Last Updated2026-06-02

Market View

₹648.7(▼1.72%)

Reporting PeriodQ4 FY26

HDBFSHDBFS Forensic Risk Analysis

Name: HDBFS Structural Risk Analysis
Creator: Flagium AI
License: https://creativecommons.org/licenses/by-nc-nd/4.0/

Non Banking Financial Company (NBFC)

Risk ClassStable

Market Cap₹47,931 Cr

Primary DriverGovernance

Flagium AI Risk Score

0 / 100

0 QoQ

Stable

Sentinel Insight

Asset quality remains stable for now. Pressure has stabilized in governance. This indicates that forensic pressure is currently receding. No major change in risk trend.

0.0th %ile (Sector)Accel: +0 Qtrs

Updated2026-06-02

Market View

₹648.7▼1.72%

PeriodQ4 FY26

Score Waterfall
Absolute contribution points of each forensic pillar to the final risk score. Derived from: Sector Baseline + Active Penalties - Mitigation Buffers.

No active forensic penalties contributing.

Final Composite Risk0 / 100

Investment Risk Thesis

Historical Trend

Current risk score has declined from 0 → 0 over 12 quarters.

Expected Direction

⚠ Watch

Primary Deterioration Drivers

No active triggers

What to Watch Next Quarter

Active Risk Objects (0)

CriticalHigh

Risk Trajectory

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Resilience Matrix

Metric	Value	vs Sector	Signal
Volatility (σ)		4.59	✅ RESILIENT
Sensitivity (ε_s)	1	1.00	✅ RESILIENT
Escalation Prob.	5%	5%	✅ NEUTRAL
Safety Buffer	+66.0	+55.5	✅ RESILIENT

Forensic Benchmark Context: Non Banking Financial Company (NBFC) (n=38 peers)

Correlation Analysis
Visualizing the relationship between stock price movement and structural risk objects.

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Share Price

Risk Score (0-100)

Market Performance

₹648.7(-1.72%)

1M Divergence-0.48%

1 Week-4.56%

1 Month-1.2%

6 Months-13.1%

1 YearN/A

2 Year-14.25%

3 Year-14.25%

Sector Average (1M)-0.73%

Sentinel Forensic Assessment

ALGORITHMIC RISK PROFILE • NON-ADVISORY

The structural architecture is currently robust. Capital resilience buffers in governance remain well-maintained against forensic benchmarks. Systematic scans of structural transparency and audit trails confirm the absence of material structural stress. The current structural trajectory supports a stable risk outlook.

HDBFS • MARKET STRUCTURE

Stage 4 — Declining

The company is in a defensive phase. Sentiment and fundamentals are deteriorating under persistent downward pressure, indicating elevated risk levels.

Stage Transition Prob.0%

Trend QualityDeteriorating

Phase Progression

Phase Progression Score0%

Readiness LabelLow (Early Base Consolidation)

Probability of Advancing0%

CoinTree Momentum

Composite Z-Score-0.4529σ

Weakening momentum trend

Universe Rank#1988 of 2716

Top 73.20% in momentum strength

Timeframe Sparklines

1W-4.6%

1M-1.2%

6M-13.1%

Weinstein Indicators

150 DMA₹703.68

200 DMA₹718.76

150 DMA Slope-1.3436%Declining

Relative Strength-7.61%Lagging

Relative Turnover (RTR)0.3747

ParticipationWeak

PEER COMPARISON

Ranked comparison against sector peers

This company appears relatively stable compared to the Sector Mean (10.5).

Ticker	Risk Score	Sector %ile	Delta	Flags	Accel	Primary Driver
HDBFSHDBFS	0	0th	0	0	+0	GovernanceStable
AFILAkme Fintrade (India) Limited	0	0th	-5	2	+0	GovernanceStable
ARMANFINArman Financial Services Limited	11	51th	+1	9	+1	Earnings QualityStable
AIILAuthum Investment & Infrastructure Limited	16	78th	0	6	+0	Earnings QualityStable