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MAS Financial ServicesNSE:MASFIN -0.93%81 EV-to-EBIT is 33.67 as of Jul. 20, 2026, which is 52% above its 10-year median of 22.22. GuruFocus rates NSE:MASFIN with a GF Score™ of 81/100 and a GF Value™ of ₹438.51 (Modestly Undervalued). The stock has 8 warning signs investors should review. Among 312 Credit Services companies, MAS Financial Services ranks worse than 63.78% on this metric.
MAS Financial Services (NSE:MASFIN) EV-to-EBIT Explanation
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
MAS Financial Services's Enterprise Value for the quarter that ended in Mar. 2026 was ₹144,500 Mil.
MAS Financial Services's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹4,475 Mil.
* 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.
* 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.
For the Credit Services subindustry, MAS Financial Services's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Credit Services Industry
For the Credit Services industry and Financial Services sector, MAS Financial Services's EV-to-EBIT distribution charts can be found below:
* The bar in red indicates where MAS Financial Services's EV-to-EBIT falls into.
MAS Financial Services's current Enterprise Value is ₹150,652 Mil.
MAS Financial Services's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹4,475 Mil.
* 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 EV-to-EBIT of 33.67 as of Jul. 20, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on MAS Financial Services and its competitors. This is 52% above median its historical median of 22.22. Over the past decade, MAS Financial Services' EV-to-EBIT has ranged from 10.39 to 37.00. According to the industry distribution chart, MAS Financial Services ranks #199 out of 312 companies in the Credit Services industry, placing it in the top 63.8%.
Is MAS Financial Services' EV-to-EBIT too high?
MAS Financial Services' current EV-to-EBIT of 33.67 is 52% above median its 10-year median of 22.22. Over the past 10 years, this metric has ranged from a low of 10.39 to a high of 37.00. The Credit Services industry median EV-to-EBIT is 23.66. MAS Financial Services' value of 33.67 is 42.3% above this industry median. Based on the distribution chart, MAS Financial Services ranks #199 out of 312 companies in the Credit Services industry, which is below 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' EV-to-EBIT compare to V and MA?
According to the Credit Services industry distribution chart, MAS Financial Services ranks #199 out of 312 companies for EV-to-EBIT. This places MAS Financial Services in the lower half of its industry. The industry median EV-to-EBIT is 23.66. MAS Financial Services' value of 33.67 is 42.3% above this benchmark. Historically, MAS Financial Services' own EV-to-EBIT has ranged from 10.39 to 37.00 over the past decade. While the company's 10-year median is 22.22 vs. the industry median of 23.66, 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 EV-to-EBIT for a Credit Services company?
The median EV-to-EBIT among Credit Services companies is 23.66, based on 312 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. MAS Financial Services's current EV-to-EBIT of 33.67 is 42.3% 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on MAS Financial Services and its competitors. For the Credit Services industry, the median EV-to-EBIT is 23.66 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MAS Financial Services's current EV-to-EBIT is 33.67, which is 52% above median its own 10-year median of 22.22. 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 ₹438.51, compared to a current price of ₹313.80 — trading 28.4% below its estimated fair value. The current EV-to-EBIT is 33.67, which is 52% above median its 10-year median of 22.22 and 42.3% above the Credit Services industry median of 23.66. 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 EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For MAS Financial Services (NSE:MASFIN), the current EV-to-EBIT is 33.67 as of Jul. 20, 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 ₹313.80 is trading 28.4% below its estimated GF Value™ of ₹438.51.
GuruFocus considers MAS Financial Services to be Modestly Undervalued.
Key valuation signals for NSE:MASFIN:
EV-to-EBIT: 33.67 (52% above median its 10-year median of 22.22)
GF Value™: ₹438.51 vs. price of ₹313.80 (28.4% below fair value)
Industry Position: 42.3% above the Credit Services median (#199 of 312)
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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