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Usha Financial ServicesNSE:USHAFIN +1.56%13 EV-to-EBIT is 14.00 as of Aug. 25, 2026, which is 9% above its 10-year median of 12.83. GuruFocus rates NSE:USHAFIN with a GF Score™ of 13/100. The stock has 4 warning signs investors should review. Among 316 Credit Services companies, Usha Financial Services ranks better than 63.61% 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.
Usha Financial Services's Enterprise Value for the quarter that ended in Mar. 2026 was ₹3,018.9 Mil.
Usha 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 ₹263.0 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.
Usha Financial Services EV-to-EBIT Related Terms
Usha Financial Services EV-to-EBIT 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.
For the Credit Services subindustry, Usha 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.
Usha Financial Services EV-to-EBIT vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Usha Financial Services's EV-to-EBIT distribution charts can be found below:
* The bar in red indicates where Usha Financial Services's EV-to-EBIT falls into.
Usha Financial Services's current Enterprise Value is ₹3,682.4 Mil.
Usha 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 ₹263.0 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.
Usha Financial Services (NSE:USHAFIN) has a EV-to-EBIT of 14.00 as of Aug. 25, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Usha Financial Services and its competitors. This is near median its historical median of 12.83. Over the past decade, Usha Financial Services' EV-to-EBIT has ranged from 3.79 to 87.20. According to the industry distribution chart, Usha Financial Services ranks #115 out of 316 companies in the Credit Services industry, placing it in the top 36.4%.
Is Usha Financial Services' EV-to-EBIT too high?
Usha Financial Services' current EV-to-EBIT of 14.00 is near median its 10-year median of 12.83. Over the past 10 years, this metric has ranged from a low of 3.79 to a high of 87.20. The Credit Services industry median EV-to-EBIT is 22.28. Usha Financial Services' value of 14.00 is 37.2% below this industry median. Based on the distribution chart, Usha Financial Services ranks #115 out of 316 companies in the Credit Services industry, which is above the industry midpoint. Overall, Usha Financial Services has a GF Score™ of 13/100, reflecting its overall financial health beyond just this single metric.
How does Usha Financial Services' EV-to-EBIT compare to V and MA?
According to the Credit Services industry distribution chart, Usha Financial Services ranks #115 out of 316 companies for EV-to-EBIT. This puts Usha Financial Services in the upper half of its industry. The industry median EV-to-EBIT is 22.28. Usha Financial Services' value of 14.00 is 37.2% below this benchmark. Historically, Usha Financial Services' own EV-to-EBIT has ranged from 3.79 to 87.20 over the past decade. While the company's 10-year median is 12.83 vs. the industry median of 22.28, Usha Financial Services 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 22.28, 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. Usha Financial Services's current EV-to-EBIT of 14.00 is 37.2% 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 Usha Financial Services and its competitors. For the Credit Services industry, the median EV-to-EBIT is 22.28 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Usha Financial Services's current EV-to-EBIT is 14.00, which is near median its own 10-year median of 12.83. 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 EV-to-EBIT of 14.00. The current EV-to-EBIT is 14.00, which is near median its 10-year median of 12.83 and 37.2% below the Credit Services industry median of 22.28. Usha Financial Services' overall GF Score™ is 13/100 with 4 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 Usha Financial Services (NSE:USHAFIN), the current EV-to-EBIT is 14.00 as of Aug. 25, 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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