Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
MAS Financial ServicesNSE:MASFIN +0.85%82 EV-to-EBITDA is 33.39 as of Jul. 22, 2026, which is 51% above its 10-year median of 22.04. GuruFocus rates NSE:MASFIN with a GF Score™ of 82/100 and a GF Value™ of ₹439.29 (Modestly Undervalued). The stock has 8 warning signs investors should review. Among 325 Credit Services companies, MAS Financial Services ranks worse than 68.31% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, MAS Financial Services's enterprise value is ₹151,822 Mil.
MAS Financial Services's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was ₹4,547 Mil. Therefore, MAS Financial Services's EV-to-EBITDA for today is 33.39.
The historical rank and industry rank for MAS Financial Services's EV-to-EBITDA or its related term are showing as below:
NSE:MASFIN'
s EV-to-EBITDA Range Over the Past 10 Years
Min: 10.26 Med: 22.04 Max: 36.68
Current: 33.39
During the past 13 years, the highest EV-to-EBITDA of MAS Financial Services was 36.68. The lowest was 10.26. And the median was 22.04.
NSE:MASFIN's EV-to-EBITDA is ranked worse than 68.31% of 325
companies
in the Credit Services industry
Industry Median: 22.4
vs NSE:MASFIN: 33.39
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.
The "classic" EV-to-EBITDA is much better in capturing debt and net cash than the PE Ratio (TTM).
MAS Financial Services (NSE:MASFIN) EV-to-EBITDA Explanation
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.
MAS Financial Services's PE Ratio (TTM) for today is calculated as:
MAS Financial Services's share price for today is ₹320.95.
MAS Financial Services's Earnings per Share (Diluted) 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 ₹20.570.
* 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, MAS 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.
MAS Financial Services EV-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, MAS Financial Services's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where MAS Financial Services's EV-to-EBITDA falls into.
MAS Financial Services's current Enterprise Value is ₹151,822 Mil.
MAS Financial Services's EBITDA 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 ₹4,547 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-EBITDA of 33.39 as of Jul. 22, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on MAS Financial Services. This is 51% above median its historical median of 22.04. Over the past decade, MAS Financial Services' EV-to-EBITDA has ranged from 10.26 to 36.68. According to the industry distribution chart, MAS Financial Services ranks #222 out of 325 companies in the Credit Services industry, placing it in the top 68.3%.
Is MAS Financial Services' EV-to-EBITDA too high?
MAS Financial Services' current EV-to-EBITDA of 33.39 is 51% above median its 10-year median of 22.04. Over the past 10 years, this metric has ranged from a low of 10.26 to a high of 36.68. The Credit Services industry median EV-to-EBITDA is 22.40. MAS Financial Services' value of 33.39 is 49.1% above this industry median. Based on the distribution chart, MAS Financial Services ranks #222 out of 325 companies in the Credit Services industry, which is below the industry midpoint. Overall, MAS Financial Services has a GF Score™ of 82/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does MAS Financial Services' EV-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, MAS Financial Services ranks #222 out of 325 companies for EV-to-EBITDA. This places MAS Financial Services in the lower half of its industry. The industry median EV-to-EBITDA is 22.40. MAS Financial Services' value of 33.39 is 49.1% above this benchmark. Historically, MAS Financial Services' own EV-to-EBITDA has ranged from 10.26 to 36.68 over the past decade. While the company's 10-year median is 22.04 vs. the industry median of 22.40, 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-EBITDA for a Credit Services company?
The median EV-to-EBITDA among Credit Services companies is 22.40, based on 325 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. MAS Financial Services's current EV-to-EBITDA of 33.39 is 49.1% 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 MAS Financial Services. For the Credit Services industry, the median EV-to-EBITDA is 22.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MAS Financial Services's current EV-to-EBITDA is 33.39, which is 51% above median its own 10-year median of 22.04. 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 ₹439.29, compared to a current price of ₹320.95 — trading 26.9% below its estimated fair value. The current EV-to-EBITDA is 33.39, which is 51% above median its 10-year median of 22.04 and 49.1% above the Credit Services industry median of 22.40. MAS Financial Services' overall GF Score™ is 82/100 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-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For MAS Financial Services (NSE:MASFIN), the current EV-to-EBITDA is 33.39 as of Jul. 22, 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 ₹320.95 is trading 26.9% below its estimated GF Value™ of ₹439.29.
GuruFocus considers MAS Financial Services to be Modestly Undervalued.
Key valuation signals for NSE:MASFIN:
EV-to-EBITDA: 33.39 (51% above median its 10-year median of 22.04)
GF Value™: ₹439.29 vs. price of ₹320.95 (26.9% below fair value)
Industry Position: 49.1% above the Credit Services median (#222 of 325)
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.
82GF Score
Get the complete analysis for NSE:MASFIN
EV-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NSE:MASFIN has been successfully added to your 
