HDB Financial Services Limited (HDBFS) is a prominent non-banking financial company (NBFC) in India, established in 2007 and functioning as a subsidiary of HDFC Bank. The company primarily serves both retail and corporate clients, providing a diverse range of financial products and services. Product OfferingsHDB Financial Services provides a wide array of financial products including:Loans:Personal LoansBusiness LoansLoans Against PropertyGold LoansVehicle Loans (Car and Commercial)Consumer Durable LoansBPO Services: Including administrative services like document processing and debt collection.Insurance Products: As a corporate insurance agent for various insurance companies
| P&L Statement | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Interest Earned | 8478 | 8362 | 8928 | 11157 |
| Other Income | 2507 | 2944 | 3475 | 3014 |
| Interest Expanded | 3882 | 3325 | 3512 | 4864 |
| Operating Expenses | 3383 | 4068 | 4933 | 4790 |
| Provisions and Contingencies | 3068 | 2465 | 1330 | 1067 |
| PAT | 378 | 1011 | 1959 | 2461 |
| eps | 4.79 | 12.79 | 24.75 | 31.03 |
| Gross NPA | 4.4 | 4.99 | 2.73 | 1.9 |
| Net NPA | 3.05 | 2.29 | 2.72 | 1.9 |
| Assets | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Fixed Assets | 91 | 78 | 122 | 162 |
| CWIP | 975 | 683 | 654 | 703 |
| Investments | 1592 | 2233 | 1243 | 3380 |
| Trade Receivables | 58601 | 57162 | 66383 | 86721 |
| Other Assets | 4040 | 1869 | 1648 | 1590 |
| Total Assets | 65299 | 62025 | 70050 | 92556 |
| Liabilities | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Share Capital | 789.19 | 790.44 | 791.4 | 793.1 |
| FV | 10 | 10 | 10 | 10 |
| Reserves | 7657 | 8749 | 10645.5 | 12949 |
| Borrowings | 46371 | 44833 | 51324 | 68682 |
| Trade Payables | 0 | 0 | 0 | 0 |
| Other Liabilities | 7814 | 7643 | 7289.1 | 10131.9 |
| Total Liabilities | 62641.19 | 62025.44 | 70050 | 92556 |
| Cash-Flow Statement | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| PBT | 500 | 1347 | 2627 | 3305 |
| OPBWC | -984 | -1074 | -1382 | -1820 |
| Change in Receivables | -65 | -47 | 0 | 0 |
| Change in Inventories | -4482 | -1016 | -10463 | -21406 |
| Change in Payables | 5009 | 3580 | 4361 | 7240 |
| Other Changes | 462 | 2517 | -6102 | -14166 |
| Working Capital Change | -522 | 1443 | -7484 | -15986 |
| Cash Generated From Operations | -180 | -514 | -633 | 750 |
| Tax | 462 | 2517 | -6102 | -14166 |
| Cash Flow From Operations | -24 | -41 | -111 | -123 |
| Purchase of PPE | -15557 | -24583 | -49267 | -52917 |
| Sale of PPE | 15713 | 23920 | 50350 | 50894 |
| Cash Flow From Investment | 131.38 | -703.73 | 973.5 | -2145 |
| Borrowing | 19850 | 17676 | 17208 | 29911 |
| Divided | -19573 | -19300 | -12507 | -20307 |
| Equity | 36 | 37.89 | 0 | 71 |
| Others From Financing | 295 | 87 | 1245 | 9712 |
| Cash Flow from Financing | 608 | -1499.11 | 5796 | 19133 |
| Net Cash Generated | 397.38 | -245.84 | -81.5 | 252 |
| Cash at the Start | 356 | 753 | 477 | 396 |
| Cash at the End | 753.38 | 507.16 | 395.5 | 648 |
| Shareholding Pattern | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Others | 4.89% | 5.04 | 5.16 | 5.36% |
