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Gujarat CreditBOM:511441 +4.37%31 Debt-to-EBITDA is 17.74 as of Mar. 2026, which is 93% below its 10-year median of 271.56. GuruFocus rates BOM:511441 with a GF Score™ of 31/100. Among 1,278 Real Estate companies, Gujarat Credit ranks worse than 99.77% 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 Gujarat Credit's Debt-to-EBITDA or its related term are showing as below:
BOM:511441'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -44.03 Med: 271.56 Max: 998.49
Current: 987.92
During the past 13 years, the highest Debt-to-EBITDA Ratio of Gujarat Credit was 998.49. The lowest was -44.03. And the median was 271.56.
BOM:511441's Debt-to-EBITDA is ranked worse than 99.77% of 1278
companies
in the Real Estate industry
Industry Median: 5.56
vs BOM:511441: 987.92
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.
Gujarat Credit Debt-to-EBITDA Related Terms
Gujarat Credit Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Gujarat Credit'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 Real Estate - Development subindustry, Gujarat Credit'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.
Gujarat Credit Debt-to-EBITDA vs Real Estate Industry
For the Real Estate industry and Real Estate sector, Gujarat Credit's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Gujarat Credit'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 (Mar. 2026) EBITDA data.
Gujarat Credit (BOM:511441) has a Debt-to-EBITDA of 17.74 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Gujarat Credit. This is 93% below median its historical median of 271.56. According to the industry distribution chart, Gujarat Credit ranks #1275 out of 1278 companies in the Real Estate industry, placing it in the top 99.8%.
Is Gujarat Credit's Debt-to-EBITDA too high?
Gujarat Credit's current Debt-to-EBITDA of 17.74 is 93% below median its 10-year median of 271.56. The Real Estate industry median Debt-to-EBITDA is 5.56. Gujarat Credit's value of 17.74 is 219.1% above this industry median. Based on the distribution chart, Gujarat Credit ranks #1275 out of 1278 companies in the Real Estate industry, which is in the bottom quartile relative to peers. Overall, Gujarat Credit has a GF Score™ of 31/100, reflecting its overall financial health beyond just this single metric.
How does Gujarat Credit's Debt-to-EBITDA compare to competitors?
According to the Real Estate industry distribution chart, Gujarat Credit ranks #1275 out of 1278 companies for Debt-to-EBITDA. This places Gujarat Credit in the lower half of its industry. The industry median Debt-to-EBITDA is 5.56. Gujarat Credit's value of 17.74 is 219.1% above this benchmark. While the company's 10-year median is 271.56 vs. the industry median of 5.56, Gujarat Credit 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 Real Estate company?
The median Debt-to-EBITDA among Real Estate companies is 5.56, based on 1,278 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. Gujarat Credit's current Debt-to-EBITDA of 17.74 is 219.1% 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 Gujarat Credit. For the Real Estate industry, the median Debt-to-EBITDA is 5.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Gujarat Credit's current Debt-to-EBITDA is 17.74, which is 93% below median its own 10-year median of 271.56. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Gujarat Credit stock overvalued right now?
Gujarat Credit (BOM:511441) has a current Debt-to-EBITDA of 17.74. The current Debt-to-EBITDA is 17.74, which is 93% below median its 10-year median of 271.56 and 219.1% above the Real Estate industry median of 5.56. Gujarat Credit's overall GF Score™ is 31/100. 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 Gujarat Credit (BOM:511441), the current Debt-to-EBITDA is 17.74 as of Mar. 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.
Gujarat Credit Corp Ltd is engaged in the construction business and is also involved in the real estate development business. It has a portfolio of commercial and residential projects in Gujarat. The company is engaged in the business of trading Real Estate materials. Its services include site acquisition, design, and development, construction, marketing, and sales. The company has constructed a range of structures for corporates, including corporate offices. It focuses on asset classes, including Information Technology Parks, Special Economic Zones, and Townships.
31GF Score
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