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HDB Financial ServicesBOM:544429 -0.06%9 EBITDA Margin % is 36.44% as of Jun. 2026, which is 10% below its 10-year median of 40.28. GuruFocus rates BOM:544429 with a GF Score™ of 9/100. The stock has 3 warning signs investors should review. Among 418 Credit Services companies, HDB Financial Services ranks better than 68.42% on this metric.
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
HDB Financial Services EBITDA Margin % Related Terms
HDB Financial Services EBITDA Margin % Historical Data
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The historical data trend for HDB Financial Services's EBITDA Margin % 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.
BOM:544429 vs V, MA, AXP: EBITDA Margin % Comparison
For the Credit Services subindustry, HDB Financial Services's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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 EBITDA Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, HDB Financial Services's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where HDB Financial Services's EBITDA Margin % falls into.
* 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 (BOM:544429) has a EBITDA Margin % of 36.44% as of Jun. 2026. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on HDB Financial Services and its competitors. This is 10% below median its historical median of 40.28. Over the past decade, HDB Financial Services' EBITDA Margin % has ranged from 35.65 to 45.01. According to the industry distribution chart, HDB Financial Services ranks #132 out of 418 companies in the Credit Services industry, placing it in the top 31.6%.
Is HDB Financial Services' EBITDA Margin % too high?
HDB Financial Services' current EBITDA Margin % of 36.44% is 10% below median its 10-year median of 40.28. Over the past 10 years, this metric has ranged from a low of 35.65 to a high of 45.01. The Credit Services industry median EBITDA Margin % is 21.53. HDB Financial Services' value of 36.44% is 69.3% above this industry median. Based on the distribution chart, HDB Financial Services ranks #132 out of 418 companies in the Credit Services industry, which is above the industry midpoint. 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' EBITDA Margin % compare to V and MA?
According to the Credit Services industry distribution chart, HDB Financial Services ranks #132 out of 418 companies for EBITDA Margin %. This puts HDB Financial Services in the upper half of its industry. The industry median EBITDA Margin % is 21.53. HDB Financial Services' value of 36.44% is 69.3% above this benchmark. Historically, HDB Financial Services' own EBITDA Margin % has ranged from 35.65 to 45.01 over the past decade. While the company's 10-year median is 40.28 vs. the industry median of 21.53, 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 EBITDA Margin % for a Credit Services company?
The median EBITDA Margin % among Credit Services companies is 21.53, based on 418 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. HDB Financial Services's current EBITDA Margin % of 36.44% is 69.3% 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 EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on HDB Financial Services and its competitors. For the Credit Services industry, the median EBITDA Margin % is 21.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HDB Financial Services's current EBITDA Margin % is 36.44%, which is 10% below median its own 10-year median of 40.28. 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 (BOM:544429) has a current EBITDA Margin % of 36.44%. The current EBITDA Margin % is 36.44%, which is 10% below median its 10-year median of 40.28 and 69.3% above the Credit Services industry median of 21.53. 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 EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For HDB Financial Services (BOM:544429), the current EBITDA Margin % is 36.44% 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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