By BullScreen Editorial Team 
HDB Financial Services reported a strong set of Q4 FY26 earnings, with net profit rising 41.38% year-on-year to ₹750.6 crore, compared to ₹530.9 crore in the same quarter last year, driven by steady loan growth and margin expansion.
Net interest income (NII) grew 21.6% YoY to ₹2,399 crore, while net interest margin (NIM) improved to 8.2% from 7.6% a year ago, indicating better yield management. The company’s total income rose 17.1% YoY to ₹3,063 crore, reflecting healthy operational momentum.
The NBFC’s assets under management (AUM) increased 10.7% YoY to ₹1.19 lakh crore as of March 31, 2026, while its gross loan book grew 10.9% to ₹1.18 lakh crore. The portfolio remained diversified, with asset finance and enterprise lending each contributing 38%, and consumer finance accounting for 24%.
Disbursements during the quarter stood at ₹19,922 crore, up 12.9% YoY, while the customer base expanded to 22.9 million, marking a 19.7% annual increase. The company reported an annualized return on assets (RoA) of 2.48% for the quarter.
The board recommended a final dividend of ₹2 per share and approved plans to raise up to ₹32,824.72 crore via debt securities, subject to shareholder approval at the upcoming AGM.
Shares of the company closed 4.8% higher at ₹644.30 on the National Stock Exchange ahead of the announcement, giving it a market capitalization of ₹53,684.81 crore.
The earnings highlight continued strength in the NBFC sector, supported by stable credit demand and improving profitability metrics.