Unifinz Capital India (BOM:541358) EBIT: ₹3,048 Mil (TTM As of Mar. 2026)

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BOM:541358 Unifinz Capital India Ltd BOM:541358
84 GF Score
Price ₹121.00
GF Value ₹190.23
Valuation Possible Value Trap
! 3 Warning Signs
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What is Unifinz Capital India EBIT?

Unifinz Capital India BOM:541358 -4.72% 84 EBIT is ₹3,048 Mil as of Mar. 2026. GuruFocus rates BOM:541358 with a GF Score™ of 84/100 and a GF Value™ of ₹190.23 (Possible Value Trap). The stock has 3 warning signs investors should review.

Unifinz Capital India's earnings before interest and taxes (EBIT) for the three months ended in Mar. 2026 was ₹831 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Mar. 2026 was ₹3,048 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Unifinz Capital India's annualized ROC % for the quarter that ended in Mar. 2026 was 67.17%. Unifinz Capital India's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 10,480.66%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Unifinz Capital India's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 39.58%.


Unifinz Capital India  (BOM:541358) EBIT Explanation

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

Unifinz Capital India's annualized ROC % for the quarter that ended in Mar. 2026 is calculated as:

ROC % (Q: Mar. 2026 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Dec. 2025 ) + Invested Capital (Q: Mar. 2026 ))/ count )
=3323.836 * ( 1 - 19.13% )/( (0 + 4002.062)/ 1 )
=2687.9861732/4002.062
=67.17 %

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))
=4792.835 - 352.928 - ( 437.845 - max(0, 352.928 - 4638.892+437.845))
=4002.062

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

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

Unifinz Capital India's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 is calculated as:

ROC (Joel Greenblatt) %(Q: Mar. 2026 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Dec. 2025  Q: Mar. 2026
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=3323.836/( ( (0 + max(0, 0)) + (31.714 + max(-324.55, 0)) )/ 1 )
=3323.836/( ( 0 + 31.714 )/ 1 )
=3323.836/31.714
=10,480.66 %

where Working Capital is:

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

Working Capital(Q: Mar. 2026 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(4.439 + 0 + 23.938999999999) - (352.928 + 0 + 0)
=-324.55

When net working capital is negative, 0 is used.

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

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

Unifinz Capital India's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Mar. 2026 )
=3047.657/7700.831
=39.58 %

* 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.


Unifinz Capital India EBIT Related Terms


Unifinz Capital India EBIT Historical Data

* Premium members only.

The historical data trend for Unifinz Capital India'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.

Unifinz Capital India EBIT Chart

Unifinz Capital India 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 12.36 -8.34 56.65 274.63 1,216.95

Unifinz Capital India Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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 177.51 488.98 790.86 936.86 830.96

BOM:541358 vs V, MA, AXP: EBIT Comparison

For the Credit Services subindustry, Unifinz Capital India'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.


Unifinz Capital India EV-to-EBIT vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Unifinz Capital India's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where Unifinz Capital India's EV-to-EBIT falls into.


BOM:541358
84GF Score
Unifinz Capital India Ltd BOM:541358
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Unifinz Capital India 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 Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹3,048 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 ₹3,048 Mil mean?
Unifinz Capital India (BOM:541358) has a EBIT of ₹3,048 Mil as of Mar. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Unifinz Capital India.
Is Unifinz Capital India's EBIT too high?
Unifinz Capital India's current EBIT is ₹3,048 Mil. Overall, Unifinz Capital India has a GF Score™ of 84/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Unifinz Capital India's EBIT compare to V and MA?
Unifinz Capital India's EBIT of ₹3,048 Mil can be compared against companies in the Credit Services 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 Credit Services company?
A good EBIT depends on the Credit Services 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 Unifinz Capital India. Unifinz Capital India's current EBIT is ₹3,048 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Unifinz Capital India stock overvalued right now?
Based on GuruFocus' analysis, Unifinz Capital India (BOM:541358) is currently considered Possible Value Trap. The stock's GF Value™ is ₹190.23, compared to a current price of ₹121.00 — trading 36.4% below its estimated fair value. The current EBIT is ₹3,048 Mil. Unifinz Capital India's overall GF Score™ is 84/100 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 Unifinz Capital India (BOM:541358), the current EBIT is ₹3,048 Mil 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.

Is Unifinz Capital India (BOM:541358) Overvalued in 2026?

Based on GuruFocus' analysis, Unifinz Capital India stock appears to be undervalued. The current stock price of ₹121.00 is trading 36.4% below its estimated GF Value™ of ₹190.23. GuruFocus considers Unifinz Capital India to be Possible Value Trap.

Key valuation signals for BOM:541358:

  • EBIT: ₹3,048 Mil
  • GF Value™: ₹190.23 vs. price of ₹121.00 (36.4% below fair value)
  • GF Score™: 84/100 with 3 warning signs

No single metric tells the full story. See the BOM:541358 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Unifinz Capital India Business Description

Address 24, Nehru Place, 5th Floor, Rajlok Building, New Delhi, IND, 110019
Unifinz Capital India Ltd is a Non-Banking Financial Institution. It offers unsecured personal loans under the brand name lendingplate to individuals spread across various cities in India. The company addresses the financial requirements of under-banked and unbanked populations who remain unserved or underserved by traditional banking systems. Its focus is on financing these segments: vehicles, MSMEs, and mortgage loans.
84GF Score

Get the complete analysis for BOM:541358

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

₹121.00
Price
₹190.23
GF Value