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Author(s):

K. Ragavi | Dr. S. Prakash | Dr. S. Senthil Kumar
Keywords:

Financial Performance, HDB Financial Services, NBFC, Ratio Analysis, Liquidity, Profitability, Solvency, Trend Analysis, Financial Management, Operational Efficiency.
Abstract:
Financial Performance Analysis Plays An Important Role In Evaluating The Financial Strength And Operational Efficiency Of An Organization. The Present Study Focuses On Analyzing The Overall Financial Performance Of HDB Financial Services, One Of The Leading Non-Banking Financial Companies (NBFCs) In India. The Study Aims To Evaluate The Liquidity, Profitability, Solvency, And Operational Efficiency Of The Company Using Various Financial Analysis Tools. Secondary Data Has Been Collected From Annual Reports And Financial Statements For The Period From 2020–2021 To 2024–2025. Ratio Analysis And Trend Analysis Were Used To Interpret The Financial Position Of The Organization. The Study Identified Improvements In Liquidity Position And Asset Utilization, While Profitability Remained Comparatively Low During The Study Period. The Debt-equity Ratio Showed A Decreasing Trend, Indicating Better Financial Stability. The Research Also Highlights The Importance Of Proper Financial Planning And Management For Achieving Long-term Growth. Finally, Suitable Suggestions Have Been Provided To Improve Profitability, Liquidity Management, And Operational Efficiency.