HDB Financial Services Intrinsic Value
HDBFS Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹320.16 | ₹256.13 - ₹384.19 | -54.3% | EPS: ₹26.68, Sector P/E: 12x |
| Book Value Method | asset | ₹158.99 | ₹143.09 - ₹174.89 | -77.3% | Book Value/Share: ₹198.74, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹214.37 | ₹192.93 - ₹235.81 | -69.4% | Revenue/Share: ₹214.37, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹605.28 | ₹544.75 - ₹665.81 | -13.5% | EBITDA: ₹9636.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹210.04 | ₹189.04 - ₹231.04 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹219.84 | ₹197.86 - ₹241.82 | -68.6% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹350.07 | ₹315.06 - ₹385.08 | -50.0% | ROE: 13.4%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹345.41 | ₹310.87 - ₹379.95 | -50.7% | EPS: ₹26.68, BVPS: ₹198.74 |
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Valuation Comparison Chart
HDBFS Intrinsic Value Analysis
What is the intrinsic value of HDBFS?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of HDB Financial Services (HDBFS) is ₹320.16 (median value). With the current market price of ₹700.15, this represents a -54.3% variance from our estimated fair value.
The valuation range spans from ₹158.99 to ₹605.28, indicating ₹158.99 - ₹605.28.
Is HDBFS undervalued or overvalued?
Based on our multi-method analysis, HDB Financial Services (HDBFS) appears to be trading above calculated value by approximately 54.3%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.02 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 13.4% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 56.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.16x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for HDB Financial Services
Additional stock information and data for HDBFS
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹-13,626 Cr | ₹-13,626 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹-16,736 Cr | ₹-17,809 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-6,851 Cr | ₹-6,851 Cr | Negative Cash Flow | 3/10 |
| March 2019 | ₹-8,991 Cr | ₹-9,082 Cr | Negative Cash Flow | 3/10 |
| March 2018 | ₹-8,186 Cr | ₹-8,211 Cr | Negative Cash Flow | 3/10 |