HDB Financial Services (NSE:HDBFS) LT-Debt-to-Total-Asset: 0.53 (As of Mar. 2026)


NSE:HDBFS HDB Financial Services Ltd NSE:HDBFS
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What is HDB Financial Services LT-Debt-to-Total-Asset?

HDB Financial Services NSE:HDBFS -1.63% 9 LT-Debt-to-Total-Asset is 0.53 as of Mar. 2026. GuruFocus rates NSE:HDBFS with a GF Score™ of 9/100. The stock has 3 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. HDB Financial Services's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.53.

HDB Financial Services's long-term debt to total assets ratio increased from Dec. 2024 (0.00) to Mar. 2026 (0.53). It may suggest that HDB Financial Services is progressively becoming more dependent on debt to grow their business.

HDB Financial Services  (NSE:HDBFS) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

HDB Financial Services LT-Debt-to-Total-Asset Related Terms

HDB Financial Services LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for HDB Financial Services's LT-Debt-to-Total-Asset 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.

HDB Financial Services LT-Debt-to-Total-Asset Chart

HDB Financial Services Annual Data
Trend Mar23 Mar24 Mar25 Mar26
LT-Debt-to-Total-Asset
0.51 0.53 0.47 0.53

HDB Financial Services Quarterly Data
Mar23 Mar24 Sep24 Dec24 Mar25 Sep25 Dec25 Mar26
LT-Debt-to-Total-Asset Get a 7-Day Free Trial 0.00 0.47 0.73 0.00 0.53
NSE:HDBFS
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HDB Financial Services Ltd NSE:HDBFS
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HDB Financial Services LT-Debt-to-Total-Asset Calculation

HDB Financial Services's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (A: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (A: Mar. 2026 )/Total Assets (A: Mar. 2026 )
=649972.8/1236514.8
=0.53

HDB Financial Services's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )/Total Assets (Q: Mar. 2026 )
=649972.8/1236514.8
=0.53

* 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.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.53 mean?
HDB Financial Services (NSE:HDBFS) has a LT-Debt-to-Total-Asset of 0.53 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on HDB Financial Services and its competitors.
Is HDB Financial Services' LT-Debt-to-Total-Asset too high?
HDB Financial Services' current LT-Debt-to-Total-Asset is 0.53. 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' LT-Debt-to-Total-Asset compare to V and MA?
HDB Financial Services' LT-Debt-to-Total-Asset of 0.53 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good LT-Debt-to-Total-Asset for a Credit Services company?
A good LT-Debt-to-Total-Asset depends on the Credit Services industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on HDB Financial Services and its competitors. HDB Financial Services's current LT-Debt-to-Total-Asset is 0.53. 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 LT-Debt-to-Total-Asset of 0.53. The current LT-Debt-to-Total-Asset is 0.53. 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 LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For HDB Financial Services (NSE:HDBFS), the current LT-Debt-to-Total-Asset is 0.53 as of Mar. 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 Business Description

Other Exchanges 544429:India
Address Tukaram Sandam Marg, A-Subhash Road, HDB House, Vile Parle (East), Navpada, Mumbai, MH, IND, 400057
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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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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