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HDB Financial ServicesNSE:HDBFS -2.63%9 Interest Coverage is No Debt (1) as of Jun. 2026, which is 100% below its 10-year median of 2.61. GuruFocus rates NSE:HDBFS with a GF Score™ of 9/100. The stock has 4 warning signs investors should review. Among 164 Credit Services companies, HDB Financial Services ranks worse than 609755.49% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. HDB Financial Services's
Operating Income
for the
three
months ended in Jun. 2026 was ₹17,405 Mil. HDB Financial Services's Interest Expense for the
three
months ended in Jun. 2026 was ₹0 Mil.
HDB Financial Services has no debt.
The higher the ratio, the stronger the company's financial strength is.
(1) Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
The historical rank and industry rank for HDB Financial Services's Interest Coverage or its related term are showing as below:
NSE:HDBFS's Interest Coverage is not ranked *
in the Credit Services industry.
Industry Median: 51.6 * Ranked among companies with meaningful Interest Coverage only.
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
HDB Financial Services Interest Coverage Related Terms
HDB Financial Services Interest Coverage Historical Data
* Premium members only.
The historical data trend for HDB Financial Services's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
NSE:HDBFS vs V, MA, AXP: Interest Coverage Comparison
For the Credit Services subindustry, HDB Financial Services's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, HDB Financial Services's Interest Coverage distribution charts can be found below:
* The bar in red indicates where HDB Financial Services's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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.
What does a Interest Coverage of No Debt <sup>(1)</sup> mean?
HDB Financial Services (NSE:HDBFS) has a Interest Coverage of No Debt (1) as of Jun. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on HDB Financial Services and its competitors. This is 62% below median its historical median of 2.61. Over the past decade, HDB Financial Services' Interest Coverage has ranged from 2.38 to 2.89. According to the industry distribution chart, HDB Financial Services ranks #999999 out of 164 companies in the Credit Services industry.
Is HDB Financial Services' Interest Coverage too high?
HDB Financial Services' current Interest Coverage of No Debt (1) is 62% below median its 10-year median of 2.61. Over the past 10 years, this metric has ranged from a low of 2.38 to a high of 2.89. Based on the distribution chart, HDB Financial Services ranks #999999 out of 164 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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' Interest Coverage compare to V and MA?
According to the Credit Services industry distribution chart, HDB Financial Services ranks #999999 out of 164 companies for Interest Coverage. This places HDB Financial Services in the lower half of its industry. The industry median Interest Coverage is 51.60. Historically, HDB Financial Services' own Interest Coverage has ranged from 2.38 to 2.89 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Coverage for a Credit Services company?
The median Interest Coverage among Credit Services companies is 51.60, based on 164 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on HDB Financial Services and its competitors. For the Credit Services industry, the median Interest Coverage is 51.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HDB Financial Services's current Interest Coverage is No Debt (1), which is 62% below median its own 10-year median of 2.61. 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 Interest Coverage of No Debt (1). The current Interest Coverage is No Debt (1), which is 62% below median its 10-year median of 2.61. HDB Financial Services' overall GF Score™ is 9/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For HDB Financial Services (NSE:HDBFS), the current Interest Coverage is No Debt (1) 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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