HDB Financial Services Limited — Q3 FY26
HDB Financial Services reported a strong Q3 FY26 with PAT of ₹686 crore (ex-labor code impact), up 18% YoY, driven by record disbursements of ₹17,917 crore (+15% QoQ) and NIM ex...
bullish
high
Financial stats pending filing verification
Indian management teams deliver on roughly 12% of specific earnings-call promises. A low score does not indicate dishonesty — it reflects how aspirational forward guidance typically is.
Q2 FY26
Medium-term credit cost target of ~2.2%
Management expects credit cost to normalize from Q3 onwards towards the 2.2% medium-term target, down from current 2.7%.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q2 FY26
NIM sweet spot of 7.9-8%
Management aims to maintain NIM in the 7.9-8% range, balancing yield and cost of funds pressures.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q2 FY26
Cost-to-assets target of 3.6-3.7%
Management targets cost-to-assets ratio between 3.6% and 3.7% as it continues to invest and grow.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1