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HDB Financial Services Limited Q1 FY27 earnings call summary

NSE: HDBFS · BSE: 544429

Earnings call of 15 Jul 2026, summarised by AI from the filing.

HDB Financial Q1 FY27 PAT ₹785 cr, up 38.3% YoY, with Stage 3 improving to 2.34% and steady-state credit cost guided at 2.3%.

Key takeaways

  1. Profit PAT ₹785 cr, highest ever quarterly profit, up 38.3% YoY and 4.6% QoQ.
  2. Stage 3 Gross Stage 3 improved to 2.34% from 2.44% as at March 31, 2026 despite seasonally weak Q1.
  3. Consumer Finance Book grew 21% YoY, led by consumer durables up over 50% YoY on distribution and seasonal demand.
  4. Monsoon Monsoon and El Nino remain key monitorables for asset quality and the Asset Finance business.

Original filing on BSE

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

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