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Microlesson · 5-min read

EBIT-EPS-MPS Relationship

## Relationship between EBIT, EPS and MPS

### Core Objective

The basic objective of financial management is to design an appropriate capital structure that provides the highest wealth → measured by highest MPS, which in turn depends on EPS.

```

Capital Structure Decision → EPS → MPS → Shareholder Wealth

```

### How Financing Mix Affects EPS

Given a level of EBIT, EPS will differ under different financing mixes depending on the extent of debt financing. This happens due to the existence of fixed financial charges (interest on debt + fixed preference dividend).

### Trading on Equity (Favourable Leverage)

The effect of fixed financial charge on EPS depends on the relationship between:

  • Rate of return on assets (ROA) and
  • Rate of fixed financial charge (cost of debt/pref.)
ConditionEffect on EPSName
ROA > Cost of fixed-charge financingEPS increases with more debtFavourable Leverage / Trading on Equity
ROA < Cost of fixed-charge financingEPS decreases with more debtUnfavourable / Negative Leverage

### Choice between Debt vs Preference Shares

When choosing between debt financing and issuing preference shares, debt is generally preferred for two reasons:

1. Lower explicit cost — interest rate on debt is generally lower than fixed preference dividend rate.

2. Tax deductibility — interest is tax-deductible, so the after-tax (real) cost of debt is even lower than the cost of preference share capital (preference dividends are not tax-deductible).

### Formula Linkage

$$

EPS = \frac{(EBIT - Interest)(1 - t) - Preference\ Dividend}{Number\ of\ Equity\ Shares}

$$

$$

MPS = EPS \times P/E\ Ratio

$$

Worked example

### Example 1

Q (MTP 2 Sep 24 — 2 Marks): Explain the Relationship between EBIT-EPS-MPS.

A: The objective is to maximise shareholder wealth (MPS), which depends on EPS. For a given EBIT, EPS varies with the financing mix because of fixed financial charges (interest, preference dividend). If ROA > cost of fixed-charge financing → EPS rises with more debt (Trading on Equity / Favourable Leverage). If ROA < cost → EPS falls. Debt is preferred over preference shares because (i) interest rate < preference dividend rate, and (ii) interest is tax-deductible, lowering its after-tax cost.

### Example 2

Illustration: A firm with EBIT = ₹10 lakh, can choose Plan A (all equity, 1 lakh shares) or Plan B (₹50 lakh debt @10% + 50,000 shares). Assume tax 30%.

Plan A EPS = (10,00,000 × 0.70) / 1,00,000 = ₹7

Plan B EPS = (10,00,000 − 5,00,000) × 0.70 / 50,000 = ₹7

At this EBIT, both plans give equal EPS (= indifference point). Above this EBIT, Plan B's EPS exceeds Plan A → Trading on Equity is favourable.

⚠️ Common exam mistakes

  • Forgetting to compare ROA with the cost of fixed-charge financing (not just the gross interest rate) when assessing if leverage is favourable.
  • Stating preference dividend is tax-deductible — it is NOT (only debt interest is tax-deductible).
  • Confusing EBIT-EPS analysis (capital structure) with EBIT-EPS indifference point computation (separate exam concept).
Reference:
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