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Universal Store HoldingsASX:UNI 65 Debt-to-EBITDA is 0.65 as of Dec. 2025, which is 44% below its 10-year median of 1.16. GuruFocus rates ASX:UNI with a GF Score™ of 65/100 and a GF Value™ of A$8.10 (Fairly Valued). The stock has 1 warning sign investors should review. Among 904 Retail - Cyclical companies, Universal Store Holdings ranks better than 80.31% 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 Universal Store Holdings's Debt-to-EBITDA or its related term are showing as below:
ASX:UNI'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.84 Med: 1.16 Max: 1.23
Current: 0.84
During the past 6 years, the highest Debt-to-EBITDA Ratio of Universal Store Holdings was 1.23. The lowest was 0.84. And the median was 1.16.
ASX:UNI's Debt-to-EBITDA is ranked better than 80.31% of 904
companies
in the Retail - Cyclical industry
Industry Median: 2.4
vs ASX:UNI: 0.84
Universal Store Holdings (ASX:UNI) 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.
Universal Store Holdings Debt-to-EBITDA Related Terms
Universal Store Holdings Debt-to-EBITDA Historical Data
* 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:UNI vs TJX, ROST, BURL: Debt-to-EBITDA Comparison
For the Apparel Retail subindustry, Universal Store 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.
Universal Store Holdings Debt-to-EBITDA vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Universal Store Holdings's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Universal Store 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.
Universal Store Holdings (ASX:UNI) has a Debt-to-EBITDA of 0.65 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 Universal Store Holdings. This is 44% below median its historical median of 1.16. Over the past decade, Universal Store Holdings' Debt-to-EBITDA has ranged from 0.84 to 1.23. According to the industry distribution chart, Universal Store Holdings ranks #178 out of 904 companies in the Retail - Cyclical industry, placing it in the top 19.7%.
Is Universal Store Holdings' Debt-to-EBITDA too high?
Universal Store Holdings' current Debt-to-EBITDA of 0.65 is 44% below median its 10-year median of 1.16. Over the past 10 years, this metric has ranged from a low of 0.84 to a high of 1.23. The Retail - Cyclical industry median Debt-to-EBITDA is 2.40. Universal Store Holdings' value of 0.65 is 72.9% below this industry median. Based on the distribution chart, Universal Store Holdings ranks #178 out of 904 companies in the Retail - Cyclical industry, which is in the top quartile — a strong position relative to peers. Overall, Universal Store Holdings has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Universal Store Holdings' Debt-to-EBITDA compare to TJX and ROST?
According to the Retail - Cyclical industry distribution chart, Universal Store Holdings ranks #178 out of 904 companies for Debt-to-EBITDA. This places Universal Store Holdings in the top 20% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 2.40. Universal Store Holdings' value of 0.65 is 72.9% below this benchmark. Historically, Universal Store Holdings' own Debt-to-EBITDA has ranged from 0.84 to 1.23 over the past decade. While the company's 10-year median is 1.16 vs. the industry median of 2.40, Universal Store 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 904 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. Universal Store Holdings's current Debt-to-EBITDA of 0.65 is 72.9% 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 Universal Store 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. Universal Store Holdings's current Debt-to-EBITDA is 0.65, which is 44% below median its own 10-year median of 1.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Universal Store Holdings stock overvalued right now?
Based on GuruFocus' analysis, Universal Store Holdings (ASX:UNI) is currently considered Fairly Valued. The stock's GF Value™ is A$8.10, compared to a current price of A$7.38 — trading 8.9% below its estimated fair value. The current Debt-to-EBITDA is 0.65, which is 44% below median its 10-year median of 1.16 and 72.9% below the Retail - Cyclical industry median of 2.40. Universal Store Holdings' overall GF Score™ is 65/100 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 Universal Store Holdings (ASX:UNI), the current Debt-to-EBITDA is 0.65 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 Universal Store Holdings (ASX:UNI) Overvalued in 2026?
Based on GuruFocus' analysis, Universal Store Holdings stock appears to be undervalued.
The current stock price of A$7.38 is trading 8.9% below its estimated GF Value™ of A$8.10.
GuruFocus considers Universal Store Holdings to be Fairly Valued.
Key valuation signals for ASX:UNI:
Debt-to-EBITDA: 0.65 (44% below median its 10-year median of 1.16)
GF Value™: A$8.10 vs. price of A$7.38 (8.9% below fair value)
Industry Position: 72.9% below the Retail - Cyclical median (#178 of 904)
No single metric tells the full story. See the ASX:UNI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Universal Store Holdings Ltd is a specialty retailer of youth casual apparel. It offers casual apparel, footwear, and accessories to the customers. The company brand portfolio includes Champion, Perfect Stranger, Tommy Jeans, Kiss Chacey, Thrills, Barney Cools, and others. The company has two reportable segments namely, Universal store, and CTC. The majority of revenue is generated from the Universal store.
65GF Score
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