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Armada MercantileAAMTF 40 Debt-to-EBITDA is 0.03 as of Feb. 2026. GuruFocus rates AAMTF with a GF Score™ of 40/100 and a GF Value™ of $0.25 (Fairly Valued). The stock has 1 warning sign investors should review. Among 422 Capital Markets companies, Armada Mercantile ranks better than 84.12% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Armada Mercantile's Debt-to-EBITDA or its related term are showing as below:
AAMTF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -0.78 Med: 0 Max: 0.27
Current: 0.16
During the past 13 years, the highest Debt-to-EBITDA Ratio of Armada Mercantile was 0.27. The lowest was -0.78. And the median was 0.00.
AAMTF's Debt-to-EBITDA is ranked better than 84.12% of 422
companies
in the Capital Markets industry
Industry Median: 1.6
vs AAMTF: 0.16
Armada Mercantile (OTCPK:AAMTF) Debt-to-EBITDA Explanation
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Armada Mercantile Debt-to-EBITDA Related Terms
Armada Mercantile Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Armada Mercantile's Debt-to-EBITDA can be seen below:
* 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 Capital Markets subindustry, Armada Mercantile's Debt-to-EBITDA, along with its competitors' market caps and Debt-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.
Armada Mercantile Debt-to-EBITDA vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, Armada Mercantile's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Armada Mercantile's Debt-to-EBITDA falls into.
* 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Feb. 2026) EBITDA data.
Armada Mercantile (AAMTF) has a Debt-to-EBITDA of 0.03 as of Feb. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Armada Mercantile. According to the industry distribution chart, Armada Mercantile ranks #67 out of 422 companies in the Capital Markets industry, placing it in the top 15.9%.
Is Armada Mercantile's Debt-to-EBITDA too high?
Armada Mercantile's current Debt-to-EBITDA is 0.03. The Capital Markets industry median Debt-to-EBITDA is 1.60. Armada Mercantile's value of 0.03 is 98.1% below this industry median. Based on the distribution chart, Armada Mercantile ranks #67 out of 422 companies in the Capital Markets industry, which is in the top quartile — a strong position relative to peers. Overall, Armada Mercantile has a GF Score™ of 40/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Armada Mercantile's Debt-to-EBITDA compare to MS and GS?
According to the Capital Markets industry distribution chart, Armada Mercantile ranks #67 out of 422 companies for Debt-to-EBITDA. This places Armada Mercantile in the top 16% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 1.60. Armada Mercantile's value of 0.03 is 98.1% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Capital Markets company?
The median Debt-to-EBITDA among Capital Markets companies is 1.60, based on 422 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Armada Mercantile's current Debt-to-EBITDA of 0.03 is 98.1% 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Armada Mercantile. For the Capital Markets industry, the median Debt-to-EBITDA is 1.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Armada Mercantile's current Debt-to-EBITDA is 0.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Armada Mercantile stock overvalued right now?
Based on GuruFocus' analysis, Armada Mercantile (AAMTF) is currently considered Fairly Valued. The stock's GF Value™ is $0.25, compared to a current price of $0.25 — trading right at its estimated fair value. The current Debt-to-EBITDA is 0.03 and 98.1% below the Capital Markets industry median of 1.60. Armada Mercantile's overall GF Score™ is 40/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Armada Mercantile (AAMTF), the current Debt-to-EBITDA is 0.03 as of Feb. 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 Armada Mercantile (AAMTF) Overvalued in 2026?
Based on GuruFocus' analysis, Armada Mercantile stock appears to be undervalued.
The current stock price of $0.25 is trading 0% below its estimated GF Value™ of $0.25.
GuruFocus considers Armada Mercantile to be Fairly Valued.
Key valuation signals for AAMTF:
Debt-to-EBITDA: 0.03
GF Value™: $0.25 vs. price of $0.25 (0% below fair value)
Industry Position: 98.1% below the Capital Markets median (#67 of 422)
No single metric tells the full story. See the AAMTF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Armada Mercantile Ltd is engaged in the business of investing in new and existing businesses and organizations. The company is a financial services company that focuses on merchant banking through its wholly-owned subsidiary Armada Group USA, Inc. The company, through its investment in Oxygen Funding, Inc. offers commercial finance services to companies; internationally, including account receivables "factoring", supply chain, equipment leasing, merchant cash advance and purchase order, and other types of specialized finance.
40GF Score
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