HDB Financial Services Ltd

Q2 FY27

HDB Financial Services Q2 FY27 investor presentation: Revenue & Margins

Q2 FY27 investor presentation: what the company reported on revenue, margins and projects.

Price₹539

Market cap₹44.8K Cr

P/E16.2

Updated16 Oct 2026

Read4 min read

Based on HDB Financial Services Ltd's Q2 FY27 investor presentation. The company has not published an earnings-call transcript for this quarter, so figures here are what the investor presentation reports, not management guidance.

The short version

Gross Loan Book as of Sep 30, 2026: ₹1,24,469 crores; up 11.7% YoY and 2.2% QoQ (Page 12) - Disbursements for Q2 FY27: ₹18,522 crores; up 18.7% YoY and 5.1% QoQ (Page 12) - Net Interest Income for EBITDA / Pre-Provisioning Operating Profit (Lending + BPO) for Q2 FY27: ₹1,774 Cr, up 16.9% YoY (Page 26, 29) - Operating Margin is not explicitly stated as a percentage in the presentation.

From HDB Financial Services Ltd's Q2 FY27 earnings-call transcript · updated 16 Oct 2026.

Revenue & Sales Performance

Gross Loan Book as of Sep 30, 2026: ₹1,24,469 crores; up 11.7% YoY and 2.2% QoQ (Page 12)
Disbursements for Q2 FY27: ₹18,522 crores; up 18.7% YoY and 5.1% QoQ (Page 12)
Net Interest Income for Q2 FY27: ₹2,534 crores; up 15.6% YoY and 1.0% QoQ (Page 27)
Non-Interest Income for Q2 FY27: ₹2,891 crores; up 14.2% YoY and 0.7% QoQ (Page 27)
Profit Before Tax for Q2 FY27: ₹1,726 crores; up 16.9% YoY and 1.7% QoQ (Page 29)

2 more points from HDB Financial Services Ltd's call on revenue

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Profitability & Margins

EBITDA / Pre-Provisioning Operating Profit (Lending + BPO) for Q2 FY27: ₹1,774 Cr, up 16.9% YoY (Page 26, 29)
Operating Margin is not explicitly stated as a percentage in the presentation. However, Cost to Income ratio for lending business is ~41.1% (10 Yr CAGR info, Page 33), indicating operating margins around 59%.
Profit After Tax (PAT) for Q2 FY27: ₹780 Cr, down 0.6% QoQ but up 34.2% YoY (Page 25, 29)
No explicit margin outlook is provided in the presentation regarding future EBITDA or operating margin targets. The focus is on sustainable growth and maintaining strong capital and liquidity metrics (Pages 34-36, 53).

See what HDB Financial Services Ltd said on profitability & margins — free account, 30 seconds.

Capital Expenditure Plans

The HDB Financial Services Q2 FY2027 presentation does not describe any capex, capacity expansion, new plant, or project details including amounts, status, or timelines. The document focuses primarily on financial performance, technology and risk management frameworks, ESG priorities, CSR initiatives, AI-powered transformation, and capital structure, without referencing any capital expenditure or physical expansion plans.

Fundraising & Capital Structure

The presentation mentions a diversified borrowing mix as of September 30, 2026:
43.4% from Demand Loans
28.5% from Non-Convertible Debentures (NCDs)
12.1% from External Commercial Borrowings
5.7% from Securitisation
5.0% from Subordinated Debt
3.9% from Commercial Paper
1.5% from Perpetual Debt
The cost of borrowings was 7.04% (quarterly annualized) as of Sep-26.
Debt/Equity ratio stands at 4.9x as of Sep-26 (a slight decrease from 5.0x in prior quarters).
The company states a well-capitalized position with a CRAR of 21.37% as at Sep-26.

2 more points from HDB Financial Services Ltd's call on fundraising

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See what HDB Financial Services Ltd said on fundraising & capital structure — free account, 30 seconds.

Order Book & Pipeline

The presentation "HDB Financial Services Presentation Q2 FY2027" does not explicitly report any figures or information on order book, order inflow, or pending orders. - The document primarily covers financial performance, asset liability management, shareholding pattern, product portfolio, ESG priorities, technology stack, and strategic initiatives. - The closest relevant data includes details on disbursement and gross loan book mix, customer franchise growth, and credit & collections performance. - No specific metrics or terms related to "order book," "order inflow," or "pending orders" are mentioned in the presentation. Thus, based strictly on the content provided, there is no report on order book or order inflow in this investor presentation.

What HDB FINANC SER's management said in earlier quarters

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Frequently Asked Questions

What were HDB Financial Services Ltd Q2 FY27 results?

What is HDB Financial Services Ltd share price analysis?

HDB Financial Services Ltd currently shows a neutral. The stock trades at a P/E of 16.2 with a market cap of ₹44,788 Cr. Investors should review the full earnings analysis for detailed insights.

Is HDB Financial Services Ltd planning capital expenditure?

The HDB Financial Services Q2 FY2027 presentation does not describe any capex, capacity expansion, new plant, or project details including amounts, status, or timelines.

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This analysis is AI-generated based on publicly available earnings data and the company's investor presentation. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.