HDB Financial Services (NSE:HDBFS) ROCE %: 7.75% (As of Mar. 2026)


NSE:HDBFS HDB Financial Services Ltd NSE:HDBFS
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What is HDB Financial Services ROCE %?

HDB Financial Services NSE:HDBFS +1.88% 9 ROCE % is 7.75% as of Mar. 2026. GuruFocus rates NSE:HDBFS with a GF Score™ of 9/100. The stock has 3 warning signs investors should review.

ROCE % measures how well a company generates profits from its capital. It is calculated as EBIT divided by Capital Employed, where Capital Employed is calculated as Total Assets minus Total Current Liabilities. HDB Financial Services's annualized ROCE % for the quarter that ended in Mar. 2026 was 7.75%.

HDB Financial Services  (NSE:HDBFS) ROCE % Explanation

ROCE % can be especially useful when comparing the performance of capital-intensive companies. Unlike ROE %, which indicates the profitability of Shareholders Equity, ROCE % also considers long-term debt in Capital Employed. This can be helpful when analyzing companies with significant debt, as the result is neutralized by taking debt into consideration.

Generally speaking, a higher ROCE % indicates a stonger profitability for a company. Moreover, it is important to look at the ratio from a long term perspective. Investors tend to favor companies with stable and rising ROCE % trend over those with volatile ones.

HDB Financial Services ROCE % Related Terms

HDB Financial Services ROCE % Historical Data

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The historical data trend for HDB Financial Services's ROCE % 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 ROCE % Chart

HDB Financial Services Annual Data
Trend Mar23 Mar24 Mar25 Mar26
ROCE %
9.87 11.09 9.92 8.86

HDB Financial Services Quarterly Data
Mar23 Mar24 Sep24 Dec24 Mar25 Sep25 Dec25 Mar26
ROCE % Get a 7-Day Free Trial 0.00 7.90 6.67 5.47 7.75
NSE:HDBFS
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HDB Financial Services Ltd NSE:HDBFS
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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HDB Financial Services ROCE % Calculation

HDB Financial Services's annualized ROCE % for the fiscal year that ended in Mar. 2026 is calculated as:

ROCE %=EBIT/( (Capital Employed+Capital Employed)/ count )
(A: Mar. 2026 )  (A: Mar. 2025 )(A: Mar. 2026 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(A: Mar. 2026 )  (A: Mar. 2025 )(A: Mar. 2026 )
=68531.3/( ( (1086632.9 - 412529.4) + (1236514.8 - 364406.5) )/ 2 )
=68531.3/( (674103.5+872108.3)/ 2 )
=68531.3/773105.9
=8.86 %

HDB Financial Services's ROCE % of for the quarter that ended in Mar. 2026 is calculated as:

ROCE %=EBIT (1)/( (Capital Employed+Capital Employed)/ count )
(Q: Mar. 2026 )  (Q: Dec. 2025 )(Q: Mar. 2026 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(Q: Mar. 2026 )  (Q: Dec. 2025 )(Q: Mar. 2026 )
=67560/( ( (0 - 0) + (1236514.8 - 364406.5) )/ 1 )
=67560/( ( 0 + 872108.3 )/ 1 )
=67560/872108.3
=7.75 %

(1) Note: The EBIT data used here is four times the quarterly (Mar. 2026) EBIT data.

* 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 ROCE % →
What does a ROCE % of 7.75% mean?
HDB Financial Services (NSE:HDBFS) has a ROCE % of 7.75% as of Mar. 2026.
Is HDB Financial Services' ROCE % too high?
HDB Financial Services' current ROCE % is 7.75%. The Credit Services industry median ROCE % is 3.39. HDB Financial Services' value of 7.75% is 128.6% above this industry median. 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' ROCE % compare to V and MA?
HDB Financial Services' ROCE % of 7.75% can be compared against companies in the Credit Services industry. The industry median ROCE % is 3.39. HDB Financial Services' value of 7.75% is 128.6% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Credit Services company?
The median ROCE % among Credit Services companies is 3.39, based on 417 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. HDB Financial Services's current ROCE % of 7.75% is 128.6% 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median ROCE % is 3.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HDB Financial Services's current ROCE % is 7.75%. 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 ROCE % of 7.75%. The current ROCE % is 7.75% and 128.6% above the Credit Services industry median of 3.39. 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 ROCE % calculated?
ROCE % is calculated from a company's financial statements. For HDB Financial Services (NSE:HDBFS), the current ROCE % is 7.75% 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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ROCE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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