HDB Financial Services (NSE:HDBFS) EBIT: ₹47,717 Mil (TTM As of Mar. 2026)


NSE:HDBFS HDB Financial Services Ltd NSE:HDBFS
9 GF Score
Price ₹729.80
! 3 Warning Signs
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What is HDB Financial Services EBIT?

HDB Financial Services NSE:HDBFS -0.47% 9 EBIT is ₹47,717 Mil as of Mar. 2026. GuruFocus rates NSE:HDBFS with a GF Score™ of 9/100. The stock has 3 warning signs investors should review.

HDB Financial Services's earnings before interest and taxes (EBIT) for the three months ended in Mar. 2026 was ₹16,890 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Mar. 2026 was ₹47,717 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. HDB Financial Services's annualized ROC % for the quarter that ended in Mar. 2026 was 4.24%. HDB Financial Services's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 1,071.36%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. HDB Financial Services's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 3.09%.

HDB Financial Services  (NSE:HDBFS) EBIT Explanation

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

HDB Financial Services'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 )
=67560 * ( 1 - 25.77% )/( (0 + 1183864.3)/ 1 )
=50149.788/1183864.3
=4.24 %

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))
=1236514.8 - 1798.8 - ( 50851.7 - max(0, 364406.5 - 471591.9+50851.7))
=1183864.3

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

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

HDB Financial Services'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 )
=67560/( ( (0 + max(0, 0)) + (6306 + max(-15446.2, 0)) )/ 1 )
=67560/( ( 0 + 6306 )/ 1 )
=67560/6306
=1,071.36 %

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)
=(2959.5 + 0 + 3673.1) - (1798.8 + 0 + 20280)
=-15446.2

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:

HDB Financial Services's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Mar. 2026 )
=47717/1545827.357
=3.09 %

* 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.

HDB Financial Services EBIT Related Terms

HDB Financial Services EBIT Historical Data

* Premium members only.

The historical data trend for HDB Financial Services'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.

HDB Financial Services EBIT Chart

HDB Financial Services Annual Data
Trend Mar23 Mar24 Mar25 Mar26
EBIT
46,719.20 61,325.80 64,774.20 68,531.30

HDB Financial Services Quarterly Data
Mar23 Mar24 Sep24 Dec24 Mar25 Sep25 Dec25 Mar26
EBIT Get a 7-Day Free Trial 12,696.00 13,311.00 15,174.00 15,653.00 16,890.00

NSE:HDBFS vs V, MA, AXP: EBIT Comparison

For the Credit Services subindustry, HDB Financial Services'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.

HDB Financial Services EV-to-EBIT vs Credit Services Industry

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

* The bar in red indicates where HDB Financial Services's EV-to-EBIT falls into.


NSE:HDBFS
9GF Score
HDB Financial Services Ltd NSE:HDBFS
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
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HDB Financial Services 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 ₹47,717 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 ₹47,717 Mil mean?
HDB Financial Services (NSE:HDBFS) has a EBIT of ₹47,717 Mil as of Mar. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on HDB Financial Services.
Is HDB Financial Services' EBIT too high?
HDB Financial Services' current EBIT is ₹47,717 Mil. Overall, HDB Financial Services has a GF Score™ of 9/100, reflecting its overall financial health beyond just this single metric.
How does HDB Financial Services' EBIT compare to V and MA?
HDB Financial Services' EBIT of ₹47,717 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 HDB Financial Services. HDB Financial Services's current EBIT is ₹47,717 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is HDB Financial Services stock overvalued right now?
HDB Financial Services (NSE:HDBFS) has a current EBIT of ₹47,717 Mil. The current EBIT is ₹47,717 Mil. HDB Financial Services' overall GF Score™ is 9/100 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 HDB Financial Services (NSE:HDBFS), the current EBIT is ₹47,717 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.

HDB Financial Services Business Description

Other Exchanges 544429:India
Address Tukaram Sandam Marg, A-Subhash Road, HDB House, Vile Parle (East), Navpada, Mumbai, MH, IND, 400057
HDB Financial Services Ltd is a non-banking finance company that provides lending services and business process outsourcing. The company also offers services related to the marketing and promotion of various financial products. Additionally, it provides BPO services that encompass back-office services such as form processing, document verification, finance and accounting services, and correspondence management, as well as front-office services including contact center management, outbound marketing, and collection services. The company's operating segments are: Lending services and BPO services. The majority of its revenue is generated from the Lending services segment, which includes providing finance to retail customers for a variety of purposes. Its operations are concentrated in India.
9GF Score

Get the complete analysis for NSE:HDBFS

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

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