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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 HDB Financial Services's Debt-to-EBITDA or its related term are showing as below:
NSE:HDBFS'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 11.47 Med: 12.64 Max: 14.76
Current: 14.76
During the past 4 years, the highest Debt-to-EBITDA Ratio of HDB Financial Services was 14.76. The lowest was 11.47. And the median was 12.64.
NSE:HDBFS's Debt-to-EBITDA is ranked worse than 65.85% of 284
companies
in the Credit Services industry
Industry Median: 9.3
vs NSE:HDBFS: 14.76
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.
HDB Financial Services Debt-to-EBITDA Related Terms
HDB Financial Services Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for HDB Financial Services'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.
NSE:HDBFS vs V, MA, AXP: Debt-to-EBITDA Comparison
For the Credit Services subindustry, HDB Financial Services'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.
HDB Financial Services Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, HDB Financial Services's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where HDB Financial Services's Debt-to-EBITDA falls into.
* 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.
HDB Financial Services (NSE:HDBFS) has a Debt-to-EBITDA of 0.00 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on HDB Financial Services. Over the past decade, HDB Financial Services' Debt-to-EBITDA has ranged from 11.47 to 14.76. According to the industry distribution chart, HDB Financial Services ranks #187 out of 284 companies in the Credit Services industry, placing it in the top 65.8%.
Is HDB Financial Services' Debt-to-EBITDA too high?
HDB Financial Services' current Debt-to-EBITDA is 0.00. Over the past 10 years, this metric has ranged from a low of 11.47 to a high of 14.76. Based on the distribution chart, HDB Financial Services ranks #187 out of 284 companies in the Credit Services industry, which is below the industry midpoint. Overall, HDB Financial Services has a GF Score™ of 9/100, reflecting its overall financial health beyond just this single metric.
How does HDB Financial Services' Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, HDB Financial Services ranks #187 out of 284 companies for Debt-to-EBITDA. This places HDB Financial Services in the lower half of its industry. The industry median Debt-to-EBITDA is 9.30. Historically, HDB Financial Services' own Debt-to-EBITDA has ranged from 11.47 to 14.76 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 9.30, based on 284 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on HDB Financial Services. For the Credit Services industry, the median Debt-to-EBITDA is 9.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HDB Financial Services's current Debt-to-EBITDA is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is HDB Financial Services stock overvalued right now?
HDB Financial Services (NSE:HDBFS) has a current Debt-to-EBITDA of 0.00. The current Debt-to-EBITDA is 0.00. HDB Financial Services' overall GF Score™ is 9/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For HDB Financial Services (NSE:HDBFS), the current Debt-to-EBITDA is 0.00 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
HDB Financial Services Ltd is a non-banking finance company that provides lending services and business process outsourcing. The company also offers services related to the marketing and promotion of various financial products. Additionally, it provides BPO services that encompass back-office services such as form processing, document verification, finance and accounting services, and correspondence management, as well as front-office services including contact center management, outbound marketing, and collection services. The company's operating segments are: Lending services and BPO services. The majority of its revenue is generated from the Lending services segment, which includes providing finance to retail customers for a variety of purposes. Its operations are concentrated in India.
9GF Score
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Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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