ResultsIQ › Latest results › HDB Financial Services Limited
HDB Financial Services Limited Q2 FY26 earnings call summary
NSE: HDBFS · BSE: 544429
Earnings call of 15 Oct 2025, summarised by AI from the filing.
HDB Financial Services reports Q2 FY26 PAT of ₹581 cr and guides to 2.2% credit cost over 3-5 years as CV stress lifts Stage 3 to 2.81%.
Key takeaways
- Profit after tax ₹581 cr in Q2 FY26 (Q1 FY26: ₹568 cr).
- Credit cost guidance Management guides 2.2% plus/minus over 3-5 years; currently 2.7%, expected to start coming down from coming quarters.
- Gross Stage 3 Rose to 2.81% as at September 30, 2025 from 2.56% as at June 30, 2025, driven by CV stress.
- Growth driver Festive season, easing inflation, better kharif crop sowing and growing farm incomes expected to drive demand.
- Risk Monsoon and floods caused vehicle idling, impacting customer cash flows and collections.
HDB Financial Services Limited Q1 FY27 results
As filed: Revenue ₹4,938 cr (+11% year on year), EBITDA ₹2,863 cr (+13% year on year), PAT ₹785 cr (+38% year on year), EBITDA margin 58.0% (+145 bps).
The Q1 FY27 score, against the company's own trend, is for premium members.
Earlier results and the share price after them
- Q4 FY26: Revenue ₹4,745 cr, EBITDA ₹2,748 cr, PAT ₹751 cr, EBITDA margin 57.9%. Not scored. No result for the same quarter last year. Share price after the results: +4.8% in 30 days (Nifty 500: −0.3%).
- Q3 FY26: Revenue ₹4,673 cr, EBITDA ₹2,615 cr, PAT ₹644 cr, EBITDA margin 56.0%. Not scored. No result for the same quarter last year. Share price after the results: −7.1% in 30 days (Nifty 500: −0.7%).
- Q2 FY26: Revenue ₹4,545 cr, EBITDA ₹2,528 cr, PAT ₹581 cr, EBITDA margin 55.6%. Not scored. No result for the same quarter last year. Share price after the results: −1.7% in 30 days (Nifty 500: +2.0%).
- Q1 FY26: Revenue ₹4,465 cr, EBITDA ₹2,524 cr, PAT ₹568 cr, EBITDA margin 56.5%. Not scored. No result for the same quarter last year. Share price after the results: −10.6% in 30 days (Nifty 500: −4.7%).
Past price moves after results do not indicate future moves. Not a recommendation.
HDB Financial Services Limited earnings call, investor presentation and press release summaries
- Q1 FY27: Earnings call (15 Jul 2026), Results deck (15 Jul 2026)
- Q4 FY26: Earnings call (15 Apr 2026), Results deck (15 Apr 2026)
- Q3 FY26: Earnings call (14 Jan 2026), Results deck (14 Jan 2026)
- Q2 FY26: Earnings call (15 Oct 2025), Results deck (15 Oct 2025)
- Q1 FY26: Earnings call (15 Jul 2025), Results deck (15 Jul 2025), Results press release (15 Jul 2025)
Figures from the company's filings with NSE and BSE. Not investment advice.