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Marisa LojasBSP:AMAR3 -3.28%26 Debt-to-EBITDA is 3.73 as of Mar. 2026, which is 11% above its 10-year median of 3.35. GuruFocus rates BSP:AMAR3 with a GF Score™ of 26/100 and a GF Value™ of R$0.34 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 904 Retail - Cyclical companies, Marisa Lojas ranks better than 57.74% 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 Marisa Lojas's Debt-to-EBITDA or its related term are showing as below:
BSP:AMAR3'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -87.78 Med: 3.35 Max: 10.54
Current: 1.96
During the past 13 years, the highest Debt-to-EBITDA Ratio of Marisa Lojas was 10.54. The lowest was -87.78. And the median was 3.35.
BSP:AMAR3's Debt-to-EBITDA is ranked better than 57.74% of 904
companies
in the Retail - Cyclical industry
Industry Median: 2.4
vs BSP:AMAR3: 1.96
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.
Marisa Lojas Debt-to-EBITDA Related Terms
Marisa Lojas Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Marisa Lojas'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.
BSP:AMAR3 vs TJX, ROST, BURL: Debt-to-EBITDA Comparison
For the Apparel Retail subindustry, Marisa Lojas'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.
Marisa Lojas Debt-to-EBITDA vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Marisa Lojas's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Marisa Lojas'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.
Marisa Lojas (BSP:AMAR3) has a Debt-to-EBITDA of 3.73 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 Marisa Lojas. This is 11% above median its historical median of 3.35. According to the industry distribution chart, Marisa Lojas ranks #382 out of 904 companies in the Retail - Cyclical industry, placing it in the top 42.3%.
Is Marisa Lojas' Debt-to-EBITDA too high?
Marisa Lojas' current Debt-to-EBITDA of 3.73 is 11% above median its 10-year median of 3.35. The Retail - Cyclical industry median Debt-to-EBITDA is 2.40. Marisa Lojas' value of 3.73 is 55.4% above this industry median. Based on the distribution chart, Marisa Lojas ranks #382 out of 904 companies in the Retail - Cyclical industry, which is above the industry midpoint. Overall, Marisa Lojas has a GF Score™ of 26/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Marisa Lojas' Debt-to-EBITDA compare to TJX and ROST?
According to the Retail - Cyclical industry distribution chart, Marisa Lojas ranks #382 out of 904 companies for Debt-to-EBITDA. This puts Marisa Lojas in the upper half of its industry. The industry median Debt-to-EBITDA is 2.40. Marisa Lojas' value of 3.73 is 55.4% above this benchmark. While the company's 10-year median is 3.35 vs. the industry median of 2.40, Marisa Lojas 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 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. Marisa Lojas's current Debt-to-EBITDA of 3.73 is 55.4% 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 Marisa Lojas. 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. Marisa Lojas's current Debt-to-EBITDA is 3.73, which is 11% above median its own 10-year median of 3.35. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Marisa Lojas stock overvalued right now?
Based on GuruFocus' analysis, Marisa Lojas (BSP:AMAR3) is currently considered Significantly Overvalued. The stock's GF Value™ is R$0.34, compared to a current price of R$0.59 — trading 73.5% above its estimated fair value. The current Debt-to-EBITDA is 3.73, which is 11% above median its 10-year median of 3.35 and 55.4% above the Retail - Cyclical industry median of 2.40. Marisa Lojas' overall GF Score™ is 26/100 with 5 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 Marisa Lojas (BSP:AMAR3), the current Debt-to-EBITDA is 3.73 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 Marisa Lojas (BSP:AMAR3) Overvalued in 2026?
Based on GuruFocus' analysis, Marisa Lojas stock appears to be overvalued.
The current stock price of R$0.59 is trading 73.5% above its estimated GF Value™ of R$0.34.
GuruFocus considers Marisa Lojas to be Significantly Overvalued.
Key valuation signals for BSP:AMAR3:
Debt-to-EBITDA: 3.73 (11% above median its 10-year median of 3.35)
GF Value™: R$0.34 vs. price of R$0.59 (73.5% above fair value)
Industry Position: 55.4% above the Retail - Cyclical median (#382 of 904)
No single metric tells the full story. See the BSP:AMAR3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Marisa Lojas SA is a retail store operator in Brazil. Its stores offer products related to fashion, underwear, footwear, and accessories for women, men, and children. Its products also include beds, tablecloths, children's bathrobes, and towels for home use. The company's income derives from three operating segments. The retail segment, which is the key revenue generator, includes the sale of clothing items, perfumes, beauty products, and watches, in physical stores and e-commerce. The credit card transactions segment is managed by the subsidiary and offered to the company's clients for the credit purchase of products, insurance, and payment of bills. The consumer credit segment offers personal loans to the company's consumers.
26GF Score
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Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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