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Usha Financial ServicesNSE:USHAFIN +0.66%13 EV-to-EBITDA is 13.44 as of Aug. 26, 2026, which is 8% above its 10-year median of 12.43. GuruFocus rates NSE:USHAFIN with a GF Score™ of 13/100. The stock has 4 warning signs investors should review. Among 326 Credit Services companies, Usha Financial Services ranks better than 62.58% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Usha Financial Services's enterprise value is ₹3,695.4 Mil.
Usha Financial Services's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was ₹275.0 Mil. Therefore, Usha Financial Services's EV-to-EBITDA for today is 13.44.
The historical rank and industry rank for Usha Financial Services's EV-to-EBITDA or its related term are showing as below:
NSE:USHAFIN'
s EV-to-EBITDA Range Over the Past 10 Years
Min: 3.66 Med: 12.43 Max: 85.97
Current: 13.44
During the past 5 years, the highest EV-to-EBITDA of Usha Financial Services was 85.97. The lowest was 3.66. And the median was 12.43.
NSE:USHAFIN's EV-to-EBITDA is ranked better than 62.58% of 326
companies
in the Credit Services industry
Industry Median: 20.875
vs NSE:USHAFIN: 13.44
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.
Usha Financial Services's PE Ratio (TTM) for today is calculated as:
Usha Financial Services's share price for today is ₹46.00.
Usha 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 ₹3.940.
* 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.
NSE:USHAFIN vs V, MA, AXP: EV-to-EBITDA Comparison
For the Credit Services subindustry, Usha 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.
Usha Financial Services EV-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Usha Financial Services's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Usha Financial Services's EV-to-EBITDA falls into.
Usha Financial Services's current Enterprise Value is ₹3,695.4 Mil.
Usha 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 ₹275.0 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-EBITDA of 13.44 as of Aug. 26, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Usha Financial Services. This is near median its historical median of 12.43. Over the past decade, Usha Financial Services' EV-to-EBITDA has ranged from 3.66 to 85.97. According to the industry distribution chart, Usha Financial Services ranks #122 out of 326 companies in the Credit Services industry, placing it in the top 37.4%.
Is Usha Financial Services' EV-to-EBITDA too high?
Usha Financial Services' current EV-to-EBITDA of 13.44 is near median its 10-year median of 12.43. Over the past 10 years, this metric has ranged from a low of 3.66 to a high of 85.97. The Credit Services industry median EV-to-EBITDA is 20.88. Usha Financial Services' value of 13.44 is 35.6% below this industry median. Based on the distribution chart, Usha Financial Services ranks #122 out of 326 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-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Usha Financial Services ranks #122 out of 326 companies for EV-to-EBITDA. This puts Usha Financial Services in the upper half of its industry. The industry median EV-to-EBITDA is 20.88. Usha Financial Services' value of 13.44 is 35.6% below this benchmark. Historically, Usha Financial Services' own EV-to-EBITDA has ranged from 3.66 to 85.97 over the past decade. While the company's 10-year median is 12.43 vs. the industry median of 20.88, 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-EBITDA for a Credit Services company?
The median EV-to-EBITDA among Credit Services companies is 20.88, based on 326 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. Usha Financial Services's current EV-to-EBITDA of 13.44 is 35.6% 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-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 Usha Financial Services. For the Credit Services industry, the median EV-to-EBITDA is 20.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Usha Financial Services's current EV-to-EBITDA is 13.44, which is near median its own 10-year median of 12.43. 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-EBITDA of 13.44. The current EV-to-EBITDA is 13.44, which is near median its 10-year median of 12.43 and 35.6% below the Credit Services industry median of 20.88. 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-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Usha Financial Services (NSE:USHAFIN), the current EV-to-EBITDA is 13.44 as of Aug. 26, 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.
13GF Score
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