HDB Financial ServicesNSE:HDBFS +0.93%22 PS Ratio is 4.46 as of Jul. 05, 2026, which is 5% below its 10-year median of 4.69. GuruFocus rates NSE:HDBFS with a GF Score™ of 22/100. The stock has 3 warning signs investors should review. Among 519 Credit Services companies, HDB Financial Services ranks worse than 65.7% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, HDB Financial Services's share price is ₹747.05.
HDB Financial Services's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was ₹167.45. Hence, HDB Financial Services's PS Ratio for today is 4.46.
Good Sign:
HDB Financial Services Ltd stock PS Ratio (=3.39) is close to 2-year low of 3.39.
The historical rank and industry rank for HDB Financial Services's PS Ratio or its related term are showing as below:
NSE:HDBFS'
s PS Ratio Range Over the Past 10 Years
Min: 3.46 Med: 4.69 Max: 5.66
Current: 4.46
During the past 4 years, HDB Financial Services's highest PS Ratio was 5.66. The lowest was 3.46. And the median was 4.69.
NSE:HDBFS's PS Ratio is ranked worse than 65.7% of 519
companies
in the Credit Services industry
Industry Median: 2.91
vs NSE:HDBFS: 4.46
During the past 4 years, HDB Financial Services's highest 3-Year average Revenue per Share Growth Rate was 14.30% per year. The lowest was 14.30% per year. And the median was 14.30% per year.
Back to Basics: PS Ratio
HDB Financial Services (NSE:HDBFS) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
* 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 PS Ratio, along with its competitors' market caps and PS Ratio 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 PS Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, HDB Financial Services's PS Ratio distribution charts can be found below:
* The bar in red indicates where HDB Financial Services's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
HDB Financial Services's Share Price of today is ₹747.05. HDB Financial Services's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹167.45.
* 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.
It can also be calculated from the numbers for the whole company:
HDB Financial Services (NSE:HDBFS) has a PS Ratio of 4.46 as of Jul. 05, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on HDB Financial Services and its competitors. This is near median its historical median of 4.69. Over the past decade, HDB Financial Services' PS Ratio has ranged from 3.46 to 5.66. According to the industry distribution chart, HDB Financial Services ranks #341 out of 519 companies in the Credit Services industry, placing it in the top 65.7%.
Is HDB Financial Services' PS Ratio too high?
HDB Financial Services' current PS Ratio of 4.46 is near median its 10-year median of 4.69. Over the past 10 years, this metric has ranged from a low of 3.46 to a high of 5.66. The Credit Services industry median PS Ratio is 2.91. HDB Financial Services' value of 4.46 is 53.3% above this industry median. Based on the distribution chart, HDB Financial Services ranks #341 out of 519 companies in the Credit Services industry, which is below the industry midpoint. Overall, HDB Financial Services has a GF Score™ of 22/100, reflecting its overall financial health beyond just this single metric.
How does HDB Financial Services' PS Ratio compare to V and MA?
According to the Credit Services industry distribution chart, HDB Financial Services ranks #341 out of 519 companies for PS Ratio. This places HDB Financial Services in the lower half of its industry. The industry median PS Ratio is 2.91. HDB Financial Services' value of 4.46 is 53.3% above this benchmark. Historically, HDB Financial Services' own PS Ratio has ranged from 3.46 to 5.66 over the past decade. While the company's 10-year median is 4.69 vs. the industry median of 2.91, 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 PS Ratio for a Credit Services company?
The median PS Ratio among Credit Services companies is 2.91, based on 519 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. HDB Financial Services's current PS Ratio of 4.46 is 53.3% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on HDB Financial Services and its competitors. For the Credit Services industry, the median PS Ratio is 2.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HDB Financial Services's current PS Ratio is 4.46, which is near median its own 10-year median of 4.69. 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 PS Ratio of 4.46. The current PS Ratio is 4.46, which is near median its 10-year median of 4.69 and 53.3% above the Credit Services industry median of 2.91. HDB Financial Services' overall GF Score™ is 22/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For HDB Financial Services (NSE:HDBFS), the current PS Ratio is 4.46 as of Jul. 05, 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.
22GF Score
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