Usha Financial Services (NSE:USHAFIN) EBIT: ₹263.0 Mil (TTM As of Mar. 2026)


NSE:USHAFIN Usha Financial Services Ltd NSE:USHAFIN
12 GF Score
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! 3 Warning Signs
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What is Usha Financial Services EBIT?

Usha Financial Services NSE:USHAFIN 12 EBIT is ₹263.0 Mil as of Mar. 2026. GuruFocus rates NSE:USHAFIN with a GF Score™ of 12/100. The stock has 3 warning signs investors should review.

Usha Financial Services's earnings before interest and taxes (EBIT) for the three months ended in Mar. 2026 was ₹87.0 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Mar. 2026 was ₹263.0 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Usha Financial Services's annualized ROC % for the quarter that ended in Mar. 2026 was 6.11%. Usha Financial Services's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 149.93%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Usha Financial Services's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 8.35%.

Usha Financial Services  (NSE:USHAFIN) EBIT Explanation

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

Usha 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 )
=347.852 * ( 1 - 25.81% )/( (0 + 4225.288)/ 1 )
=258.0713988/4225.288
=6.11 %

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))
=4296.354 - 9.474 - ( 61.592 - max(0, 9.474 - 3972.318+61.592))
=4225.288

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

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

Usha 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 )
=347.852/( ( (0 + max(0, 0)) + (231.3 + max(0.71300000000009, 0)) )/ 1 )
=347.852/( ( 0 + 232.013 )/ 1 )
=347.852/232.013
=149.93 %

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)
=(0.162 + 0 + 10.025) - (9.474 + 0 + 0)
=0.71300000000009

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:

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

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Mar. 2026 )
=262.993/3149.828
=8.35 %

* 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.

Usha Financial Services EBIT Related Terms

Usha Financial Services EBIT Historical Data

* Premium members only.

The historical data trend for Usha 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.

Usha Financial Services EBIT Chart

Usha Financial Services Annual Data
Trend Mar22 Mar23 Mar24 Mar25 Mar26
EBIT
55.02 154.50 170.58 244.44 344.26

Usha Financial Services Quarterly Data
Mar22 Mar23 Mar24 Sep24 Dec24 Mar25 Sep25 Dec25 Mar26
EBIT Get a 7-Day Free Trial Premium Member Only 64.65 77.45 77.36 98.67 86.96

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

For the Credit Services subindustry, Usha 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.

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

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

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


NSE:USHAFIN
12GF Score
Usha Financial Services Ltd NSE:USHAFIN
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
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Usha 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 ₹263.0 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 ₹263.0 Mil mean?
Usha Financial Services (NSE:USHAFIN) has a EBIT of ₹263.0 Mil as of Mar. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Usha Financial Services.
Is Usha Financial Services' EBIT too high?
Usha Financial Services' current EBIT is ₹263.0 Mil. Overall, Usha Financial Services has a GF Score™ of 12/100, reflecting its overall financial health beyond just this single metric.
How does Usha Financial Services' EBIT compare to V and MA?
Usha Financial Services' EBIT of ₹263.0 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 Usha Financial Services. Usha Financial Services's current EBIT is ₹263.0 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Usha Financial Services stock overvalued right now?
Usha Financial Services (NSE:USHAFIN) has a current EBIT of ₹263.0 Mil. The current EBIT is ₹263.0 Mil. Usha Financial Services' overall GF Score™ is 12/100 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 Usha Financial Services (NSE:USHAFIN), the current EBIT is ₹263.0 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.

Usha Financial Services Business Description

Address Plot No. 73, Industrial Area, First Floor, Patparganj, East Delhi, Delhi, IND, 110092
Usha Financial Services Ltd is a non-banking finance company. It provides lending solutions to fellow NBFCs, corporates, MSMEs, and individuals, particularly to women entrepreneurs. The company's services also extend to Electric vehicle (EV) financing. It provides diversified financial products to individuals, bodies corporates, NBFCs, and MSMEs.
12GF Score

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

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