Star Housing Finance (BOM:539017) EBIT: ₹116.0 Mil (TTM As of Dec. 2025)

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:539017 Star Housing Finance Ltd BOM:539017
77 GF Score
Price ₹6.34
GF Value ₹80.89
Valuation Possible Value Trap
! 6 Warning Signs
View Full Analysis

What is Star Housing Finance EBIT?

Star Housing Finance BOM:539017 +4.79% 77 EBIT is ₹116.0 Mil as of Dec. 2025. GuruFocus rates BOM:539017 with a GF Score™ of 77/100 and a GF Value™ of ₹80.89 (Possible Value Trap). The stock has 6 warning signs investors should review.

Star Housing Finance's earnings before interest and taxes (EBIT) for the three months ended in Dec. 2025 was ₹18.1 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Dec. 2025 was ₹116.0 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Star Housing Finance's annualized ROC % for the quarter that ended in Dec. 2025 was 0.90%. Star Housing Finance's annualized ROC (Joel Greenblatt) % for the quarter that ended in Dec. 2025 was 161.63%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Star Housing Finance's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Dec. 2025 was 2.87%.

Star Housing Finance  (BOM:539017) EBIT Explanation

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

Star Housing Finance's annualized ROC % for the quarter that ended in Dec. 2025 is calculated as:

ROC % (Q: Dec. 2025 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Sep. 2025 ) + Invested Capital (Q: Dec. 2025 ))/ count )
=72.252 * ( 1 - 35.81% )/( (5178.116 + 0)/ 1 )
=46.3785588/5178.116
=0.90 %

where

Invested Capital(Q: Sep. 2025 )
=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))
=5549.283 - 0 - ( 371.167 - max(0, 0 - 5198.048+371.167))
=5178.116

Invested Capital(Q: Dec. 2025 )
=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 (Dec. 2025) data.

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

Star Housing Finance's annualized ROC (Joel Greenblatt) % for the quarter that ended in Dec. 2025 is calculated as:

ROC (Joel Greenblatt) %(Q: Dec. 2025 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Sep. 2025  Q: Dec. 2025
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=72.252/( ( (21.529 + max(23.173999999999, 0)) + (0 + max(0, 0)) )/ 1 )
=72.252/( ( 44.702999999999 + 0 )/ 1 )
=72.252/44.702999999999
=161.63 %

where Working Capital is:

Working Capital(Q: Sep. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0 + 0 + 23.173999999999) - (0 + 0 + 0)
=23.173999999999

Working Capital(Q: Dec. 2025 )
=(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 (Dec. 2025) EBIT data.

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

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

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Dec. 2025 )
=115.98/4047.174
=2.87 %

* 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.

Star Housing Finance EBIT Related Terms

Star Housing Finance EBIT Historical Data

* Premium members only.

The historical data trend for Star Housing Finance'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.

Star Housing Finance EBIT Chart

Star Housing Finance Annual Data
Trend Mar16 Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only 23.07 13.47 81.23 114.77 141.95

Star Housing Finance Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
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 38.77 48.44 22.77 26.71 18.06

BOM:539017 vs RKT, FNMA, PFSI: EBIT Comparison

For the Mortgage Finance subindustry, Star Housing Finance'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.

Star Housing Finance EV-to-EBIT vs Banks Industry

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

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


BOM:539017
77GF Score
Star Housing Finance Ltd BOM:539017
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Star Housing Finance 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 Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹116.0 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 ₹116.0 Mil mean?
Star Housing Finance (BOM:539017) has a EBIT of ₹116.0 Mil as of Dec. 2025. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Star Housing Finance.
Is Star Housing Finance's EBIT too high?
Star Housing Finance's current EBIT is ₹116.0 Mil. Overall, Star Housing Finance has a GF Score™ of 77/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Star Housing Finance's EBIT compare to RKT and FNMA?
Star Housing Finance's EBIT of ₹116.0 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 Star Housing Finance. Star Housing Finance's current EBIT is ₹116.0 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Star Housing Finance stock overvalued right now?
Based on GuruFocus' analysis, Star Housing Finance (BOM:539017) is currently considered Possible Value Trap. The stock's GF Value™ is ₹80.89, compared to a current price of ₹6.34 — trading 92.2% below its estimated fair value. The current EBIT is ₹116.0 Mil. Star Housing Finance's overall GF Score™ is 77/100 with 6 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 Star Housing Finance (BOM:539017), the current EBIT is ₹116.0 Mil as of Dec. 2025. 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.

Is Star Housing Finance (BOM:539017) Overvalued in 2026?

Based on GuruFocus' analysis, Star Housing Finance stock appears to be undervalued. The current stock price of ₹6.34 is trading 92.2% below its estimated GF Value™ of ₹80.89. GuruFocus considers Star Housing Finance to be Possible Value Trap.

Key valuation signals for BOM:539017:

  • EBIT: ₹116.0 Mil
  • GF Value™: ₹80.89 vs. price of ₹6.34 (92.2% below fair value)
  • GF Score™: 77/100 with 6 warning signs

No single metric tells the full story. See the BOM:539017 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Star Housing Finance Business Description

Address 603, Western Edge 1, Above Metro Cash & Carry, Borivali East, Mumbai, MH, IND, 400066
Star Housing Finance Ltd is a non-deposit-taking housing finance company. The company's loan products include home loans, mortgage loans, and builder loans. The firm offers home loans for the purchase of flats and houses, renovation of existing units, extension of existing units, and purchase of plots for the construction of houses. The company offers a builder loan for the construction of residential flats. The company is engaged in the business of providing loans to individuals, corporations, and developers for the purchase, construction, development, and repair of houses, apartments, and commercial properties in India.
77GF Score

Get the complete analysis for BOM:539017

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

₹6.34
Price
₹80.89
GF Value