HDB Financial Services Limited (HDBFS) announced its unaudited financial results for the quarter and nine-months ended December 31, 2025, following a Board of Directors meeting held on January 14, 2026. The company reported a significant increase in profitability, with Profit After Tax (PAT) for the quarter rising by 36.3% to ₹644 crore, up from ₹472 crore in the same period last year. For the nine-month period ended December 31, 2025, PAT increased by 9.0% to ₹1,793 crore from ₹1,645 crore in the corresponding period of the previous year.

The company's Asset Under Management (AUM) grew by 12.0% to ₹1,14,853 crore as of December 31, 2025, compared to ₹1,02,514 crore as of December 31, 2024. Total Gross Loans also saw a healthy growth of 12.2%, reaching ₹1,14,577 crore from ₹1,02,097 crore year-on-year. Net interest income for the quarter increased by 22.1% to ₹2,285 crore, and net total income rose by 18.8% to ₹2,970 crore. Pre-provisioning operating profit showed a strong increase of 23.2% to ₹1,573 crore. Loan losses and provisions increased by 12.0% to ₹712 crore. Profit Before Tax (PBT) for the quarter grew by 34.3% to ₹860 crore.

Key financial ratios indicate positive performance, with Net Interest Margin increasing to 8.1% and Return on Average Assets (annualised) rising to 2.2%. Earnings Per Share (EPS) for the quarter stood at ₹7.8. The company noted that employee benefit expense includes a provision of ₹61 crore on account of new labor codes, with ₹56 crore pertaining to the lending business. Gross Stage 3 loans stood at 2.81% and Net Stage 3 loans at 1.25% as of December 31, 2025.