HDB Financial ServicesNSE:HDBFS +2.80%9 Net Debt Paydown Yield % is -3.23% as of Jul. 11, 2026. GuruFocus rates NSE:HDBFS with a GF Score™ of 9/100. The stock has 3 warning signs investors should review. Among 471 Credit Services companies, HDB Financial Services ranks better than 53.5% on this metric.
Net Debt Paydown Yield % is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. It is a measure of a company's willingness and ability to reduce its debt.
As of today, HDB Financial Services's Net Debt Paydown Yield % was -3.23%.
HDB Financial Services (NSE:HDBFS) Net Debt Paydown Yield % Explanation
Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced. In other words, it is a measure of the willingness and ability of a firm's management to pay down debt. Companies that have high debt paydown yields indicate that they are more aggressive with paying down debt.
In the calculation of Net Debt Paydown Yield %, we use the reductions of TTM average total debt one-year-ago and TTM average total debt at present, divided by its Market Cap.
HDB Financial Services Net Debt Paydown Yield % Related Terms
HDB Financial Services Net Debt Paydown Yield % Historical Data
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The historical data trend for HDB Financial Services's Net Debt Paydown Yield % 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 Net Debt Paydown Yield % Chart
NSE:HDBFS vs V, MA, AXP: Net Debt Paydown Yield % Comparison
For the Credit Services subindustry, HDB Financial Services's Net Debt Paydown Yield %, along with its competitors' market caps and Net Debt Paydown Yield % 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 Net Debt Paydown Yield % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, HDB Financial Services's Net Debt Paydown Yield % distribution charts can be found below:
* The bar in red indicates where HDB Financial Services's Net Debt Paydown Yield % falls into.
* 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.
* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Net Debt Paydown Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.
What does a Net Debt Paydown Yield % of -3.23% mean?
HDB Financial Services (NSE:HDBFS) has a Net Debt Paydown Yield % of -3.23% as of Jul. 11, 2026. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on HDB Financial Services and its competitors. According to the industry distribution chart, HDB Financial Services ranks #219 out of 471 companies in the Credit Services industry, placing it in the top 46.5%.
Is HDB Financial Services' Net Debt Paydown Yield % too high?
HDB Financial Services' current Net Debt Paydown Yield % is -3.23%. Based on the distribution chart, HDB Financial Services ranks #219 out of 471 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' Net Debt Paydown Yield % compare to V and MA?
According to the Credit Services industry distribution chart, HDB Financial Services ranks #219 out of 471 companies for Net Debt Paydown Yield %. This puts HDB Financial Services in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Debt Paydown Yield % for a Credit Services company?
A good Net Debt Paydown Yield % depends on the Credit Services industry context. However, Net Debt Paydown Yield % 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 Net Debt Paydown Yield % mean?
A high Net Debt Paydown Yield % can signal that a stock is expensive relative to its fundamentals. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on HDB Financial Services and its competitors. HDB Financial Services's current Net Debt Paydown Yield % is -3.23%. 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 Net Debt Paydown Yield % of -3.23%. The current Net Debt Paydown Yield % is -3.23%. 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 Net Debt Paydown Yield % calculated?
Net Debt Paydown Yield % is calculated from a company's financial statements. For HDB Financial Services (NSE:HDBFS), the current Net Debt Paydown Yield % is -3.23% as of Jul. 11, 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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