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HDB Financial Services Limited Q2 FY27 earnings call summary

NSE: HDBFS · BSE: 544429

Earnings call of 14 Oct 2026, summarised by AI from the filing.

HDB Financial Services reported Q2 FY27 profit after tax of ₹780 cr, up 34% YoY, with NIM at 8.23% and gross Stage 3 at 2.43%.

Key takeaways

  1. Stage 3 Gross Stage 3 fell to 2.43% from 2.81% a year ago, though it rose from 2.34% in Q1 FY27.
  2. Consumer Finance Consumer Finance disbursements grew over 25% YoY and the book 22% YoY, with festive demand expected to help.
  3. Used CV Used CV growth and the longer-dated delinquent book remain challenges; turnaround expected over coming months.

Original filing on BSE

HDB Financial Services Limited Q2 FY27 results

As filed: Revenue ₹5,005 cr (+10% year on year), EBITDA ₹2,918 cr (+15% year on year), PAT ₹780 cr (+34% year on year), EBITDA margin 58.3% (+268 bps).

The Q2 FY27 score, against the company's own trend, is for premium members.

Earlier results and the share price after them

  • Q1 FY27: 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). Score 63 of 100, In line with trend. EBITDA margin rose 145 bps year on year. Not enough history for a trend yet: scored on growth alone. Share price after the results: −8.6% in 30 days (Nifty 500: +1.4%).
  • 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: −9.6% in 30 days (Nifty 500: −3.3%).

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

Figures from the company's filings with NSE and BSE. Not investment advice.