
HDFC Bank Limited

HDB (HDFC Bank Limited) trades at -0.8x EV/Revenue — attractively valued for a financials company with strong gross margins (52%) and moderate growth (+9% YoY). The business is profitable at 22% EBIT margins. Forward PE of 0x.
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HDB Financial Services is one of India's largest non-banking financial companies (NBFCs), primarily focused on providing consumer financing solutions across India. The company serves middle and lower-middle income customers through vehicle loans, personal loans, and other retail financing products, generating revenue through interest spreads and fees.
HDB operates in India's rapidly expanding consumer finance market, expected to grow 12-15% annually driven by rising income levels and financial inclusion initiatives. The company is targeting 15-20% loan book growth through geographic expansion and product diversification, particularly in digital lending channels.
As an NBFC, HDB generates net interest margins typically in the 8-12% range, with operating leverage driving ROA improvements as the business scales. The company focuses on maintaining credit costs below 2% while expanding fee-based income streams to enhance overall profitability.
HDB competes with established players like Bajaj Finance and Mahindra Finance, differentiating through deep rural penetration and strong dealer relationships in the automotive financing space. The company's extensive branch network and local market knowledge provide competitive advantages in underserved geographies.
*Note: Limited recent financial data available for detailed quarterly analysis. Investors should review the most recent earnings release and management commentary for current performance trends and outlook.*
*Analyst coverage and consensus data not available in current dataset. Investors should consult recent research reports from major brokerage firms covering Indian financial services for current Street sentiment.*
HDB represents exposure to India's growing consumer finance story, but investors should conduct thorough due diligence given limited publicly available financial information and the inherent risks in the NBFC sector.








| '25E | '26E | '27E | '28E | |
|---|---|---|---|---|
| Revenue | $1897.3B | $2060.0B | $2367.2B | $2739.2B |
| Growth | — | +9% | +15% | +16% |
| EBITDA | — | $582.1B | $668.9B | $774.0B |
| Growth | — | +15% | +16% | |
| FCF | $1129.2B | — | — | — |
| Margin | 60% | — |
| — |
| — |
| EPS (PF) | $143.36 | $163.28 | $190.33 | $215.47 |
| Growth | — | +14% | +17% | +13% |