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Get complete analysis on HDB Financial Services Unlisted Shares & Information Like- Revenue Growth, Net Profit Growth, EPS Growth, Operating Profit Growth, & HDB Financial Services Board of Directors.
Company had tied up with Maruti Suzuki for car loans for both new and
used cars and given that road transport sector is likely to see a quick
recovery post pandemic this tie-up can yield great revenue for the company.
Growth in %
36.96%
1 Year
9.33%
5 Year
33.54%
9 Year
The company's revenue has been steadily expanding, although it fell in FY21 due to the pandemic and an increase in provision for bad loans. In FY22, the firm had a 36.9% growth in revenue as commission income climbed and provision for loan losses decreased, while it remained high compared to prior years.
Growth in %
158.36%
1 Year
7.68%
5 Year
28.97%
9 Year
Due to a rise in commission income and a decrease in expenditure and provision for loan losses, the company's earnings have increased by 158% in FY22 indicating that it is functioning well and is optimistic about loan repayments.
Growth in %
157.75%
1 Year
5.85%
5 Year
19.96%
9 Year
The company's earnings per share (EPS) has dropped by 157%. This growth was fueled by improved market sentiment following the epidemic, which resulted in increased revenue for the firm.
Growth in %
9.07%
1 Year
15.15%
5 Year
21.29%
9 Year
Due to an increase in reserve and surplus, as well as an increase in the premium on the issuing of shares, the company's book value has improved. In addition, many employees have availed their ESOPs, with a total of 12,54,815 ESOPs being used in FY22. As a result, the company's entire book value increased by 9.2%. It was critical for the corporation to boost its retained earnings by taking into account the market conditions during the epidemic.
Growth in %
137.72%
1 Year
5.68%
5 Year
28.22%
9 Year
Growth in %
169.13%
1 Year
4.95%
5 Year
27.61%
9 Year
Growth in %
-0.98%
1 Year
11.99%
5 Year
25.04%
9 Year
In FY22, total assets of the company have decreased due to a decrease in the loan book of the company by 2.3%, while investments done in government securities and mutual funds by the company increased.
While cash of the company has decreased in comparison to FY21 in is slightly higher then previous years, due to reduction in liquidity risk in market and RBI provisions regarding margin cash requirements. On the other hand company has reduced its fixed assets due to high depreciation and disposable charge during the year.
Growth in %
384.98%
1 Year
-22.03%
5 Year
87.57%
9 Year
The company's cash flow from operations has increased commendably as a result of negligible the loan supplied and a drop in financial obligations, which minimizes the company's cash outflow.
HDB Financial Services Net Interest Margin
Interest income generated by the company in relation to its assets is quite good but has seen a fall in FY22, due to a fall in interest through loans. In FY13 it saw a fall due to an increase in no. of assets of the company. But as time passes company is effectively managing its assets to generate interest income.
HDB Financial Services Net NPA
Growth in %
-28.88 %
1 Year
21.92 %
5 Year
27.9 %
9 Year
In FY22, the company's net nonperforming assets (NNPA) decreased to 1402.95 crores, or 2.29 % loans. This drop was due to the economy improving, since individuals were able to settle their loans following the covid.
HDB Financial Services Capital Adequacy Ratio(CAR)
The company is maintaining optimum CAR of 20.22%, which is well above RBI standard. This suggests it has enough capital available to cover risk-weighted credit exposures.
HDB Financial Services Gross NPA
GNPA of the company has seen rise in FY22 and is continuously increasing, as company deal in unsecured loans which led to high risk and defaults. Total Gross non performing assets of the company as of FY22 are Rs.3058.76 crore.
The company's debt to equity ratio has been steadily expanding, with a modest decrease in FY21 and FY22 due to the issuing of ESOPs. The business's debt has been steadily growing, however it has decreased in FY22 as the company has reduced borrowings via securitization and issued redeemable non convertible debentures worth roughly Rs.2000 crore. While they have returned roughly Rs.800 crore in commercial borrowings,
The firm's current ratio rose in FY22 owing to a drop in current assets, including cash, as well as current liabilities, as a result of market risk and uncertain scenarios. The company is attempting to retain liquidity for difficult times by keeping a high standard.
Interest coverage ratio of the company is quite high in relation to its earnings, this show good liquidity performance.
The firm had been maintaining optimal margin ratios, but in FY21, it saw a significant drop due to a drop in operating income. However, they successfully recovered this drop in FY22, indicating that the firm is performing well since they are able to correctly utilise interest money.
The company's ROE had been steadily improving, but in FY21 it dropped by 64.04 % due to a disturbance in the income generated. In FY22, the firm is back on track and has witnessed a strong increase. This indicates that, in comparison to the previous year, the firm is able to provide great possible returns to its stockholders.
ROA of the company has also seen a growth due to improvement in income of the company. While they have seen decrease in its financial assets including loan book and cash.
HDB Financial Services Dividend Yield
HDB Financial Services CAR
HDB Financial Services Tier 1
HDB Financial Services Tier 2
HDB Financial Services Tier 1 Capital Ratio
HDB Financial Services Tier 2 Capital Ratio
HDB Financial Services Tangibe Book Value
Tangible book value of the company is continuously increasing due to rise in reserves and retained earnings of the company. During pandemic company was trying to have enough amount as reserves to be on safer side. The company also reduced their intangible assets from 2 Cr. with further led to increase in the no.
HDB Financial Services AUM
As operations of the company increased, they continued to focus on diversifying its products and expand its distribution to effectively deliver credit solutions to its market.
HDB Financial Services AUM Growth
AUM of the company is rising from last 8 years but the growth is slow as compared to previous years.
