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U Consumer FinanceCAI:VALU -2.09%28 Debt-to-EBITDA is 7.28 as of Dec. 2025, which is 36% below its 10-year median of 11.34. GuruFocus rates CAI:VALU with a GF Score™ of 28/100. The stock has 6 warning signs investors should review. Among 285 Credit Services companies, U Consumer Finance ranks worse than 51.23% 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 U Consumer Finance's Debt-to-EBITDA or its related term are showing as below:
CAI:VALU'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 8.86 Med: 11.34 Max: 12.33
Current: 8.87
During the past 3 years, the highest Debt-to-EBITDA Ratio of U Consumer Finance was 12.33. The lowest was 8.86. And the median was 11.34.
CAI:VALU's Debt-to-EBITDA is ranked worse than 51.23% of 285
companies
in the Credit Services industry
Industry Median: 8.69
vs CAI:VALU: 8.87
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.
U Consumer Finance Debt-to-EBITDA Related Terms
U Consumer Finance Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for U Consumer 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.
For the Credit Services subindustry, U Consumer 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.
U Consumer Finance Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, U Consumer Finance's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where U Consumer 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 (Dec. 2025) EBITDA data.
U Consumer Finance (CAI:VALU) has a Debt-to-EBITDA of 7.28 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 U Consumer Finance. This is 36% below median its historical median of 11.34. Over the past decade, U Consumer Finance's Debt-to-EBITDA has ranged from 8.86 to 12.33. According to the industry distribution chart, U Consumer Finance ranks #146 out of 285 companies in the Credit Services industry, placing it in the top 51.2%.
Is U Consumer Finance's Debt-to-EBITDA too high?
U Consumer Finance's current Debt-to-EBITDA of 7.28 is 36% below median its 10-year median of 11.34. Over the past 10 years, this metric has ranged from a low of 8.86 to a high of 12.33. The Credit Services industry median Debt-to-EBITDA is 8.69. U Consumer Finance's value of 7.28 is 16.2% below this industry median. Based on the distribution chart, U Consumer Finance ranks #146 out of 285 companies in the Credit Services industry, which is below the industry midpoint. Overall, U Consumer Finance has a GF Score™ of 28/100, reflecting its overall financial health beyond just this single metric.
How does U Consumer Finance's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, U Consumer Finance ranks #146 out of 285 companies for Debt-to-EBITDA. This places U Consumer Finance in the lower half of its industry. The industry median Debt-to-EBITDA is 8.69. U Consumer Finance's value of 7.28 is 16.2% below this benchmark. Historically, U Consumer Finance's own Debt-to-EBITDA has ranged from 8.86 to 12.33 over the past decade. While the company's 10-year median is 11.34 vs. the industry median of 8.69, U Consumer Finance has consistently been below 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 8.69, based on 285 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. U Consumer Finance's current Debt-to-EBITDA of 7.28 is 16.2% below 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 U Consumer Finance. For the Credit Services industry, the median Debt-to-EBITDA is 8.69 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. U Consumer Finance's current Debt-to-EBITDA is 7.28, which is 36% below median its own 10-year median of 11.34. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is U Consumer Finance stock overvalued right now?
U Consumer Finance (CAI:VALU) has a current Debt-to-EBITDA of 7.28. The current Debt-to-EBITDA is 7.28, which is 36% below median its 10-year median of 11.34 and 16.2% below the Credit Services industry median of 8.69. U Consumer Finance's overall GF Score™ is 28/100 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 U Consumer Finance (CAI:VALU), the current Debt-to-EBITDA is 7.28 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.
U Consumer Finance known by Its Brand Name Valu, is the universal financial technology powerhouse, offering a suite of financial services to individuals and businesses.
28GF Score
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