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HDB Financial Services Limited Q1 FY26 earnings call summary
NSE: HDBFS · BSE: 544429
Earnings call of 15 Jul 2025, summarised by AI from the filing.
HDB Financial Services Q1 FY26 PAT ₹568 cr (Q4 FY25: ₹531 cr) with NIM at 7.7%, as credit cost of ₹670 cr is expected to stabilise through Q2.
Key takeaways
- NIM driver NIM expanded to 7.7% on higher yield from product-mix changes; rate-cut benefit expected from Q2.
- Asset quality Gross Stage 3 rose to 2.56% (March 31, 2025: 2.26%), with stress in CV and unsecured business loans.
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.