:| Particulars (Quarter ended) | 31-Mar-25 | 31-Dec-25 | 31-Mar-26 |
|---|---|---|---|
| Total Gross Loans (₹ bn) | 1,069 | 1,146 | 1,185 |
| Enterprise Lending Mix% | 39% | 38% | 38% |
| Asset Finance Mix% | 38% | 38% | 38% |
| Consumer Finance Mix% | 23% | 24% | 24% |
| Secured Gross Loans Mix% | 73% | 74% | 74% |
| Net Interest Margin% | 7.6 | 8.1 | 8.2 |
| Credit Cost %of Total Gross Loans | 2.4 | 2.5 | 2.3 |
| Gross Stage 3 %as a ratio of Total Gross Loans | 2.26% | 2.81% | 2.44% |
| Return on average assets %(Annualised) | 2.0 | 2.2 | 2.5 |
| Earnings Per Share (FTQ) | 6.7 | 7.8 | 9.0 |
| Book Value Per Share (₹) | 199 | 239 | 249 |
HDB Financial Services Limited is a non-deposit taking non-banking finance company (NBFC) established in 2007 and is categorized as an upper layer NBFC by the RBI. The company offers loan products through three primary business verticals: Enterprise Lending, Asset Finance, and Consumer Finance, catering to individuals, emerging businesses, and micro enterprises.
HDBFS Stock Price Movement
Today, HDB Financial Services Limited shares edged higher to settle at ₹644.3, gaining 5.16% for the session. The stock saw substantial investor interest today, trading on a volume of 568,299 shares.Source:
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