HDB FINANCIAL SERVICES L Fair Value
HDBFS · Financial Services · Current price ₹676.3
| Method | Fair value | Status |
|---|---|---|
| Excess-return (book value) | ₹248 | 12% ROE fading to 13% over ~3 yrs, on ₹249 book |
| Relative P/E | ₹892 | EPS × 29.1 peer-median P/E |
| Graham floor | — | Not meaningful for financials |
| Analyst target | ₹826 | Street consensus 12-month target price |
Is HDB FINANCIAL SERVICES L undervalued?
DocStoX estimates the fair value of HDB FINANCIAL SERVICES L at ₹494 per share, versus the current market price of ₹676. That puts the stock about -26.9% above our fair-value estimate, which we read as "Expensive". Our confidence in this estimate is low.
How this fair value is calculated
This estimate blends 3 independent methods: Excess-return (book value) (₹248), Relative P/E (₹892), Analyst target (₹826). We weight each by its reliability and skip any method whose inputs look untrustworthy — "no DCF beats a wrong DCF". This is the same deterministic engine that powers DocStoX stock pages; there is no guesswork or AI-generated number here.
Bear, base and bull scenarios
Our scenarios span ₹248 (bear) to ₹494 (base) to ₹892 (bull). A margin of safety means buying meaningfully below the base case — the wider the gap, the more room for error in the assumptions.
More on HDB FINANCIAL SERVICES L
DocStoX estimates are generated by a deterministic valuation engine from reported financials — for informational purposes only, not investment advice. Consult a SEBI-registered advisor before investing.