Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
SolvarASX:SVR -0.32%84 Debt-to-EBITDA is 6.11 as of Dec. 2025, which is 57% above its 10-year median of 3.90. GuruFocus rates ASX:SVR with a GF Score™ of 84/100 and a GF Value™ of A$1.39 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 282 Credit Services companies, Solvar ranks better than 60.28% 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 Solvar's Debt-to-EBITDA or its related term are showing as below:
ASX:SVR'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.38 Med: 3.9 Max: 14.93
Current: 6.3
During the past 13 years, the highest Debt-to-EBITDA Ratio of Solvar was 14.93. The lowest was 1.38. And the median was 3.90.
ASX:SVR's Debt-to-EBITDA is ranked better than 60.28% of 282
companies
in the Credit Services industry
Industry Median: 9.3
vs ASX:SVR: 6.30
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.
Solvar Debt-to-EBITDA Related Terms
Solvar Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Solvar'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 Credit Services subindustry, Solvar'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.
Solvar Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Solvar's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Solvar'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.
Solvar (ASX:SVR) has a Debt-to-EBITDA of 6.11 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 Solvar. This is 57% above median its historical median of 3.90. Over the past decade, Solvar's Debt-to-EBITDA has ranged from 1.38 to 14.93. According to the industry distribution chart, Solvar ranks #112 out of 282 companies in the Credit Services industry, placing it in the top 39.7%.
Is Solvar's Debt-to-EBITDA too high?
Solvar's current Debt-to-EBITDA of 6.11 is 57% above median its 10-year median of 3.90. Over the past 10 years, this metric has ranged from a low of 1.38 to a high of 14.93. The Credit Services industry median Debt-to-EBITDA is 9.30. Solvar's value of 6.11 is 34.3% below this industry median. Based on the distribution chart, Solvar ranks #112 out of 282 companies in the Credit Services industry, which is above the industry midpoint. Overall, Solvar has a GF Score™ of 84/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Solvar's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Solvar ranks #112 out of 282 companies for Debt-to-EBITDA. This puts Solvar in the upper half of its industry. The industry median Debt-to-EBITDA is 9.30. Solvar's value of 6.11 is 34.3% below this benchmark. Historically, Solvar's own Debt-to-EBITDA has ranged from 1.38 to 14.93 over the past decade. While the company's 10-year median is 3.90 vs. the industry median of 9.30, Solvar 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 Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 9.30, based on 282 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. Solvar's current Debt-to-EBITDA of 6.11 is 34.3% 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 Solvar. For the Credit Services industry, the median Debt-to-EBITDA is 9.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Solvar's current Debt-to-EBITDA is 6.11, which is 57% above median its own 10-year median of 3.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Solvar stock overvalued right now?
Based on GuruFocus' analysis, Solvar (ASX:SVR) is currently considered Modestly Overvalued. The stock's GF Value™ is A$1.39, compared to a current price of A$1.58 — trading 13.7% above its estimated fair value. The current Debt-to-EBITDA is 6.11, which is 57% above median its 10-year median of 3.90 and 34.3% below the Credit Services industry median of 9.30. Solvar's overall GF Score™ is 84/100 with 8 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 Solvar (ASX:SVR), the current Debt-to-EBITDA is 6.11 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 Solvar (ASX:SVR) Overvalued in 2026?
Based on GuruFocus' analysis, Solvar stock appears to be overvalued.
The current stock price of A$1.58 is trading 13.7% above its estimated GF Value™ of A$1.39.
GuruFocus considers Solvar to be Modestly Overvalued.
Key valuation signals for ASX:SVR:
Debt-to-EBITDA: 6.11 (57% above median its 10-year median of 3.90)
GF Value™: A$1.39 vs. price of A$1.58 (13.7% above fair value)
Industry Position: 34.3% below the Credit Services median (#112 of 282)
No single metric tells the full story. See the ASX:SVR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Solvar Ltd is a financial services company specializing in providing finance and other related services to assist consumers with the purchase of a new or used vehicle, as well as offering personal loans to consumers. The group also provides strategic corporate customers with fleet funding facilities. Solvar's products and services can be accessed through brokers, dealers, and directly through its websites and referral partners. It operates through three core brands: Money3 and Automotive Financial Services in Australia and Go Car Finance in New Zealand. The group's operating segments are Australia and New Zealand. It generates maximum revenue from the Australia segment, which provides lending facilities in Australia, generally based on the provision of an underlying asset as security.
84GF Score
Get the complete analysis for ASX:SVR
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ASX:SVR has been successfully added to your 
