Usha Financial ServicesNSE:USHAFIN 12 EBITDA Margin % is 53.01% as of Mar. 2026, which is 54% above its 10-year median of 34.36. GuruFocus rates NSE:USHAFIN with a GF Score™ of 12/100. The stock has 3 warning signs investors should review. Among 414 Credit Services companies, Usha Financial Services ranks better than 80.92% 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.
Usha Financial Services EBITDA Margin % Related Terms
Usha Financial Services EBITDA Margin % Historical Data
* 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:USHAFIN vs V, MA, AXP: EBITDA Margin % Comparison
For the Credit Services subindustry, Usha 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.
Usha Financial Services EBITDA Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Usha Financial Services's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where Usha 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.
Usha Financial Services (NSE:USHAFIN) has a EBITDA Margin % of 53.01% 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 Usha Financial Services and its competitors. This is 54% above median its historical median of 34.36. Over the past decade, Usha Financial Services' EBITDA Margin % has ranged from 23.27 to 51.64. According to the industry distribution chart, Usha Financial Services ranks #79 out of 414 companies in the Credit Services industry, placing it in the top 19.1%.
Is Usha Financial Services' EBITDA Margin % too high?
Usha Financial Services' current EBITDA Margin % of 53.01% is 54% above median its 10-year median of 34.36. Over the past 10 years, this metric has ranged from a low of 23.27 to a high of 51.64. The Credit Services industry median EBITDA Margin % is 20.91. Usha Financial Services' value of 53.01% is 153.5% above this industry median. Based on the distribution chart, Usha Financial Services ranks #79 out of 414 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Usha Financial Services has a GF Score™ of 12/100, reflecting its overall financial health beyond just this single metric.
How does Usha Financial Services' EBITDA Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Usha Financial Services ranks #79 out of 414 companies for EBITDA Margin %. This places Usha Financial Services in the top 19% of its industry — outperforming the majority of peers. The industry median EBITDA Margin % is 20.91. Usha Financial Services' value of 53.01% is 153.5% above this benchmark. Historically, Usha Financial Services' own EBITDA Margin % has ranged from 23.27 to 51.64 over the past decade. While the company's 10-year median is 34.36 vs. the industry median of 20.91, Usha 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 20.91, based on 414 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. Usha Financial Services's current EBITDA Margin % of 53.01% is 153.5% 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 Usha Financial Services and its competitors. For the Credit Services industry, the median EBITDA Margin % is 20.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Usha Financial Services's current EBITDA Margin % is 53.01%, which is 54% above median its own 10-year median of 34.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Usha Financial Services stock overvalued right now?
Usha Financial Services (NSE:USHAFIN) has a current EBITDA Margin % of 53.01%. The current EBITDA Margin % is 53.01%, which is 54% above median its 10-year median of 34.36 and 153.5% above the Credit Services industry median of 20.91. Usha Financial Services' overall GF Score™ is 12/100 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 Usha Financial Services (NSE:USHAFIN), the current EBITDA Margin % is 53.01% 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.
Usha Financial Services Ltd is a non-banking finance company. It provides lending solutions to fellow NBFCs, corporates, MSMEs, and individuals, particularly to women entrepreneurs. The company's services also extend to Electric vehicle (EV) financing. It provides diversified financial products to individuals, bodies corporates, NBFCs, and MSMEs.
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