Ind Bank Housing (BOM:523465) EBIT: ₹-10.58 Mil (TTM As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BOM:523465 Ind Bank Housing Ltd BOM:523465
30 GF Score
Price ₹52.57
! 3 Warning Signs
View Full Analysis

What is Ind Bank Housing EBIT?

Ind Bank Housing BOM:523465 -0.51% 30 EBIT is ₹-10.58 Mil as of Jun. 2026. GuruFocus rates BOM:523465 with a GF Score™ of 30/100. The stock has 3 warning signs investors should review.

Ind Bank Housing's earnings before interest and taxes (EBIT) for the three months ended in Jun. 2026 was ₹-6.31 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Jun. 2026 was ₹-10.58 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Ind Bank Housing's annualized ROC % for the quarter that ended in Jun. 2026 was -50.89%. Ind Bank Housing's annualized ROC (Joel Greenblatt) % for the quarter that ended in Jun. 2026 was -51.20%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Ind Bank Housing's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Jun. 2026 was -0.63%.

Ind Bank Housing  (BOM:523465) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Ind Bank Housing's annualized ROC % for the quarter that ended in Jun. 2026 is calculated as:

ROC % (Q: Jun. 2026 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Mar. 2026 ) + Invested Capital (Q: Jun. 2026 ))/ count )
=-25.24 * ( 1 - 0% )/( (49.602 + 0)/ 1 )
=-25.24/49.602
=-50.89 %

where

Invested Capital(Q: Mar. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=196.467 - 0 - ( 146.865 - max(0, 0 - 196.162+146.865))
=49.602

Invested Capital(Q: Jun. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=0 - 0 - ( 0 - max(0, 0 - 0+0))
=0

Note: The Operating Income data used here is four times the quarterly (Jun. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

Ind Bank Housing's annualized ROC (Joel Greenblatt) % for the quarter that ended in Jun. 2026 is calculated as:

ROC (Joel Greenblatt) %(Q: Jun. 2026 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Mar. 2026  Q: Jun. 2026
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=-25.24/( ( (0.002 + max(49.297, 0)) + (0 + max(0, 0)) )/ 1 )
=-25.24/( ( 49.299 + 0 )/ 1 )
=-25.24/49.299
=-51.20 %

where Working Capital is:

Working Capital(Q: Mar. 2026 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0 + 0 + 49.297) - (0 + 0 + 0)
=49.297

Working Capital(Q: Jun. 2026 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0 + 0 + 0) - (0 + 0 + 0)
=0

When net working capital is negative, 0 is used.

Note: The EBIT data used here is four times the quarterly (Jun. 2026) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

Ind Bank Housing's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Jun. 2026 )
=-10.576/1668.835
=-0.63 %

* 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.

Ind Bank Housing EBIT Related Terms

Ind Bank Housing EBIT Historical Data

* Premium members only.

The historical data trend for Ind Bank Housing's EBIT 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.

Ind Bank Housing EBIT Chart

Ind Bank Housing Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only -3.60 -7.94 -5.58 -5.84 -5.98

Ind Bank Housing Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
EBIT Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -1.71 -0.84 -1.11 -2.32 -6.31

BOM:523465 vs RKT, FNMA, PFSI: EBIT Comparison

For the Mortgage Finance subindustry, Ind Bank Housing's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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.

Ind Bank Housing EV-to-EBIT vs Banks Industry

For the Banks industry and Financial Services sector, Ind Bank Housing's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where Ind Bank Housing's EV-to-EBIT falls into.


BOM:523465
30GF Score
Ind Bank Housing Ltd BOM:523465
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Ind Bank Housing EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹-10.58 Mil.

* 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.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of ₹-10.58 Mil mean?
Ind Bank Housing (BOM:523465) has a EBIT of ₹-10.58 Mil as of Jun. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Ind Bank Housing.
Is Ind Bank Housing's EBIT too high?
Ind Bank Housing's current EBIT is ₹-10.58 Mil. Overall, Ind Bank Housing has a GF Score™ of 30/100, reflecting its overall financial health beyond just this single metric.
How does Ind Bank Housing's EBIT compare to RKT and FNMA?
Ind Bank Housing's EBIT of ₹-10.58 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBIT for a Banks company?
A good EBIT depends on the Banks industry context. However, EBIT 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 EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Ind Bank Housing. Ind Bank Housing's current EBIT is ₹-10.58 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ind Bank Housing stock overvalued right now?
Ind Bank Housing (BOM:523465) has a current EBIT of ₹-10.58 Mil. The current EBIT is ₹-10.58 Mil. Ind Bank Housing's overall GF Score™ is 30/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBIT calculated?
EBIT is calculated from a company's financial statements. For Ind Bank Housing (BOM:523465), the current EBIT is ₹-10.58 Mil 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.

Ind Bank Housing Business Description

Address 480, Anna Salai, 3rd Floor, Nandanam, Khivraj Complex - I, Chennai, TN, IND, 600035
Ind Bank Housing Ltd is an India-based company. It is engaged in Housing finance. The company's source of revenue is from the interest receipts.
30GF Score

Get the complete analysis for BOM:523465

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

₹52.57
Price