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HDB Financial ServicesNSE:HDBFS +0.79%9 EV-to-EBITDA is 22.44 as of Aug. 03, 2026, which is 78% above its 10-year median of 12.62. GuruFocus rates NSE:HDBFS with a GF Score™ of 9/100. The stock has 3 warning signs investors should review. Among 327 Credit Services companies, HDB Financial Services ranks worse than 51.38% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, HDB Financial Services's enterprise value is ₹1,509,396 Mil.
HDB Financial Services's EBITDA for the trailing twelve months (TTM) ended in Jun. 2026 was ₹67,249 Mil. Therefore, HDB Financial Services's EV-to-EBITDA for today is 22.44.
The historical rank and industry rank for HDB Financial Services's EV-to-EBITDA or its related term are showing as below:
NSE:HDBFS'
s EV-to-EBITDA Range Over the Past 10 Years
Min: 8.19 Med: 12.62 Max: 25.83
Current: 22.44
During the past 4 years, the highest EV-to-EBITDA of HDB Financial Services was 25.83. The lowest was 8.19. And the median was 12.62.
NSE:HDBFS's EV-to-EBITDA is ranked worse than 51.38% of 327
companies
in the Credit Services industry
Industry Median: 21.79
vs NSE:HDBFS: 22.44
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
HDB Financial Services's PE Ratio (TTM) for today is calculated as:
HDB Financial Services's share price for today is ₹686.35.
HDB Financial Services's Earnings per Share (Diluted) 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 ₹33.170.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
* 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, HDB Financial Services's EV-to-EBITDA, along with its competitors' market caps and EV-to-EBITDA 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.
HDB Financial Services EV-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, HDB Financial Services's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where HDB Financial Services's EV-to-EBITDA falls into.
HDB Financial Services's current Enterprise Value is ₹1,509,396 Mil.
HDB Financial Services's EBITDA 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 ₹67,249 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.
HDB Financial Services (NSE:HDBFS) has a EV-to-EBITDA of 22.44 as of Aug. 03, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on HDB Financial Services. This is 78% above median its historical median of 12.62. Over the past decade, HDB Financial Services' EV-to-EBITDA has ranged from 8.19 to 25.83. According to the industry distribution chart, HDB Financial Services ranks #168 out of 327 companies in the Credit Services industry, placing it in the top 51.4%.
Is HDB Financial Services' EV-to-EBITDA too high?
HDB Financial Services' current EV-to-EBITDA of 22.44 is 78% above median its 10-year median of 12.62. Over the past 10 years, this metric has ranged from a low of 8.19 to a high of 25.83. The Credit Services industry median EV-to-EBITDA is 21.79. HDB Financial Services' value of 22.44 is 3% above this industry median. Based on the distribution chart, HDB Financial Services ranks #168 out of 327 companies in the Credit Services industry, which is below the industry midpoint. Overall, HDB Financial Services has a GF Score™ of 9/100, reflecting its overall financial health beyond just this single metric.
How does HDB Financial Services' EV-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, HDB Financial Services ranks #168 out of 327 companies for EV-to-EBITDA. This places HDB Financial Services in the lower half of its industry. The industry median EV-to-EBITDA is 21.79. HDB Financial Services' value of 22.44 is 3% above this benchmark. Historically, HDB Financial Services' own EV-to-EBITDA has ranged from 8.19 to 25.83 over the past decade. While the company's 10-year median is 12.62 vs. the industry median of 21.79, HDB 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-EBITDA for a Credit Services company?
The median EV-to-EBITDA among Credit Services companies is 21.79, based on 327 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. HDB Financial Services's current EV-to-EBITDA of 22.44 is 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-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on HDB Financial Services. For the Credit Services industry, the median EV-to-EBITDA is 21.79 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HDB Financial Services's current EV-to-EBITDA is 22.44, which is 78% above median its own 10-year median of 12.62. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is HDB Financial Services stock overvalued right now?
HDB Financial Services (NSE:HDBFS) has a current EV-to-EBITDA of 22.44. The current EV-to-EBITDA is 22.44, which is 78% above median its 10-year median of 12.62 and 3% above the Credit Services industry median of 21.79. HDB Financial Services' overall GF Score™ is 9/100 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-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For HDB Financial Services (NSE:HDBFS), the current EV-to-EBITDA is 22.44 as of Aug. 03, 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.
HDB Financial Services Ltd is a non-banking finance company that provides lending services and business process outsourcing. The company also offers services related to the marketing and promotion of various financial products. Additionally, it provides BPO services that encompass back-office services such as form processing, document verification, finance and accounting services, and correspondence management, as well as front-office services including contact center management, outbound marketing, and collection services. The company's operating segments are: Lending services and BPO services. The majority of its revenue is generated from the Lending services segment, which includes providing finance to retail customers for a variety of purposes. Its operations are concentrated in India.
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