Company profile / HDBFS

HDB Financial Services earnings calls.

Other · 4 quarters tracked · source-linked performance, management guidance and promise context.

Research layer active
PositiveCredibility 0/100Latest record q1-fy27

Latest revenue

Pending

financial record pending verification

Quarters tracked

4

source records in the directory

Delivery assessment

0

Across 8 tracked commitments: 0 delivered, 8 missed.

Call date

Pending

latest available source date

Signal trajectory

3 actual quarters
PAT (₹ Cr)PositiveWatchNegative
3 actual records
Actual quarterly PAT (₹ Cr) trajectoryReported values plotted by quarter. Hover or focus a point for its quarter, value, and source sentiment.Q2 FY26: 581 · Watch source sentiment · 2025-10-15Q2 FY26Q3 FY26: 686 · Positive source sentiment · 2026-01-15Q3 FY26Q1 FY27: 785 · Positive source sentimentQ1 FY27785581
Values are taken from the available verified source records; sentiment color is a separate source-read indicator.

Current read

0/100

Across 8 tracked commitments: 0 delivered, 8 missed.

Latest source read

What changed this quarter?

Open quarter read

HDB Financial Services reported a strong Q3 FY26 with PAT of ₹686 crore (ex-labor code impact), up 18% YoY, driven by record disbursements of ₹17,917 crore (+15% QoQ) and NIM expansion to 8.09%. Asset quality stabilized, with gross stage 3 at 2.81% and early bucket delinquencies improving across unsecured and CV/CE portfolios. Management expects growth to return to 18-20% trajectory as unsecured book health improves and festive demand sustains. Key risk: competitive intensity and potential hardening of bond yields could pressure margins and growth.

Colored figures compare against the previous available record. Hover or focus one for the comparison.

Signal

Positive

Revenue

Pending

Source date

Pending

Across the record

Quarter history.

3 source records

History modules

Follow the numbers and themes.

Revenue history PAT history Margin trend Guidance tracker Bear-case history Language trends FY26 summary