HB Stockholdings Ltd.
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ABOUT
AI Sector View
AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
- Comfortable capital adequacy - CAR of 95.7%
- Asset quality is healthy - gross NPA of just 0.0%
CONS
- Company is loss-making at the operating / net level
- Company has a low return on equity of 6.4% over last 3 years
- Company has a low return on capital employed of 9.1%
- Company's sales have been declining over the last five years
- Operating margins have contracted to -140.8% from -60.5%
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | 1034.20 | 31.71 | 643888.19 | 0.58 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| SHRIRAMFIN | 1028.00 | 21.37 | 241893.03 | 1.05 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| CHOLAFIN | 1845.00 | 27.40 | 157575.18 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| TATACAP | 362.80 | 28.50 | 154003.85 | 0.16 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| JIOFIN | 230.00 | 73.49 | 151872.26 | 0.26 | 830.25 | 155.73 | 2004.47 | 227.28 | 2.11 | 69.71 |
| BAJAJHLDNG | 11120.70 | 13.97 | 123766.17 | 1.75 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| MUTHOOTFIN | 2794.40 | 9.86 | 112186.35 | 1.07 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| ABCAPITAL | 398.60 | 26.59 | 109118.68 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| LTF | 309.50 | 24.37 | 77571.61 | 0.89 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| SBICARD | 656.05 | 27.44 | 62432.55 | 0.38 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| HDBFS | 668.65 | 25.53 | 55549.10 | 0.60 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| HBSL | 54.36 | 0.00 | 38.80 | 0.00 | 7.95 | 6.63 | 10.09 | -0.11 | -11.88 | 89.38 |
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 10 | 13 | 15 | 6 | 10 | 1 | 0 | 0 | 10 | 0 | 0 | 0 | 10 | |
| 0 | 1 | 1 | 1 | 1 | 1 | 13 | 7 | 1 | 5 | 5 | 12 | 1 | |
| Operating Profit | 10 | 12 | 15 | 5 | 9 | 1 | -12 | -7 | 9 | -5 | -4 | -11 | 9 |
| OPM % | 95.18% | 92.14% | 96.37% | 87.11% | 91.82% | 64.34% | -3881.25% | -2457.14% | 89.21% | -1192.68% | -1234.38% | -3188.89% | 89.38% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 10 | 12 | 14 | 5 | 9 | 1 | -13 | -7 | 9 | -5 | -4 | -12 | 9 | |
| Tax % | 0.00% | 10.70% | 12.14% | 12.32% | 28.96% | 81.69% | 8.92% | 4.02% | 13.15% | 11.71% | 12.82% | 16.27% | 8.39% |
| Net Profit | 0 | 0 | 0 | 0 | 6 | 0 | -11 | -7 | 7 | -5 | -4 | -10 | 8 |
| 14 | 15 | 18 | 6 | 9 | 0 | -16 | -10 | 10 | -6 | -5 | -14 | 1 |
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 15 | 5 | 3 | 2 | 13 | 18 | 3 | 44 | 13 | 8 | 11 | |
| 3 | 5 | 9 | 9 | 1 | 2 | 7 | 3 | 24 | 19 | 24 | |
| Operating Profit | 12 | 0 | -5 | -7 | 12 | 16 | -4 | 42 | -10 | -11 | -13 |
| OPM % | 78.99% | 1.61% | -154.77% | -371.74% | 90.04% | 89.87% | -147.18% | 93.70% | -77.26% | -140.82% | -114.06% |
| 0 | 0 | 0 | 0 | 0 | 0 | 3 | 0 | 1 | 0 | 0 | |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before Tax | 12 | -0 | -6 | -7 | 12 | 16 | -2 | 41 | -10 | -13 | -13 |
| Tax % | 11.45% | -322.20% | -3.86% | -0.08% | -0.26% | 3.44% | 4.75% | 8.83% | -17.55% | 15.28% | 18.62% |
| Net Profit | 11 | -1 | -6 | -7 | 12 | 15 | -2 | 38 | -12 | -11 | -10 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 | 16.47 | 21.28 | -2.82 | 52.59 | -16.83 | -15.16 | — |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 4.70% | -35.46% | 2.85% | -5.94% | 0.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- 4%
- 5 Years:
- -9%
- 3 Years:
- 39%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- 6%
- 3 Years:
- -1%
- 1 Year:
- -29%
RETURN ON EQUITY
- 10 Years:
- 4%
- 5 Years:
- 8%
- 3 Years:
- 6%
- Last Year:
- -13%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 24 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 |
| 125 | 36 | 30 | 23 | 45 | 61 | 58 | 95 | 82 | 71 | |
| 0 | 1 | 1 | 0 | 0 | 0 | 1 | 1 | 14 | 11 | |
| 7 | 30 | 2 | 2 | 5 | 3 | 2 | 6 | 4 | 2 | |
| Total Liabilities | 157 | 74 | 40 | 33 | 58 | 71 | 68 | 110 | 107 | 91 |
| 0 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 1 | 1 | |
| 112 | 24 | 13 | 8 | 46 | 47 | 45 | 82 | 83 | 65 | |
| Cash & Bank | 4 | 1 | 2 | 1 | 1 | 4 | 1 | 3 | 8 | 1 |
| 39 | 48 | 23 | 23 | 11 | 19 | 21 | 23 | 15 | 24 | |
| Total Assets | 157 | 74 | 40 | 33 | 58 | 71 | 68 | 110 | 107 | 91 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 4 | -3 | 2 | -1 | 5 | -12 | -2 | 33 | -5 | 0 | |
| Cash from Investing | 0 | -1 | -0 | -0 | -4 | 15 | -1 | -31 | -2 | 0 |
| Cash from Financing | 0 | 1 | -0 | -0 | -0 | -0 | 1 | -0 | 12 | 0 |
| 3 | -3 | 1 | -2 | 1 | 3 | -4 | 2 | 5 | 0 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-08-27 - HB Stockholdings Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on August 27, 2026. Further, the company has submitted the Exchange a copy of Srutinizers report along with voting results.
2026-08-05 - HB Stockholdings Limited has informed the Exchange about the Letter sent to shareholder to access the Annual report and reminder to update KYC against physcial shareholding
2026-08-04 - HB Stockholdings Limited has informed the Exchange about Copy of Newspaper Publication of the Extract of Un-audited Financial Results (Standalone and Consolidated) for the Quarter ended 30th June, 2026
2026-08-03 - HB Stockholdings Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
2026-07-31 - HB Stockholdings Limited has informed the Exchange about Copy of Newspaper Publication
2026-07-30 - HB Stockholdings Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on August 27, 2026
2026-07-29 - HB Stockholdings Limited has informed the Exchange about Copies of newspaper publication providing information of the 39th Annual General Meeting of the Company
2026-07-22 - HB Stockholdings Limited has informed the Exchange about Update on 39th Annual General Meeting
2026-07-04 - HB Stockholdings Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018
News
Recent coverage and analyst commentary for HBSL
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HB Stockholdings Ltd.
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