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SBFC FinanceNSE:SBFC -0.06%83 EV-to-EBIT is 21.70 as of Aug. 24, 2026, which is 25% below its 10-year median of 29.03. GuruFocus rates NSE:SBFC with a GF Score™ of 83/100 and a GF Value™ of ₹137.96 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 316 Credit Services companies, SBFC Finance ranks better than 50.95% on this metric.
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.
SBFC Finance's Enterprise Value for the quarter that ended in Jun. 2026 was ₹100,446 Mil.
SBFC Finance's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹7,755 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.
SBFC Finance EV-to-EBIT Related Terms
SBFC Finance EV-to-EBIT Historical Data
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The historical data trend for SBFC Finance's EV-to-EBIT 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.
For the Credit Services subindustry, SBFC Finance'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.
SBFC Finance EV-to-EBIT vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SBFC Finance's EV-to-EBIT distribution charts can be found below:
* The bar in red indicates where SBFC Finance's EV-to-EBIT falls into.
SBFC Finance's current Enterprise Value is ₹168,293 Mil.
SBFC Finance's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹7,755 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.
SBFC Finance (NSE:SBFC) has a EV-to-EBIT of 21.70 as of Aug. 24, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on SBFC Finance and its competitors. This is 25% below median its historical median of 29.03. Over the past decade, SBFC Finance's EV-to-EBIT has ranged from 12.99 to 62.26. According to the industry distribution chart, SBFC Finance ranks #155 out of 316 companies in the Credit Services industry, placing it in the top 49.1%.
Is SBFC Finance's EV-to-EBIT too high?
SBFC Finance's current EV-to-EBIT of 21.70 is 25% below median its 10-year median of 29.03. Over the past 10 years, this metric has ranged from a low of 12.99 to a high of 62.26. The Credit Services industry median EV-to-EBIT is 22.47. SBFC Finance's value of 21.70 is 3.4% below this industry median. Based on the distribution chart, SBFC Finance ranks #155 out of 316 companies in the Credit Services industry, which is above the industry midpoint. Overall, SBFC Finance has a GF Score™ of 83/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does SBFC Finance's EV-to-EBIT compare to V and MA?
According to the Credit Services industry distribution chart, SBFC Finance ranks #155 out of 316 companies for EV-to-EBIT. This puts SBFC Finance in the upper half of its industry. The industry median EV-to-EBIT is 22.47. SBFC Finance's value of 21.70 is 3.4% below this benchmark. Historically, SBFC Finance's own EV-to-EBIT has ranged from 12.99 to 62.26 over the past decade. While the company's 10-year median is 29.03 vs. the industry median of 22.47, SBFC Finance has consistently been below 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 22.47, based on 316 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. SBFC Finance's current EV-to-EBIT of 21.70 is 3.4% below 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 SBFC Finance and its competitors. For the Credit Services industry, the median EV-to-EBIT is 22.47 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SBFC Finance's current EV-to-EBIT is 21.70, which is 25% below median its own 10-year median of 29.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SBFC Finance stock overvalued right now?
Based on GuruFocus' analysis, SBFC Finance (NSE:SBFC) is currently considered Possible Value Trap. The stock's GF Value™ is ₹137.96, compared to a current price of ₹93.93 — trading 31.9% below its estimated fair value. The current EV-to-EBIT is 21.70, which is 25% below median its 10-year median of 29.03 and 3.4% below the Credit Services industry median of 22.47. SBFC Finance's overall GF Score™ is 83/100 with 3 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 SBFC Finance (NSE:SBFC), the current EV-to-EBIT is 21.70 as of Aug. 24, 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 SBFC Finance (NSE:SBFC) Overvalued in 2026?
Based on GuruFocus' analysis, SBFC Finance stock appears to be undervalued.
The current stock price of ₹93.93 is trading 31.9% below its estimated GF Value™ of ₹137.96.
GuruFocus considers SBFC Finance to be Possible Value Trap.
Key valuation signals for NSE:SBFC:
EV-to-EBIT: 21.70 (25% below median its 10-year median of 29.03)
GF Value™: ₹137.96 vs. price of ₹93.93 (31.9% below fair value)
Industry Position: 3.4% below the Credit Services median (#155 of 316)
No single metric tells the full story. See the NSE:SBFC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SBFC Finance Ltd is a systemically important, non-deposit-taking non-banking finance company offering Secured MSME Loans and Loans against Gold, with a majority of its borrowers being entrepreneurs, small business owners, self-employed individuals, salaried and working-class individuals. It has developed a PhyGital model which uses technology and authentic in-person service to create loans that support the ambitions of its customers. The company engages directly with small business owners and works through loan applications together, in person, at the customer's pace. The company generates the majority of its revenue from Interest Income.
83GF Score
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