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Lovisa HoldingsASX:LOV -4.44%92 Debt-to-EBITDA is 1.46 as of Dec. 2025, which is 10% below its 10-year median of 1.62. GuruFocus rates ASX:LOV with a GF Score™ of 92/100 and a GF Value™ of A$39.68 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 902 Retail - Cyclical companies, Lovisa Holdings ranks better than 61.31% 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 Lovisa Holdings's Debt-to-EBITDA or its related term are showing as below:
ASX:LOV'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.04 Med: 1.62 Max: 2.19
Current: 1.77
During the past 11 years, the highest Debt-to-EBITDA Ratio of Lovisa Holdings was 2.19. The lowest was 0.04. And the median was 1.62.
ASX:LOV's Debt-to-EBITDA is ranked better than 61.31% of 902
companies
in the Retail - Cyclical industry
Industry Median: 2.4
vs ASX:LOV: 1.77
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.
Lovisa Holdings Debt-to-EBITDA Related Terms
Lovisa Holdings Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Lovisa Holdings'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.
ASX:LOV vs CASY, WSM, DKS: Debt-to-EBITDA Comparison
For the Specialty Retail subindustry, Lovisa Holdings'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.
Lovisa Holdings Debt-to-EBITDA vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Lovisa Holdings's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Lovisa Holdings'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 two times the quarterly (Dec. 2025) EBITDA data.
Lovisa Holdings (ASX:LOV) has a Debt-to-EBITDA of 1.46 as of Dec. 2025. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Lovisa Holdings. This is 10% below median its historical median of 1.62. Over the past decade, Lovisa Holdings' Debt-to-EBITDA has ranged from 0.04 to 2.19. According to the industry distribution chart, Lovisa Holdings ranks #349 out of 902 companies in the Retail - Cyclical industry, placing it in the top 38.7%.
Is Lovisa Holdings' Debt-to-EBITDA too high?
Lovisa Holdings' current Debt-to-EBITDA of 1.46 is 10% below median its 10-year median of 1.62. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 2.19. The Retail - Cyclical industry median Debt-to-EBITDA is 2.40. Lovisa Holdings' value of 1.46 is 39.2% below this industry median. Based on the distribution chart, Lovisa Holdings ranks #349 out of 902 companies in the Retail - Cyclical industry, which is above the industry midpoint. Overall, Lovisa Holdings has a GF Score™ of 92/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Lovisa Holdings' Debt-to-EBITDA compare to CASY and WSM?
According to the Retail - Cyclical industry distribution chart, Lovisa Holdings ranks #349 out of 902 companies for Debt-to-EBITDA. This puts Lovisa Holdings in the upper half of its industry. The industry median Debt-to-EBITDA is 2.40. Lovisa Holdings' value of 1.46 is 39.2% below this benchmark. Historically, Lovisa Holdings' own Debt-to-EBITDA has ranged from 0.04 to 2.19 over the past decade. While the company's 10-year median is 1.62 vs. the industry median of 2.40, Lovisa Holdings 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 Debt-to-EBITDA for a Retail - Cyclical company?
The median Debt-to-EBITDA among Retail - Cyclical companies is 2.40, based on 902 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. Lovisa Holdings's current Debt-to-EBITDA of 1.46 is 39.2% 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 Lovisa Holdings. For the Retail - Cyclical industry, the median Debt-to-EBITDA is 2.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lovisa Holdings's current Debt-to-EBITDA is 1.46, which is 10% below median its own 10-year median of 1.62. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Lovisa Holdings stock overvalued right now?
Based on GuruFocus' analysis, Lovisa Holdings (ASX:LOV) is currently considered Significantly Undervalued. The stock's GF Value™ is A$39.68, compared to a current price of A$20.66 — trading 47.9% below its estimated fair value. The current Debt-to-EBITDA is 1.46, which is 10% below median its 10-year median of 1.62 and 39.2% below the Retail - Cyclical industry median of 2.40. Lovisa Holdings' overall GF Score™ is 92/100 with 2 warning signs 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 Lovisa Holdings (ASX:LOV), the current Debt-to-EBITDA is 1.46 as of Dec. 2025. 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 Lovisa Holdings (ASX:LOV) Overvalued in 2026?
Based on GuruFocus' analysis, Lovisa Holdings stock appears to be undervalued.
The current stock price of A$20.66 is trading 47.9% below its estimated GF Value™ of A$39.68.
GuruFocus considers Lovisa Holdings to be Significantly Undervalued.
Key valuation signals for ASX:LOV:
Debt-to-EBITDA: 1.46 (10% below median its 10-year median of 1.62)
GF Value™: A$39.68 vs. price of A$20.66 (47.9% below fair value)
Industry Position: 39.2% below the Retail - Cyclical median (#349 of 902)
No single metric tells the full story. See the ASX:LOV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Lovisa is a global fast-fashion retailer specializing in jewelry. A vertically integrated supply chain allows it to develop, source, and merchandise its exclusive products. Its target customer base is millennials seeking affordable and fashionable jewelry or receiving it as gifts. Lovisa's global network of own-operated and franchised stores span across more than 30 countries. Lovisa's sales growth record is largely underpinned by global store rollouts. The store format and offering is standardized globally, with stores typically in shopping centers and malls with relatively high foot traffic and sales per square meter. Lovisa also operates online stores and in-store piercing services in all its jurisdictions.
92GF Score
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Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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