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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 Ad-Manum Finance's Debt-to-EBITDA or its related term are showing as below:
BOM:511359'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -234.19 Med: 1.68 Max: 12.22
Current: 2
During the past 13 years, the highest Debt-to-EBITDA Ratio of Ad-Manum Finance was 12.22. The lowest was -234.19. And the median was 1.68.
BOM:511359's Debt-to-EBITDA is ranked better than 77.62% of 286
companies
in the Credit Services industry
Industry Median: 8.745
vs BOM:511359: 2.00
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.
Ad-Manum Finance Debt-to-EBITDA Related Terms
Ad-Manum Finance Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Ad-Manum Finance'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.
BOM:511359 vs V, MA, AXP: Debt-to-EBITDA Comparison
For the Credit Services subindustry, Ad-Manum Finance'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.
Ad-Manum Finance Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Ad-Manum Finance's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Ad-Manum Finance'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 (Jun. 2026) EBITDA data.
Ad-Manum Finance (BOM:511359) has a Debt-to-EBITDA of 0.00 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Ad-Manum Finance. According to the industry distribution chart, Ad-Manum Finance ranks #64 out of 286 companies in the Credit Services industry, placing it in the top 22.4%.
Is Ad-Manum Finance's Debt-to-EBITDA too high?
Ad-Manum Finance's current Debt-to-EBITDA is 0.00. Based on the distribution chart, Ad-Manum Finance ranks #64 out of 286 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Ad-Manum Finance has a GF Score™ of 63/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Ad-Manum Finance's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Ad-Manum Finance ranks #64 out of 286 companies for Debt-to-EBITDA. This places Ad-Manum Finance in the top 22% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 8.75. 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 8.75, based on 286 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. 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 Ad-Manum Finance. For the Credit Services industry, the median Debt-to-EBITDA is 8.75 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ad-Manum Finance's current Debt-to-EBITDA is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ad-Manum Finance stock overvalued right now?
Based on GuruFocus' analysis, Ad-Manum Finance (BOM:511359) is currently considered Possible Value Trap. The stock's GF Value™ is ₹83.08, compared to a current price of ₹53.01 — trading 36.2% below its estimated fair value. The current Debt-to-EBITDA is 0.00. Ad-Manum Finance's overall GF Score™ is 63/100 with 3 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 Ad-Manum Finance (BOM:511359), the current Debt-to-EBITDA is 0.00 as of Jun. 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 Ad-Manum Finance (BOM:511359) Overvalued in 2026?
Based on GuruFocus' analysis, Ad-Manum Finance stock appears to be undervalued.
The current stock price of ₹53.01 is trading 36.2% below its estimated GF Value™ of ₹83.08.
GuruFocus considers Ad-Manum Finance to be Possible Value Trap.
Key valuation signals for BOM:511359:
Debt-to-EBITDA: 0.00
GF Value™: ₹83.08 vs. price of ₹53.01 (36.2% below fair value)
No single metric tells the full story. See the BOM:511359 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ad-Manum Finance Ltd is a non-banking finance company which provides financing services for commercial vehicles in India. The company operates through two segments, Financial and Wind Power Generation. It finances various old and new vehicles, such as heavy commercial vehicles, light commercial vehicles, medium commercial vehicles, multi-utility vehicles, and three wheelers. The company derives a majority of revenue from Financial/Investment segment.
63GF Score
Get the complete analysis for BOM:511359
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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