NPR Finance (BOM:530127) Debt-to-EBITDA : (As of Jun. 2026)

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BOM:530127 NPR Finance Ltd BOM:530127
57 GF Score
Price ₹23.50
GF Value ₹16.18
Valuation Significantly Overvalued
! 4 Warning Signs
View Full Analysis

What is NPR Finance Debt-to-EBITDA?

Debt-to-EBITDA measures a company's ability to pay off its debt.

NPR Finance's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was ₹ Mil. NPR Finance's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was ₹ Mil. NPR Finance's annualized EBITDA for the quarter that ended in Jun. 2026 was ₹8.35 Mil. NPR Finance's annualized Debt-to-EBITDA for the quarter that ended in Jun. 2026 was 0.00.

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.

The historical rank and industry rank for NPR Finance's Debt-to-EBITDA or its related term are showing as below:

BOM:530127' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.25   Med: 1.85   Max: 11.18
Current: 4.92

During the past 10 years, the highest Debt-to-EBITDA Ratio of NPR Finance was 11.18. The lowest was 0.25. And the median was 1.85.

BOM:530127's Debt-to-EBITDA is ranked better than
63.76% of 287 companies
in the Credit Services industry
Industry Median: 8.34 vs BOM:530127: 4.92

NPR Finance  (BOM:530127) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.


Be Aware

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.

According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.


NPR Finance Debt-to-EBITDA Related Terms


NPR Finance Debt-to-EBITDA Historical Data

* Premium members only.

The historical data trend for NPR Finance's Debt-to-EBITDA can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

NPR Finance Debt-to-EBITDA Chart

NPR Finance Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Debt-to-EBITDA
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NPR Finance Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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BOM:530127 vs V, MA, AXP: Debt-to-EBITDA Comparison

For the Credit Services subindustry, NPR Finance's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


NPR Finance Debt-to-EBITDA vs Credit Services Industry

For the Credit Services industry and Financial Services sector, NPR Finance's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where NPR Finance's Debt-to-EBITDA falls into.


BOM:530127
57GF Score
NPR Finance Ltd BOM:530127
Debt-to-EBITDA is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

NPR Finance Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

NPR Finance's Debt-to-EBITDA for the fiscal year that ended in Mar. 2026 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(2.272 + 1.193) / 3.729
=0.93

NPR Finance's annualized Debt-to-EBITDA for the quarter that ended in Jun. 2026 is calculated as

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data, the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.

Is NPR Finance (BOM:530127) Overvalued in 2026?

Based on GuruFocus' analysis, NPR Finance stock appears to be overvalued. The current stock price of ₹23.50 is trading 45.2% above its estimated GF Value™ of ₹16.18. GuruFocus considers NPR Finance to be Significantly Overvalued.

Key valuation signals for BOM:530127:

  • Debt-to-EBITDA:
  • GF Value™: ₹16.18 vs. price of ₹23.50 (45.2% above fair value)
  • GF Score™: 57/100 with 4 warning signs

No single metric tells the full story. See the BOM:530127 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


NPR Finance Business Description

Address Street Number 18, 6th Floor, South Wing, Adventz Infinity@5, BN - Block, Sector - V, Bidhannagar, Kolkata, WB, IND, 700091
NPR Finance Ltd is engaged in financing activities in India. It operates in two segments: Financing Operations, and Real Estate. Its financial activities include granting Group loans under Joint Liability, Granting loans against Hypothecation of vehicles, unsecured personal loans, Inter Corporate Deposits, Trading, and investment in Shares & Securities. and the majority of its revenue is generated from financing operations.
57GF Score

Get the complete analysis for BOM:530127

Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹23.50
Price
₹16.18
GF Value