HDB Financial Services Ltd
NSE:HDBFS
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EV/EBIT
Enterprise Value to EBIT (EV/EBIT) ratio compares a company`s total enterprise value to its earnings before interest and taxes. It shows how much investors are paying for each dollar of the company`s earnings, including both equity and debt.
Enterprise Value to EBIT (EV/EBIT) ratio compares a company`s total enterprise value to its earnings before interest and taxes. It shows how much investors are paying for each dollar of the company`s earnings, including both equity and debt.
Valuation Scenarios
If EV/EBIT returns to its 3-Year Average (11.9), the stock would be worth ₹706.98 (8% upside from current price).
| Scenario | EV/EBIT Value | Implied Price | Upside/Downside |
|---|---|---|---|
| Current Multiple | 11.1 | ₹655.15 |
0%
|
| 3-Year Average | 11.9 | ₹706.98 |
+8%
|
| 5-Year Average | 11.9 | ₹706.98 |
+8%
|
| Industry Average | 22.7 | ₹1 346.62 |
+106%
|
| Country Average | 23.3 | ₹1 377.3 |
+110%
|
Forward EV/EBIT
Today’s price vs future ebit
| Today's Enterprise Value | EBIT | Forward EV/EBIT | ||
|---|---|---|---|---|
|
₹1.5T
|
/ |
Apr 2026
₹129.7B
|
= |
|
|
₹1.5T
|
/ |
Mar 2027
₹73.3B
|
= |
|
|
₹1.5T
|
/ |
Mar 2028
₹86B
|
= |
|
Forward EV/EBIT shows whether today’s EV/EBIT still looks high or low once future ebit are taken into account.
Peer Comparison
| Market Cap | EV/EBIT | P/E | ||||
|---|---|---|---|---|---|---|
| IN |
H
|
HDB Financial Services Ltd
NSE:HDBFS
|
546.8B INR | 11.1 | 21.4 | |
| US |
|
American Express Co
NYSE:AXP
|
214.2B USD | 26.9 | 19.3 | |
| US |
|
Capital One Financial Corp
NYSE:COF
|
117.9B USD | 0 | 40.8 | |
| IN |
|
Bajaj Finance Ltd
NSE:BAJFINANCE
|
5.7T INR | 26.1 | 31.6 | |
| US |
|
Discover Financial Services
NYSE:DFS
|
50.3B USD | 0 | 9.1 | |
| US |
|
Synchrony Financial
NYSE:SYF
|
25.7B USD | 0 | 7.3 | |
| IN |
|
Shriram Finance Ltd
NSE:SHRIRAMFIN
|
2.4T INR | 26.3 | 23.7 | |
| US |
|
SoFi Technologies Inc
NASDAQ:SOFI
|
23.4B USD | 0 | 48.7 | |
| KZ |
K
|
Kaspi.kz AO
NASDAQ:KSPI
|
16.3B USD | 0 | 0 | |
| IN |
|
Muthoot Finance Ltd
NSE:MUTHOOTFIN
|
1.4T INR | 21.5 | 16 | |
| IN |
|
Tata Capital Ltd
NSE:TATACAP
|
1.4T INR | 12.6 | 32.1 |
Market Distribution
| Min | 0.4 |
| 30th Percentile | 15.7 |
| Median | 23.3 |
| 70th Percentile | 34.7 |
| Max | 48 145.1 |
Other Multiples
HDB Financial Services Ltd
Glance View
HDB Financial Services Ltd. engages in the provision of loan products and insurance services. The company is headquartered in Mumbai, Maharashtra and currently employs 60,432 full-time employees. The company went IPO on 2025-07-02. The firm offers a portfolio of lending products that cater to a diverse customer base through an omni-channel distribution network. Its lending products are offered through its three business verticals: Enterprise Lending, Asset Finance and Consumer Finance. Its Enterprise Lending products include business loans, loan against property (LAP), enterprise business loan (EBL), salaried personal loans (SPL), and gold loans. Its Asset Finance products include commercial vehicle loans, construction equipment loans and tractor loans. Its Consumer Finance products include Relationship Personal Loans, and Auto Loans. The company also offers business process outsourcing (BPO) services such as back-office support services, collection and sales support services to its promoter as well as fee-based products such as distribution of insurance products primarily to its lending customers.
