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Austriacard Holdings AGATH:ACAG +0.20%88 Debt-to-EBITDA is 1.68 as of Dec. 2025, which is 53% below its 10-year median of 3.61. GuruFocus rates ATH:ACAG with a GF Score™ of 88/100 and a GF Value™ of €6.62 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,726 Software companies, Austriacard Holdings AG ranks worse than 70.92% 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 Austriacard Holdings AG's Debt-to-EBITDA or its related term are showing as below:
ATH:ACAG'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 2.28 Med: 3.61 Max: 6.72
Current: 2.47
During the past 7 years, the highest Debt-to-EBITDA Ratio of Austriacard Holdings AG was 6.72. The lowest was 2.28. And the median was 3.61.
ATH:ACAG's Debt-to-EBITDA is ranked worse than 70.92% of 1726
companies
in the Software industry
Industry Median: 1.04
vs ATH:ACAG: 2.47
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.
Austriacard Holdings AG Debt-to-EBITDA Related Terms
Austriacard Holdings AG 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.
ATH:ACAG vs IBM, ACN, FISV: Debt-to-EBITDA Comparison
For the Information Technology Services subindustry, Austriacard Holdings AG'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.
Austriacard Holdings AG Debt-to-EBITDA vs Software Industry
For the Software industry and Technology sector, Austriacard Holdings AG's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Austriacard Holdings AG'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 (Dec. 2025) EBITDA data.
Austriacard Holdings AG (ATH:ACAG) has a Debt-to-EBITDA of 1.68 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 Austriacard Holdings AG. This is 53% below median its historical median of 3.61. Over the past decade, Austriacard Holdings AG's Debt-to-EBITDA has ranged from 2.28 to 6.72. According to the industry distribution chart, Austriacard Holdings AG ranks #1224 out of 1726 companies in the Software industry, placing it in the top 70.9%.
Is Austriacard Holdings AG's Debt-to-EBITDA too high?
Austriacard Holdings AG's current Debt-to-EBITDA of 1.68 is 53% below median its 10-year median of 3.61. Over the past 10 years, this metric has ranged from a low of 2.28 to a high of 6.72. The Software industry median Debt-to-EBITDA is 1.04. Austriacard Holdings AG's value of 1.68 is 61.5% above this industry median. Based on the distribution chart, Austriacard Holdings AG ranks #1224 out of 1726 companies in the Software industry, which is below the industry midpoint. Overall, Austriacard Holdings AG has a GF Score™ of 88/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Austriacard Holdings AG's Debt-to-EBITDA compare to IBM and ACN?
According to the Software industry distribution chart, Austriacard Holdings AG ranks #1224 out of 1726 companies for Debt-to-EBITDA. This places Austriacard Holdings AG in the lower half of its industry. The industry median Debt-to-EBITDA is 1.04. Austriacard Holdings AG's value of 1.68 is 61.5% above this benchmark. Historically, Austriacard Holdings AG's own Debt-to-EBITDA has ranged from 2.28 to 6.72 over the past decade. While the company's 10-year median is 3.61 vs. the industry median of 1.04, Austriacard Holdings AG has consistently been above 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 Software company?
The median Debt-to-EBITDA among Software companies is 1.04, based on 1,726 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. Austriacard Holdings AG's current Debt-to-EBITDA of 1.68 is 61.5% above 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 Austriacard Holdings AG. For the Software industry, the median Debt-to-EBITDA is 1.04 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Austriacard Holdings AG's current Debt-to-EBITDA is 1.68, which is 53% below median its own 10-year median of 3.61. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Austriacard Holdings AG stock overvalued right now?
Based on GuruFocus' analysis, Austriacard Holdings AG (ATH:ACAG) is currently considered Significantly Overvalued. The stock's GF Value™ is €6.62, compared to a current price of €9.83 — trading 48.5% above its estimated fair value. The current Debt-to-EBITDA is 1.68, which is 53% below median its 10-year median of 3.61 and 61.5% above the Software industry median of 1.04. Austriacard Holdings AG's overall GF Score™ is 88/100 with 6 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 Austriacard Holdings AG (ATH:ACAG), the current Debt-to-EBITDA is 1.68 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 Austriacard Holdings AG (ATH:ACAG) Overvalued in 2026?
Based on GuruFocus' analysis, Austriacard Holdings AG stock appears to be overvalued.
The current stock price of €9.83 is trading 48.5% above its estimated GF Value™ of €6.62.
GuruFocus considers Austriacard Holdings AG to be Significantly Overvalued.
Key valuation signals for ATH:ACAG:
Debt-to-EBITDA: 1.68 (53% below median its 10-year median of 3.61)
GF Value™: €6.62 vs. price of €9.83 (48.5% above fair value)
Industry Position: 61.5% above the Software median (#1224 of 1726)
No single metric tells the full story. See the ATH:ACAG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Austriacard Holdings AG is a holistic applied technology company powered by artificial intelligence (AI). The Group's portfolio includes a wide range of solutions that demonstrate synergies across product lines. These include Identity & Payment Solutions, Digital Technologies, and Document Lifecycle Management. These solutions are offered to financial institutions, public and private sectors. The Group is now organized into three geographic segments: Central, Eastern Europe and DACH (CEE); Western Europe, Nordics and Americas (WEST); and Turkiye, Middle East and Africa (MEA). It derives maximum revenue from Central, Eastern Europe and DACH (CEE) segment. The solutions include: Payment Cards & Services, eGovernment & Authentication, Document Lifecycle Management, Book on Demand and Others.
88GF Score
Get the complete analysis for ATH:ACAG
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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