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Usha Financial ServicesNSE:USHAFIN 12 Debt-to-EBITDA is 4.83 as of Mar. 2026, which is 54% below its 10-year median of 10.46. GuruFocus rates NSE:USHAFIN with a GF Score™ of 12/100. The stock has 3 warning signs investors should review. Among 287 Credit Services companies, Usha Financial Services ranks better than 58.89% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
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 Usha Financial Services's Debt-to-EBITDA or its related term are showing as below:
NSE:USHAFIN'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 4.88 Med: 10.46 Max: 16.7
Current: 6.39
During the past 5 years, the highest Debt-to-EBITDA Ratio of Usha Financial Services was 16.70. The lowest was 4.88. And the median was 10.46.
NSE:USHAFIN's Debt-to-EBITDA is ranked better than 58.89% of 287
companies
in the Credit Services industry
Industry Median: 8.87
vs NSE:USHAFIN: 6.39
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.
Usha Financial Services Debt-to-EBITDA Related Terms
Usha Financial Services Debt-to-EBITDA Historical Data
* 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:USHAFIN vs V, MA, AXP: Debt-to-EBITDA Comparison
For the Credit Services subindustry, Usha 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.
Usha Financial Services Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Usha Financial Services's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Usha 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 (Mar. 2026) EBITDA data.
Usha Financial Services (NSE:USHAFIN) has a Debt-to-EBITDA of 4.83 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Usha Financial Services. This is 54% below median its historical median of 10.46. Over the past decade, Usha Financial Services' Debt-to-EBITDA has ranged from 4.88 to 16.70. According to the industry distribution chart, Usha Financial Services ranks #118 out of 287 companies in the Credit Services industry, placing it in the top 41.1%.
Is Usha Financial Services' Debt-to-EBITDA too high?
Usha Financial Services' current Debt-to-EBITDA of 4.83 is 54% below median its 10-year median of 10.46. Over the past 10 years, this metric has ranged from a low of 4.88 to a high of 16.70. The Credit Services industry median Debt-to-EBITDA is 8.87. Usha Financial Services' value of 4.83 is 45.5% below this industry median. Based on the distribution chart, Usha Financial Services ranks #118 out of 287 companies in the Credit Services industry, which is above the industry midpoint. Overall, Usha Financial Services has a GF Score™ of 12/100, reflecting its overall financial health beyond just this single metric.
How does Usha Financial Services' Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Usha Financial Services ranks #118 out of 287 companies for Debt-to-EBITDA. This puts Usha Financial Services in the upper half of its industry. The industry median Debt-to-EBITDA is 8.87. Usha Financial Services' value of 4.83 is 45.5% below this benchmark. Historically, Usha Financial Services' own Debt-to-EBITDA has ranged from 4.88 to 16.70 over the past decade. While the company's 10-year median is 10.46 vs. the industry median of 8.87, Usha Financial Services has consistently been below the industry average. 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 8.87, based on 287 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. Usha Financial Services's current Debt-to-EBITDA of 4.83 is 45.5% below the industry median. 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 Usha Financial Services. For the Credit Services industry, the median Debt-to-EBITDA is 8.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Usha Financial Services's current Debt-to-EBITDA is 4.83, which is 54% below median its own 10-year median of 10.46. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Usha Financial Services stock overvalued right now?
Usha Financial Services (NSE:USHAFIN) has a current Debt-to-EBITDA of 4.83. The current Debt-to-EBITDA is 4.83, which is 54% below median its 10-year median of 10.46 and 45.5% below the Credit Services industry median of 8.87. Usha Financial Services' overall GF Score™ is 12/100 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 Usha Financial Services (NSE:USHAFIN), the current Debt-to-EBITDA is 4.83 as of Mar. 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.
Usha Financial Services Ltd is a non-banking finance company. It provides lending solutions to fellow NBFCs, corporates, MSMEs, and individuals, particularly to women entrepreneurs. The company's services also extend to Electric vehicle (EV) financing. It provides diversified financial products to individuals, bodies corporates, NBFCs, and MSMEs.
12GF Score
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