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MAS Financial ServicesNSE:MASFIN +0.09%81 3-Year EBITDA Growth Rate is 9.80% as of Jun. 2026, which is 51% above its 10-year median of 6.50. GuruFocus rates NSE:MASFIN with a GF Score™ of 81/100 and a GF Value™ of ₹400.50 (Modestly Undervalued). The stock has 8 warning signs investors should review. Among 319 Credit Services companies, MAS Financial Services ranks better than 51.41% on this metric.
During the past 12 months, MAS Financial Services's average EBITDA Per Share Growth Rate was 16.40% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 9.80% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was 12.50% per year.
During the past 10 years, the average EBITDA Per Share Growth Rate was 5.90% 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 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of MAS Financial Services was 35.80% per year. The lowest was -4.30% per year. And the median was 6.50% per year.
MAS Financial Services (NSE:MASFIN) 3-Year EBITDA Growth Rate Explanation
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.
MAS Financial Services 3-Year EBITDA Growth Rate Related Terms
NSE:MASFIN vs V, MA, AXP: 3-Year EBITDA Growth Rate Comparison
For the Credit Services subindustry, MAS 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.
MAS Financial Services 3-Year EBITDA Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, MAS Financial Services's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where MAS Financial Services's 3-Year EBITDA Growth Rate falls into.
MAS Financial Services 3-Year EBITDA Growth Rate Calculation
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 9.80% mean?
MAS Financial Services (NSE:MASFIN) has a 3-Year EBITDA Growth Rate of 9.80% as of Jun. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for MAS Financial Services and its competitors. This is 51% above median its historical median of 6.50. According to the industry distribution chart, MAS Financial Services ranks #155 out of 319 companies in the Credit Services industry, placing it in the top 48.6%.
Is MAS Financial Services' 3-Year EBITDA Growth Rate too high?
MAS Financial Services' current 3-Year EBITDA Growth Rate of 9.80% is 51% above median its 10-year median of 6.50. The Credit Services industry median 3-Year EBITDA Growth Rate is 9.10. MAS Financial Services' value of 9.80% is 7.7% above this industry median. Based on the distribution chart, MAS Financial Services ranks #155 out of 319 companies in the Credit Services industry, which is above the industry midpoint. Overall, MAS Financial Services has a GF Score™ of 81/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does MAS Financial Services' 3-Year EBITDA Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, MAS Financial Services ranks #155 out of 319 companies for 3-Year EBITDA Growth Rate. This puts MAS Financial Services in the upper half of its industry. The industry median 3-Year EBITDA Growth Rate is 9.10. MAS Financial Services' value of 9.80% is 7.7% above this benchmark. While the company's 10-year median is 6.50 vs. the industry median of 9.10, MAS 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 9.10, based on 319 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. MAS Financial Services's current 3-Year EBITDA Growth Rate of 9.80% is 7.7% 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 MAS Financial Services and its competitors. For the Credit Services industry, the median 3-Year EBITDA Growth Rate is 9.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MAS Financial Services's current 3-Year EBITDA Growth Rate is 9.80%, which is 51% above median its own 10-year median of 6.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MAS Financial Services stock overvalued right now?
Based on GuruFocus' analysis, MAS Financial Services (NSE:MASFIN) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹400.50, compared to a current price of ₹319.80 — trading 20.1% below its estimated fair value. The current 3-Year EBITDA Growth Rate is 9.80%, which is 51% above median its 10-year median of 6.50 and 7.7% above the Credit Services industry median of 9.10. MAS Financial Services' overall GF Score™ is 81/100 with 8 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 MAS Financial Services (NSE:MASFIN), the current 3-Year EBITDA Growth Rate is 9.80% 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.
Is MAS Financial Services (NSE:MASFIN) Overvalued in 2026?
Based on GuruFocus' analysis, MAS Financial Services stock appears to be undervalued.
The current stock price of ₹319.80 is trading 20.1% below its estimated GF Value™ of ₹400.50.
GuruFocus considers MAS Financial Services to be Modestly Undervalued.
Key valuation signals for NSE:MASFIN:
3-Year EBITDA Growth Rate: 9.80% (51% above median its 10-year median of 6.50)
GF Value™: ₹400.50 vs. price of ₹319.80 (20.1% below fair value)
Industry Position: 7.7% above the Credit Services median (#155 of 319)
No single metric tells the full story. See the NSE:MASFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
MAS Financial Services Ltd operates as a non-banking financial company. It is mainly in the retail business, comprising Micro, small, and medium enterprises, two-wheelers, three-wheelers, and multi-utility vehicles loans to individual borrowers and loans to microfinance institutions and other non-banking financial companies. It focuses on the lower-income and middle-income groups of society, spread across urban, semi-urban, and rural areas, including formal and informal sectors.
81GF Score
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3-Year EBITDA Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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