HDB Financial Services Share Price Target, 2025, 2026, 2030, 2040, 2050
HDB Financial Services is a well-known finance company in India which is part of HDFC Bank. It provides different types of loans to people and businesses, such as personal loans, business loans, car loans, and loans using property. The company mainly helps individuals and small businesses by helping them financially. It has many offices across cities and villages, so its services are easy to reach. It also supports small and medium businesses with loans to help them grow and manage their daily work. The company is financially strong and has received good ratings from trusted agencies like CARE and CRISIL.
- 1 What is the HDB Financial Services Ltd NSE: HDBFS?
- 2 HDB Financial share price
- 3 HDB Financial share price Target 2025
- 4 HDB Financial share price Target 2026
- 5 Share price Target 2027
- 6 Share price Target 2028
- 7 Share price Target 2029
- 8 HDB Financial share price Target 2030
- 9 Share price Target 2040
- 10 Share Price Target 2050
- 11 Should I buy HDB Financial stock?
- 12 HDB Financial earnings results (Financials)
- 13 Is HDB Financial stock good to buy? (bull case & bear case)
- 14 Conclusion
- 15 FAQs
What is the HDB Financial Services Ltd NSE: HDBFS?
HDB Financial Services was established in 2007 in Mumbai and is fully owned by HDFC Bank. It is one of India’s top non-banking finance companies, and offers many services including personal loans, business loans, gold loans, two-wheeler and car loans, and loans for small businesses. It also provides customer support and other services through its BPO division. It has over 1,700 branches across the country. As of the financial year 2024, its total loans were around ₹98,600 crore. The company earned ₹7,890 crore in revenue and made a profit of ₹1,170 crore that year.
It has helped millions of customers, mainly focusing on people who are new to borrowing or don’t have easy access to banks. A good portion of its loans goes to these first-time borrowers. Its biggest customers make up only a very small part of its total loans, which helps lower risk. It offers different types of loans for businesses, vehicles, and personal use, each managed by its team. No single type of loan makes up too much of the total, which keeps things balanced. In 2025, its share price target would be ₹1150, as per our analysis.
By our prediction, its share price would be between ₹640 to ₹1150 in 2025.
On July 25, 2025, its shares fell by 3% to 3761.05 after the company reported a 2% drop in profit compared to last year of the first quarter of FY26. The stock has gone down 15% from its recent high because investors are worried about slow loan payments and weaker results. Earlier, on July 16, the company’s profit fell by 2.4%, which caused the shares to drop almost 4%. Even though revenue increased, higher expenses made investors unhappy. Still, Emkay Global thinks the stock is a good buy and has set a target price of ₹900.
| Year | Minimum Price (Rs) | Maximum Price (Rs) |
| 2025 | 640 | 1150 |
| Month | Minimum Price (Rs) | Maximum Price (Rs) |
| July | 741 | 891 |
| August | 680 | 975 |
| September | 640 | 990 |
| October | 754 | 1035 |
| November | 887 | 1090 |
| December | 912 | 1150 |
It works across India using both physical branches and digital tools, it has many of its branches in smaller towns and cities. It gets support from a large network of shopkeepers, dealers, and partnerships with well-known brands. The company also uses its mobile app and works with financial technology companies to connect with more people. It has a big team that checks and approves loans and collects payments. Most of its loans and payments are handled online or through banks. In 2026, its share price target would be ₹1630, as per our analysis.
By our prediction, its share price would be between ₹1100 to ₹1630 in 2026.
| Year | Minimum Price (Rs) | Maximum Price (Rs) |
| 2026 | 1100 | 1630 |
| Month | Minimum Price (Rs) | Maximum Price (Rs) |
| January | 1100 | 1235 |
| February | 1124 | 1254 |
| March | 1142 | 1267 |
| April | 1178 | 1284 |
| May | 1190 | 1300 |
| June | 1210 | 1325 |
| July | 1235 | 1378 |
| August | 1268 | 1400 |
| September | 1280 | 1425 |
| October | 1325 | 1487 |
| November | 1425 | 1554 |
| December | 1480 | 1630 |
It has built a strong digital system that helps, like finding new customers, signing them up, checking their credit, providing services, and collecting payments. The company uses paperless sign-up, smart tools like AI to check credit scores, and systems that work smoothly. Its mobile app lets customers apply for loans, track their applications, see documents, and ask for help. It gets money to run its business in a low-cost and balanced way, supported by top credit ratings. In 2027, its share price target would be ₹2115, as per our analysis.
By our prediction, its share price would be between ₹1587 to ₹2115 in 2027.
| Year | Minimum Price (Rs) | Maximum Price (Rs) |
| 2027 | 1587 | 2115 |
It is a trusted company that provides financial help to people and businesses across India. It is known for being strong and reliable. It mainly offers two types of services, namely, Lending and BPO Services. In Lending, it gives different kinds of loans—both with and without security—to meet various needs like borrowing money, investing, or getting protection plans. The company has many branches across the country, so its services are easy to access. In 2028, its share price target would be ₹2625, as per our analysis.
By our prediction, its share price would be between ₹2080 to ₹2625 in 2028.
| Year | Minimum Price (Rs) | Maximum Price (Rs) |
| 2028 | 2080 | 2625 |
As the company is owned by HDFC Bank, and because of this, it gets a lot of support, like better access to money, a strong brand value, and expert advice. This helps the company build trust with customers and work more smoothly. It offers many kinds of loans for people and small businesses. These include personal loans, business loans, gold loans, vehicle loans, loans to buy household items, and loans using property as security. It also gives loans to small businesses to buy machines and construction tools. In 2029, its share price target would be ₹3160, as per our analysis.
By our prediction, its share price would be between ₹2514 to ₹3160 in 2029.
| Year | Minimum Price (Rs) | Maximum Price (Rs) |
| 2029 | 2514 | 3160 |
It has many different customers from cities, towns, and villages. It has lots of branches in many places, so people in smaller towns and cities can easily use its services. Its customers include people with jobs, small business owners, shopkeepers, and medium-sized companies. By helping both regular businesses and people who work on their own, it reaches many who might not get loans from regular banks. Besides its branches, the company also uses online services to reach more people. In 2030, its share price target would be ₹3673, as per our analysis.
By our prediction, its share price would be between ₹3070 to ₹3673 in 2030.
| Year | Minimum Price (Rs) | Maximum Price (Rs) |
| 2030 | 3070 | 3673 |
| Month | Minimum Price (Rs) | Maximum Price (Rs) |
| January | 3070 | 3210 |
| February | 3090 | 3238 |
| March | 3114 | 3258 |
| April | 3135 | 3274 |
| May | 3157 | 3314 |
| June | 3174 | 3374 |
| July | 3215 | 3390 |
| August | 3257 | 3425 |
| September | 3290 | 3475 |
| October | 3335 | 3524 |
| November | 3375 | 3580 |
| December | 3490 | 3673 |
It spends time teaching its workers so they know how to do their jobs well. The company believes in doing the right thing, following rules, and being professional. This helps build a strong and loyal team. As a licensed financial company, it follows strict rules from the Reserve Bank of India. It carefully follows rules about handling money, treating customers fairly, and solving problems. In 2040, its share price target would be ₹7900, as per our analysis.
By our prediction, its share price would be between ₹7320 to ₹7900 in 2040.
| Year | Minimum Price (Rs) | Maximum Price (Rs) |
| 2040 | 7320 | 7900 |
| Month | Minimum Price (Rs) | Maximum Price (Rs) |
| January | 7320 | 7465 |
| February | 7345 | 7484 |
| March | 7365 | 7520 |
| April | 7384 | 7554 |
| May | 7400 | 7574 |
| June | 7432 | 7590 |
| July | 7454 | 7624 |
| August | 7566 | 7678 |
| September | 7590 | 7721 |
| October | 7632 | 7754 |
| November | 7658 | 7810 |
| December | 7751 | 7900 |
The company has been growing well over time. It is careful planning and smart decisions that have helped it stay stable. In the future, the company expects to grow more as more people in India need loans. It plans to reach rural and smaller towns where many people still don’t have access to proper loans. It also wants to use more digital tools and technology to make lending easier and improve customer service. In 2050, its share price target would be ₹12990, as per our analysis.
By our prediction, its share price would be between ₹12370 to ₹12990 in 2050.
| Year | Minimum Price (Rs) | Maximum Price (Rs) |
| 2050 | 12370 | 12990 |
| Month | Minimum Price (Rs) | Maximum Price (Rs) |
| January | 12370 | 12477 |
| February | 12390 | 12500 |
| March | 12414 | 12541 |
| April | 12465 | 12580 |
| May | 12460 | 12642 |
| June | 12532 | 12688 |
| July | 12574 | 12720 |
| August | 12590 | 12758 |
| September | 12621 | 12790 |
| October | 12651 | 12821 |
| November | 12690 | 12851 |
| December | 12732 | 12990 |
Should I buy HDB Financial stock?
| Year | Minimum Price (Rs) | Maximum Price (Rs) |
| 2025 | 640 | 1150 |
| 2026 | 1100 | 1630 |
| 2027 | 1587 | 2115 |
| 2028 | 2080 | 2625 |
| 2029 | 2514 | 3160 |
| 2030 | 3070 | 3673 |
| 2040 | 7320 | 7900 |
| 2050 | 12370 | 12990 |
It is a well-known company that gives loans to people and small businesses. It is supported by HDFC Bank and has many branches in both big cities and small towns. The company also uses apps and online tools to make it easier for customers to get loans. Even though its profit went down a little because of higher costs, the company is still doing well and growing. It can be a good option if you want to invest for the long term.
HDB Financial earnings results (Financials)
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
| Sales + | 10,945 | 11,312 | 12,403 | 14,173 | 16,300 |
| Expenses + | 6,451 | 6,540 | 6,153 | 5,817 | 6,745 |
| Operating Profit | 4,493 | 4,772 | 6,250 | 8,356 | 9,555 |
| OPM % | 41% | 42% | 50% | 59% | 59% |
| Other Income + | -2 | 0 | 1 | 1 | 0 |
| Interest | 3,883 | 3,326 | 3,512 | 4,907 | 6,433 |
| Depreciation | 108 | 99 | 112 | 145 | 194 |
| Profit before tax | 501 | 1,348 | 2,627 | 3,305 | 2,928 |
| Tax % | 22% | 25% | 25% | 26% | 26% |
| Net Profit + | 391 | 1,011 | 1,959 | 2,461 | 2,176 |
| EPS in Rs | |||||
| Dividend Payout % | 0% | 8% | 8% | 10% | 11% |
Is HDB Financial stock good to buy? (bull case & bear case)
Bull Case:
- Serves around 17–18 million customers across 1,700+ branches in India
- Strong support from the parent company, HDFC Bank, which owns over 94%
- Debts are low at around 2%, showing good loan recovery and risk control
- It has enough capital to grow safely, with a capital ratio around 17–19%
- Management is experienced and follows strict lending rules
- Growing demand for loans from small businesses and retail customers
- Past interest from global banks like MUFG shows investor confidence
Bear Case:
- Profit dropped by 27% recently because of higher loan defaults
- A big part, around 29% of loans, are unsecured, which carry more risk
- Compared to similar companies, its valuation looks slightly expensive
Conclusion
It is a well-known loan company. It gives different types of loans to people and small businesses in both cities and smaller towns. The company has been growing, even though its profit went down a little recently because of higher borrowing interest costs. It has a strong reputation, uses both branches and online tools to reach more customers, and gets good support from its parent company. Overall, it looks like a strong company for the future.
