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HDB Financial ServicesNSE:HDBFS +1.65%13 3-Year EBITDA Growth Rate is 14.10% as of Jun. 2026, which is at its 10-year median of 14.10. GuruFocus rates NSE:HDBFS with a GF Score™ of 13/100. The stock has 3 warning signs investors should review. Among 322 Credit Services companies, HDB Financial Services ranks better than 55.9% on this metric.
During the past 12 months, HDB Financial Services's average EBITDA Per Share Growth Rate was 24.20% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 14.10% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
During the past 4 years, the highest 3-Year average EBITDA Per Share Growth Rate of HDB Financial Services was 14.10% per year. The lowest was 14.10% per year. And the median was 14.10% per year.
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
HDB Financial Services 3-Year EBITDA Growth Rate Related Terms
NSE:HDBFS vs V, MA, AXP: 3-Year EBITDA Growth Rate Comparison
For the Credit Services subindustry, HDB Financial Services's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA Growth Rate 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 3-Year EBITDA Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, HDB Financial Services's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where HDB Financial Services's 3-Year EBITDA Growth Rate falls into.
This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 14.10% mean?
HDB Financial Services (NSE:HDBFS) has a 3-Year EBITDA Growth Rate of 14.10% as of Jun. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for HDB Financial Services and its competitors. This is near median its historical median of 14.10. Over the past decade, HDB Financial Services' 3-Year EBITDA Growth Rate has ranged from 14.10 to 14.10. According to the industry distribution chart, HDB Financial Services ranks #142 out of 322 companies in the Credit Services industry, placing it in the top 44.1%.
Is HDB Financial Services' 3-Year EBITDA Growth Rate too high?
HDB Financial Services' current 3-Year EBITDA Growth Rate of 14.10% is near median its 10-year median of 14.10. Over the past 10 years, this metric has ranged from a low of 14.10 to a high of 14.10. The Credit Services industry median 3-Year EBITDA Growth Rate is 9.30. HDB Financial Services' value of 14.10% is 51.6% above this industry median. Based on the distribution chart, HDB Financial Services ranks #142 out of 322 companies in the Credit Services industry, which is above the industry midpoint. Overall, HDB Financial Services has a GF Score™ of 13/100, reflecting its overall financial health beyond just this single metric.
How does HDB Financial Services' 3-Year EBITDA Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, HDB Financial Services ranks #142 out of 322 companies for 3-Year EBITDA Growth Rate. This puts HDB Financial Services in the upper half of its industry. The industry median 3-Year EBITDA Growth Rate is 9.30. HDB Financial Services' value of 14.10% is 51.6% above this benchmark. Historically, HDB Financial Services' own 3-Year EBITDA Growth Rate has ranged from 14.10 to 14.10 over the past decade. While the company's 10-year median is 14.10 vs. the industry median of 9.30, HDB Financial Services has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EBITDA Growth Rate for a Credit Services company?
The median 3-Year EBITDA Growth Rate among Credit Services companies is 9.30, based on 322 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. HDB Financial Services's current 3-Year EBITDA Growth Rate of 14.10% is 51.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for HDB Financial Services and its competitors. For the Credit Services industry, the median 3-Year EBITDA Growth Rate is 9.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HDB Financial Services's current 3-Year EBITDA Growth Rate is 14.10%, which is near median its own 10-year median of 14.10. 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 3-Year EBITDA Growth Rate of 14.10%. The current 3-Year EBITDA Growth Rate is 14.10%, which is near median its 10-year median of 14.10 and 51.6% above the Credit Services industry median of 9.30. HDB Financial Services' overall GF Score™ is 13/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For HDB Financial Services (NSE:HDBFS), the current 3-Year EBITDA Growth Rate is 14.10% as of Jun. 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 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.
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