Makati Finance (PHS:MFIN) EBIT: ₱11.8 Mil (TTM As of Mar. 2026)


PHS:MFIN Makati Finance Corp PHS:MFIN
53 GF Score
Price ₱2.19
GF Value ₱1.93
Valuation Modestly Overvalued
! 8 Warning Signs
View Full Analysis

What is Makati Finance EBIT?

Makati Finance PHS:MFIN +10.61% 53 EBIT is ₱11.8 Mil as of Mar. 2026. GuruFocus rates PHS:MFIN with a GF Score™ of 53/100 and a GF Value™ of ₱1.93 (Modestly Overvalued). The stock has 8 warning signs investors should review.

Makati Finance's earnings before interest and taxes (EBIT) for the three months ended in Mar. 2026 was ₱0.4 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Mar. 2026 was ₱11.8 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Makati Finance's annualized ROC % for the quarter that ended in Mar. 2026 was 0.18%. Makati Finance's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 0.29%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Makati Finance's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 1.19%.


Makati Finance  (PHS:MFIN) EBIT Explanation

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

Makati 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: Sep. 2025 ) + Invested Capital (Q: Mar. 2026 ))/ count )
=1.772 * ( 1 - 0.74% )/( (1014.515 + 942.427)/ 2 )
=1.7588872/978.471
=0.18 %

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))
=1055.676 - 13.658 - ( 27.503 - max(0, 445.787 - 719.213+27.503))
=1014.515

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))
=983.607 - 10.617 - ( 30.563 - max(0, 423.039 - 542.735+30.563))
=942.427

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

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

Makati 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: Sep. 2025  Q: Mar. 2026
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=1.772/( ( (15.813 + max(668.677, 0)) + (34.958 + max(491.15, 0)) )/ 2 )
=1.772/( ( 684.49 + 526.108 )/ 2 )
=1.772/605.299
=0.29 %

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)
=(578.278 + 0 + 113.432) - (13.658 + 0 + 9.3749999999999)
=668.677

Working Capital(Q: Mar. 2026 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(486.163 + 0 + 26.009) - (10.617 + 0 + 10.405)
=491.15

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:

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

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Mar. 2026 )
=11.756/991.530
=1.19 %

* 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.


Makati Finance EBIT Related Terms


Makati Finance EBIT Historical Data

* Premium members only.

The historical data trend for Makati 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.

Makati Finance EBIT Chart

Makati Finance Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only -1.55 4.09 -10.98 -6.46 -18.89

Makati Finance Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 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 4.39 7.72 7.60 3.72 0.44

PHS:MFIN vs V, MA, AXP: EBIT Comparison

For the Credit Services subindustry, Makati 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.


Makati Finance EV-to-EBIT vs Credit Services Industry

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

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


PHS:MFIN
53GF Score
Makati Finance Corp PHS:MFIN
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Makati 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 ₱11.8 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 ₱11.8 Mil mean?
Makati Finance (PHS:MFIN) has a EBIT of ₱11.8 Mil as of Mar. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Makati Finance.
Is Makati Finance's EBIT too high?
Makati Finance's current EBIT is ₱11.8 Mil. Overall, Makati Finance has a GF Score™ of 53/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Makati Finance's EBIT compare to V and MA?
Makati Finance's EBIT of ₱11.8 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 Makati Finance. Makati Finance's current EBIT is ₱11.8 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Makati Finance stock overvalued right now?
Based on GuruFocus' analysis, Makati Finance (PHS:MFIN) is currently considered Modestly Overvalued. The stock's GF Value™ is ₱1.93, compared to a current price of ₱2.19 — trading 13.5% above its estimated fair value. The current EBIT is ₱11.8 Mil. Makati Finance's overall GF Score™ is 53/100 with 8 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 Makati Finance (PHS:MFIN), the current EBIT is ₱11.8 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 Makati Finance (PHS:MFIN) Overvalued in 2026?

Based on GuruFocus' analysis, Makati Finance stock appears to be overvalued. The current stock price of ₱2.19 is trading 13.5% above its estimated GF Value™ of ₱1.93. GuruFocus considers Makati Finance to be Modestly Overvalued.

Key valuation signals for PHS:MFIN:

  • EBIT: ₱11.8 Mil
  • GF Value™: ₱1.93 vs. price of ₱2.19 (13.5% above fair value)
  • GF Score™: 53/100 with 8 warning signs

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


Makati Finance Business Description

Address 2301 Chino Roces Avenue, 3rd Floor Mazda Makati Building, Barangay Magallanes, Makati City, PHL, 1231
Makati Finance Corp provides financial services and advisory to its clients. It is engaged in stock dealership functions, credit line extensions, and acceptance of private placements. It has expanded its product lines from its traditional Rx Cashline, MFC Factors (receivables financing) Business Loans; Motorcycle Financing to include new financial products lines recently introduced by the company namely: corporate salary loans; personal loans; micro business loans; pension loans; car loans and leisure bikes financing. Its segments include Rx Cashline Group; Business Loans, Motor Vehicles Financing Group, Car Loans, and Other Segments. It derives revenue from Business Loans which grants loans to finance business owners who wish to expand its business or for the purpose of starting capital.
53GF Score

Get the complete analysis for PHS:MFIN

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

₱2.19
Price
₱1.93
GF Value