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MAS Financial ServicesNSE:MASFIN +1.57%82 EBITDA Margin % is 26.57% as of Mar. 2026, which is 37% below its 10-year median of 41.96. GuruFocus rates NSE:MASFIN with a GF Score™ of 82/100 and a GF Value™ of ₹437.60 (Modestly Undervalued). The stock has 8 warning signs investors should review. Among 415 Credit Services companies, MAS Financial Services ranks better than 55.42% on this metric.
MAS Financial Services (NSE:MASFIN) EBITDA Margin % Explanation
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.
MAS Financial Services EBITDA Margin % Related Terms
MAS Financial Services EBITDA Margin % Historical Data
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The historical data trend for MAS 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.
NSE:MASFIN vs V, MA, AXP: EBITDA Margin % Comparison
For the Credit Services subindustry, MAS 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.
MAS Financial Services EBITDA Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, MAS Financial Services's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where MAS 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.
MAS Financial Services (NSE:MASFIN) has a EBITDA Margin % of 26.57% as of Mar. 2026. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on MAS Financial Services and its competitors. This is 37% below median its historical median of 41.96. Over the past decade, MAS Financial Services' EBITDA Margin % has ranged from 25.83 to 57.96. According to the industry distribution chart, MAS Financial Services ranks #185 out of 415 companies in the Credit Services industry, placing it in the top 44.6%.
Is MAS Financial Services' EBITDA Margin % too high?
MAS Financial Services' current EBITDA Margin % of 26.57% is 37% below median its 10-year median of 41.96. Over the past 10 years, this metric has ranged from a low of 25.83 to a high of 57.96. The Credit Services industry median EBITDA Margin % is 21.22. MAS Financial Services' value of 26.57% is 25.2% above this industry median. Based on the distribution chart, MAS Financial Services ranks #185 out of 415 companies in the Credit Services industry, which is above the industry midpoint. Overall, MAS Financial Services has a GF Score™ of 82/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does MAS Financial Services' EBITDA Margin % compare to V and MA?
According to the Credit Services industry distribution chart, MAS Financial Services ranks #185 out of 415 companies for EBITDA Margin %. This puts MAS Financial Services in the upper half of its industry. The industry median EBITDA Margin % is 21.22. MAS Financial Services' value of 26.57% is 25.2% above this benchmark. Historically, MAS Financial Services' own EBITDA Margin % has ranged from 25.83 to 57.96 over the past decade. While the company's 10-year median is 41.96 vs. the industry median of 21.22, 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 EBITDA Margin % for a Credit Services company?
The median EBITDA Margin % among Credit Services companies is 21.22, based on 415 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. MAS Financial Services's current EBITDA Margin % of 26.57% is 25.2% 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 MAS Financial Services and its competitors. For the Credit Services industry, the median EBITDA Margin % is 21.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MAS Financial Services's current EBITDA Margin % is 26.57%, which is 37% below median its own 10-year median of 41.96. 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 ₹437.60, compared to a current price of ₹323.55 — trading 26.1% below its estimated fair value. The current EBITDA Margin % is 26.57%, which is 37% below median its 10-year median of 41.96 and 25.2% above the Credit Services industry median of 21.22. MAS Financial Services' overall GF Score™ is 82/100 with 8 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 MAS Financial Services (NSE:MASFIN), the current EBITDA Margin % is 26.57% 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 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 ₹323.55 is trading 26.1% below its estimated GF Value™ of ₹437.60.
GuruFocus considers MAS Financial Services to be Modestly Undervalued.
Key valuation signals for NSE:MASFIN:
EBITDA Margin %: 26.57% (37% below median its 10-year median of 41.96)
GF Value™: ₹437.60 vs. price of ₹323.55 (26.1% below fair value)
Industry Position: 25.2% above the Credit Services median (#185 of 415)
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.
82GF Score
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