HDBFS IN EQUITY
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52-week range—
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P/E · TTM—
As of—
| ₹ CR · FY | FY18 | FY19 | FY23 | FY24 | FY25 | YOY |
|---|---|---|---|---|---|---|
| Profit & loss | ||||||
| Revenue | 7,027 | 8,725 | 12,403 | 14,173 | 16,300 | +15% |
| Operating profit | 1,482 | 1,786 | 2,738 | 3,449 | 3,122 | −9.5% |
| OPM % | 21.1% | 20.5% | 22.1% | 24.3% | 19.2% | |
| Interest | 2,449 | 3,333 | 3,512 | 4,907 | 6,433 | +31.1% |
| Profit before tax | 1,436 | 1,724 | 2,627 | 3,305 | 2,928 | −11.4% |
| Net profit | 933 | 1,153 | 1,959 | 2,461 | 2,176 | −11.6% |
| NPM % | 13.3% | 13.2% | 15.8% | 17.4% | 13.3% | |
| Balance sheet & cash | ||||||
| Total assets | 45,447 | 56,540 | 70,050 | 92,557 | 1,08,663 | +17.4% |
| Equity | 6,040 | 7,179 | 11,437 | 13,743 | 15,820 | +15.1% |
| Debt | — | — | — | — | — | — |
| Cash from ops | -8,186 | -8,991 | -6,851 | -16,736 | -13,626 | +18.6% |
| Capex | — | — | — | — | — | — |
| CHECK | RESULT | VALUE |
|---|---|---|
| Net profit positive | ✓ PASS | 2,176 |
| Operating cash flow positive | ✗ FAIL | -13,626 |
| ROA improved | ✗ FAIL | 2.7% → 2.0% |
| Cash from ops > net profit | ✗ FAIL | -6.26× |
| Leverage fell | n/a | — → — |
| Current ratio improved | n/a | — → — |
| Gross margin improved | ✗ FAIL | 24.3% → 19.2% |
| Asset turnover improved | ✗ FAIL | 0.15 → 0.15 |
| Interest cover above 3× | ✗ FAIL | 0.5× |
| ₹ CR · QUARTER | Q4 FY24 | Q3 FY25 | Q4 FY25 | YOY |
|---|---|---|---|---|
| Profit & loss | ||||
| Revenue | 3,667 | 4,144 | 4,266 | — |
| Operating profit | 922 | 689 | 758 | — |
| OPM % | 25.1% | 16.6% | 17.8% | |
| Interest | 1,377 | 1,645 | 1,650 | — |
| Profit before tax | 882 | 641 | 704 | — |
| Net profit |
| 656 |
| 472 |
| 531 |
| — |
| NPM % | 17.9% | 11.4% | 12.4% |