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HDB Financial ServicesNSE:HDBFS +2.47%9 Earnings Yield (Joel Greenblatt) % is 10.47% as of Jun. 2026, which is 33% above its 10-year median of 7.87. GuruFocus rates NSE:HDBFS with a GF Score™ of 9/100. The stock has 3 warning signs investors should review. Among 547 Credit Services companies, HDB Financial Services ranks better than 71.85% on this metric.
HDB Financial Services's Enterprise Value for the quarter that ended in Jun. 2026 was ₹622,004 Mil.
HDB Financial Services's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 was ₹65,122 Mil. HDB Financial Services's Earnings Yield (Joel Greenblatt) for the quarter that ended in Jun. 2026 was 10.47%.
The historical rank and industry rank for HDB Financial Services's Earnings Yield (Joel Greenblatt) % or its related term are showing as below:
NSE:HDBFS'
s Earnings Yield (Joel Greenblatt) % Range Over the Past 10 Years
Min: 3.73 Med: 7.87 Max: 11.79
Current: 4.3
During the past 4 years, the highest Earnings Yield (Joel Greenblatt) of HDB Financial Services was 11.79%. The lowest was 3.73%. And the median was 7.87%.
NSE:HDBFS's Earnings Yield (Joel Greenblatt) % is ranked better than 71.85% of 547
companies
in the Credit Services industry
Industry Median: 1.11
vs NSE:HDBFS: 4.30
Joel Greenblatt's definition of earnings yield has the same problems the regular earnings yield does. It does not consider the growth of the company. It only looks at one-year's business operation. For cyclical companies, the earnings yield is usually highest at the peak of the business cycle. But these earnings are rarely sustainable.
A better indicator of the attractiveness of an investment which takes growth into account is the Forward Rate of Return (Yacktman) %. HDB Financial Services's Forward Rate of Return (Yacktman) % for the quarter that ended in Jun. 2026 was 0.00%. The Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
Joel Greenblatt defines the earnings yield using the above equation because it more accurately reflects the company's profitability relative to its stock price. Items like interest payment and tax etc. are not directly related to the company's operational profitability.
Enterprise Value instead of market cap (share price) is used in the calculation because it is the real price stock and bond investors together pay for the company.
Be Aware
Joel Greenblatt's definition of earnings yield has the same problems the regular earnings yield does. It does not consider the growth of the company. It only looks at one-year's business operation. For cyclical companies, the earnings yield is usually highest at the peak of the business cycle. But these earnings are rarely sustainable.
HDB Financial Services Earnings Yield (Joel Greenblatt) % Related Terms
HDB Financial Services Earnings Yield (Joel Greenblatt) % Historical Data
* Premium members only.
The historical data trend for HDB Financial Services's Earnings Yield (Joel Greenblatt) % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, HDB Financial Services's Earnings Yield (Joel Greenblatt) %, along with its competitors' market caps and Earnings Yield (Joel Greenblatt) % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
HDB Financial Services Earnings Yield (Joel Greenblatt) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, HDB Financial Services's Earnings Yield (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where HDB Financial Services's Earnings Yield (Joel Greenblatt) % falls into.
In his book, The Little That Beat the Market, hedge fund manager Joel Greenblatt defines Earnings Yield as operating income divided by enterprise value.
HDB Financial Servicess Earnings Yield (Joel Greenblatt) for the fiscal year that ended in Mar. 2026 is calculated as
HDB Financial Services's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹65,122 Mil.
What does a Earnings Yield (Joel Greenblatt) % of 10.47% mean?
HDB Financial Services (NSE:HDBFS) has a Earnings Yield (Joel Greenblatt) % of 10.47% as of Jun. 2026. Joel Greenblatt's earnings yield equals the ratio of earnings before interest and taxes to enterprise value. View historical data on HDB Financial Services and its competitors. This is 33% above median its historical median of 7.87. Over the past decade, HDB Financial Services' Earnings Yield (Joel Greenblatt) % has ranged from 3.73 to 11.79. According to the industry distribution chart, HDB Financial Services ranks #154 out of 547 companies in the Credit Services industry, placing it in the top 28.2%.
Is HDB Financial Services' Earnings Yield (Joel Greenblatt) % too high?
HDB Financial Services' current Earnings Yield (Joel Greenblatt) % of 10.47% is 33% above median its 10-year median of 7.87. Over the past 10 years, this metric has ranged from a low of 3.73 to a high of 11.79. The Credit Services industry median Earnings Yield (Joel Greenblatt) % is 1.11. HDB Financial Services' value of 10.47% is 843.2% above this industry median. Based on the distribution chart, HDB Financial Services ranks #154 out of 547 companies in the Credit Services industry, which is above the industry midpoint. Overall, HDB Financial Services has a GF Score™ of 9/100, reflecting its overall financial health beyond just this single metric.
How does HDB Financial Services' Earnings Yield (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, HDB Financial Services ranks #154 out of 547 companies for Earnings Yield (Joel Greenblatt) %. This puts HDB Financial Services in the upper half of its industry. The industry median Earnings Yield (Joel Greenblatt) % is 1.11. HDB Financial Services' value of 10.47% is 843.2% above this benchmark. Historically, HDB Financial Services' own Earnings Yield (Joel Greenblatt) % has ranged from 3.73 to 11.79 over the past decade. While the company's 10-year median is 7.87 vs. the industry median of 1.11, HDB Financial Services has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings Yield (Joel Greenblatt) % for a Credit Services company?
The median Earnings Yield (Joel Greenblatt) % among Credit Services companies is 1.11, based on 547 companies in the industry. Companies in the top quartile (top 25%) have a Earnings Yield (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, Earnings Yield (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. HDB Financial Services's current Earnings Yield (Joel Greenblatt) % of 10.47% is 843.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Earnings Yield (Joel Greenblatt) % mean?
A high Earnings Yield (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's earnings yield equals the ratio of earnings before interest and taxes to enterprise value. View historical data on HDB Financial Services and its competitors. For the Credit Services industry, the median Earnings Yield (Joel Greenblatt) % is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HDB Financial Services's current Earnings Yield (Joel Greenblatt) % is 10.47%, which is 33% above median its own 10-year median of 7.87. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is HDB Financial Services stock overvalued right now?
HDB Financial Services (NSE:HDBFS) has a current Earnings Yield (Joel Greenblatt) % of 10.47%. The current Earnings Yield (Joel Greenblatt) % is 10.47%, which is 33% above median its 10-year median of 7.87 and 843.2% above the Credit Services industry median of 1.11. HDB Financial Services' overall GF Score™ is 9/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings Yield (Joel Greenblatt) % calculated?
Earnings Yield (Joel Greenblatt) % is calculated from a company's financial statements. For HDB Financial Services (NSE:HDBFS), the current Earnings Yield (Joel Greenblatt) % is 10.47% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
HDB Financial Services Ltd is a non-banking finance company that provides lending services and business process outsourcing. The company also offers services related to the marketing and promotion of various financial products. Additionally, it provides BPO services that encompass back-office services such as form processing, document verification, finance and accounting services, and correspondence management, as well as front-office services including contact center management, outbound marketing, and collection services. The company's operating segments are: Lending services and BPO services. The majority of its revenue is generated from the Lending services segment, which includes providing finance to retail customers for a variety of purposes. Its operations are concentrated in India.
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