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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
HDB Financial Services
HDB Financial Services (HDBFS) investor relations material
HDB Financial Services Q2 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 26/27 earnings summary14 Oct, 2026
Executive summary
Q2 FY27 gross loan book reached ₹1,24,469 crore, up 11.7% YoY; customer franchise grew 18.4% to 24.8 million.
Disbursements were ₹18,522 crore, up 18.7% YoY; PAT was ₹7,802 million, up 34.2% YoY and down 0.6% QoQ.
Secured loans were 74% of the gross loan book; annualized ROA was 2.42%, ROE 14.4%, and CRAR 21.37%.
Financial highlights
Q2 FY27 NII was ₹2,534 crore, up 15.6% YoY and 1.0% QoQ; net income was ₹2,891 crore, up 14.2% YoY.
PPOP was ₹1,756 crore, up 16.9% YoY; credit cost was ₹730 crore, down 2.5% YoY and up 4.7% QoQ.
Q2 revenue from operations was ₹50,053 million versus ₹45,454 million; PBT was ₹10,437 million versus ₹7,822 million.
H1 FY27 revenue was ₹99,432 million and net profit ₹15,654 million; H1 impairment was ₹14,270 million and finance costs ₹35,704 million.
Outlook and guidance
Management expects disbursement growth to improve through Q3–Q4, with Q4 potentially signaling a move toward 17%–18% growth.
NIM guidance is 8.2%+ near term and 8%+ longer term; management aims to keep NIM near Q2 levels and calibrate asset repricing against funding costs.
Medium-term credit cost guidance is 2.3% +/-; annualized ROA target is 2.5% in the short to medium term.
FY27+ roadmap targets AI processing of 500K documents/day, 1.2x sales productivity and 10% conversion uplift; FY29+ targets include 50% productivity improvement and 20 bps lower credit cost.
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Latest events from HDB Financial Services
- AUM grew 28.75%, profit rose 25.59% and GNPA improved to 1.90%.HDBFS
Q4 23/24 - FY23 PAT reached ₹1,959.35 crore as credit quality improved.HDBFSQ4 22/23
- PAT more than doubled as lending grew, with credit quality still a key watchpoint.HDBFSQ4 21/22
- Revenue rose modestly, but higher credit costs drove a steep FY21 profit decline.HDBFSQ4 20/21
- Profit, loan book, and asset quality improved; digital and ESG focus supports growth.HDBFSQ1 26/27
- Q4 FY26 PAT surged 41.4% as loan book and customer base expanded, with improved asset quality.HDBFSQ4 25/26
- Record disbursements, strong profit growth, and robust asset quality mark Q3 FY26.HDBFSQ3 25/26
- Gross loans up 13% YoY, NIM at 7.9%, and asset quality pressured as NPA rises to 2.81%.HDBFSQ2 25/26
- Loan growth strong, NIM expands, but asset quality stress and higher capital adequacy noted.HDBFSQ1 25/26
Next HDB Financial Services earnings date
Q3 26/2713 Jan, 2027
HDB Financial Services
Next HDB Financial Services earnings date
Q3 26/2713 Jan, 2027
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