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Dhruva Capital ServicesBOM:531237 -4.99%71 Debt-to-EBITDA is 29.59 as of Mar. 2026, which is 5590% above its 10-year median of 0.52. GuruFocus rates BOM:531237 with a GF Score™ of 71/100 and a GF Value™ of ₹351.22 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 283 Credit Services companies, Dhruva Capital Services ranks worse than 61.84% 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 Dhruva Capital Services's Debt-to-EBITDA or its related term are showing as below:
BOM:531237'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.34 Med: 0.52 Max: 13.15
Current: 13.15
During the past 13 years, the highest Debt-to-EBITDA Ratio of Dhruva Capital Services was 13.15. The lowest was 0.34. And the median was 0.52.
BOM:531237's Debt-to-EBITDA is ranked worse than 61.84% of 283
companies
in the Credit Services industry
Industry Median: 9.32
vs BOM:531237: 13.15
Dhruva Capital Services (BOM:531237) 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.
Dhruva Capital Services Debt-to-EBITDA Related Terms
Dhruva Capital Services 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.
BOM:531237 vs V, MA, AXP: Debt-to-EBITDA Comparison
For the Credit Services subindustry, Dhruva Capital Services'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.
Dhruva Capital Services Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Dhruva Capital Services's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Dhruva Capital Services'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.
Dhruva Capital Services (BOM:531237) has a Debt-to-EBITDA of 29.59 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 Dhruva Capital Services. This is 5590% above median its historical median of 0.52. Over the past decade, Dhruva Capital Services' Debt-to-EBITDA has ranged from 0.34 to 13.15. According to the industry distribution chart, Dhruva Capital Services ranks #175 out of 283 companies in the Credit Services industry, placing it in the top 61.8%.
Is Dhruva Capital Services' Debt-to-EBITDA too high?
Dhruva Capital Services' current Debt-to-EBITDA of 29.59 is 5590% above median its 10-year median of 0.52. Over the past 10 years, this metric has ranged from a low of 0.34 to a high of 13.15. The Credit Services industry median Debt-to-EBITDA is 9.32. Dhruva Capital Services' value of 29.59 is 217.5% above this industry median. Based on the distribution chart, Dhruva Capital Services ranks #175 out of 283 companies in the Credit Services industry, which is below the industry midpoint. Overall, Dhruva Capital Services has a GF Score™ of 71/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Dhruva Capital Services' Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Dhruva Capital Services ranks #175 out of 283 companies for Debt-to-EBITDA. This places Dhruva Capital Services in the lower half of its industry. The industry median Debt-to-EBITDA is 9.32. Dhruva Capital Services' value of 29.59 is 217.5% above this benchmark. Historically, Dhruva Capital Services' own Debt-to-EBITDA has ranged from 0.34 to 13.15 over the past decade. While the company's 10-year median is 0.52 vs. the industry median of 9.32, Dhruva Capital Services 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 Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 9.32, based on 283 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. Dhruva Capital Services's current Debt-to-EBITDA of 29.59 is 217.5% 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 Dhruva Capital Services. For the Credit Services industry, the median Debt-to-EBITDA is 9.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Dhruva Capital Services's current Debt-to-EBITDA is 29.59, which is 5590% above median its own 10-year median of 0.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Dhruva Capital Services stock overvalued right now?
Based on GuruFocus' analysis, Dhruva Capital Services (BOM:531237) is currently considered Possible Value Trap. The stock's GF Value™ is ₹351.22, compared to a current price of ₹193.35 — trading 44.9% below its estimated fair value. The current Debt-to-EBITDA is 29.59, which is 5590% above median its 10-year median of 0.52 and 217.5% above the Credit Services industry median of 9.32. Dhruva Capital Services' overall GF Score™ is 71/100 with 7 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 Dhruva Capital Services (BOM:531237), the current Debt-to-EBITDA is 29.59 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.
Is Dhruva Capital Services (BOM:531237) Overvalued in 2026?
Based on GuruFocus' analysis, Dhruva Capital Services stock appears to be undervalued.
The current stock price of ₹193.35 is trading 44.9% below its estimated GF Value™ of ₹351.22.
GuruFocus considers Dhruva Capital Services to be Possible Value Trap.
Key valuation signals for BOM:531237:
Debt-to-EBITDA: 29.59 (5590% above median its 10-year median of 0.52)
GF Value™: ₹351.22 vs. price of ₹193.35 (44.9% below fair value)
Industry Position: 217.5% above the Credit Services median (#175 of 283)
No single metric tells the full story. See the BOM:531237 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Dhruva Capital Services Ltd is an Indian Non-Banking Financial Company (NBFC) established in 1994 and headquartered in Udaipur, Rajasthan. The company is registered with the Reserve Bank of India and focuses on investment and financing activities. Its services include business and personal financing, loan against property, commercial vehicle loans, invoice discounting, construction finance, and lease rental discounting. Dhruva Capital serves both individual clients and business owners by offering tailored financial solutions to support business ventures and personal financial needs. Revenue is prominently generated through interest income and fees from its financing operations.
71GF Score
Get the complete analysis for BOM:531237
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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