India Shelter Finance (BOM:544044) EBIT: ₹5,438 Mil (TTM As of Mar. 2026)

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BOM:544044 India Shelter Finance Corporation Ltd BOM:544044
38 GF Score
Price ₹815.05
! 5 Warning Signs
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What is India Shelter Finance EBIT?

India Shelter Finance BOM:544044 -0.12% 38 EBIT is ₹5,438 Mil as of Mar. 2026. GuruFocus rates BOM:544044 with a GF Score™ of 38/100. The stock has 5 warning signs investors should review.

India Shelter Finance's earnings before interest and taxes (EBIT) for the three months ended in Mar. 2026 was ₹1,550 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Mar. 2026 was ₹5,438 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. India Shelter Finance's annualized ROC % for the quarter that ended in Mar. 2026 was 5.20%. India Shelter Finance's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 2,296.30%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. India Shelter Finance's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 3.75%.

India Shelter Finance  (BOM:544044) EBIT Explanation

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

India Shelter Finance'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 )
=6200.64 * ( 1 - 23.25% )/( (0 + 91544.464)/ 1 )
=4758.9912/91544.464
=5.20 %

where

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

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))
=96149.758 - 1405.514 - ( 6307.628 - max(0, 15232.272 - 18432.052+6307.628))
=91544.464

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

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

India Shelter Finance'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 )
=6200.64/( ( (0 + max(0, 0)) + (270.028 + max(-1246.191, 0)) )/ 1 )
=6200.64/( ( 0 + 270.028 )/ 1 )
=6200.64/270.028
=2,296.30 %

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)
=(54.752 + 0 + 369.326) - (1405.514 + 0 + 264.755)
=-1246.191

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:

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

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Mar. 2026 )
=5437.836/144874.646
=3.75 %

* 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.

India Shelter Finance EBIT Related Terms

India Shelter Finance EBIT Historical Data

* Premium members only.

The historical data trend for India Shelter 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.

India Shelter Finance EBIT Chart

India Shelter Finance Annual Data
Trend Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
EBIT
Get a 7-Day Free Trial 1,678.60 2,034.91 3,213.38 4,930.53 6,564.15

India Shelter Finance Quarterly Data
Mar21 Mar22 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 1,211.83 1,279.75 1,312.82 1,295.11 1,550.16

BOM:544044 vs RKT, FNMA, PFSI: EBIT Comparison

For the Mortgage Finance subindustry, India Shelter 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.

India Shelter Finance EV-to-EBIT vs Banks Industry

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

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


BOM:544044
38GF Score
India Shelter Finance Corporation Ltd BOM:544044
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
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India Shelter 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 Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹5,438 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 ₹5,438 Mil mean?
India Shelter Finance (BOM:544044) has a EBIT of ₹5,438 Mil as of Mar. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on India Shelter Finance.
Is India Shelter Finance's EBIT too high?
India Shelter Finance's current EBIT is ₹5,438 Mil. Overall, India Shelter Finance has a GF Score™ of 38/100, reflecting its overall financial health beyond just this single metric.
How does India Shelter Finance's EBIT compare to RKT and FNMA?
India Shelter Finance's EBIT of ₹5,438 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 India Shelter Finance. India Shelter Finance's current EBIT is ₹5,438 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is India Shelter Finance stock overvalued right now?
India Shelter Finance (BOM:544044) has a current EBIT of ₹5,438 Mil. The current EBIT is ₹5,438 Mil. India Shelter Finance's overall GF Score™ is 38/100 with 5 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 India Shelter Finance (BOM:544044), the current EBIT is ₹5,438 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.

India Shelter Finance Business Description

Other Exchanges INDIASHLTR:India
Address Institutional Area, Sector 44, 6th Floor, Plot No 15, Gurugram, HR, IND, 122002
India Shelter Finance Corporation Ltd caters to the housing needs of the self-employed, informal segment of customers, belonging to the middle income, predominantly from semi-urban and rural markets. It is engaged in providing secured retail home loans, home equity loans, and loans against property to borrowers for a period of up to twenty years. These loans are mainly to be used by borrowers for home purchase, home improvements, home extension, and the construction of dwelling units on plots owned by borrowers. Geographically, the company's operations are spread across different regions in India.
38GF Score

Get the complete analysis for BOM:544044

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

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