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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 Hightech Payment Systems's Debt-to-EBITDA or its related term are showing as below:
CAS:HPS'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.38 Med: 0.82 Max: 2.69
Current: 1.64
During the past 13 years, the highest Debt-to-EBITDA Ratio of Hightech Payment Systems was 2.69. The lowest was 0.38. And the median was 0.82.
CAS:HPS's Debt-to-EBITDA is ranked worse than 60.37% of 1726
companies
in the Software industry
Industry Median: 1.035
vs CAS:HPS: 1.64
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.
Hightech Payment Systems Debt-to-EBITDA Related Terms
Hightech Payment Systems 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.
CAS:HPS vs MSFT, ORCL, PLTR: Debt-to-EBITDA Comparison
For the Software - Infrastructure subindustry, Hightech Payment Systems'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.
Hightech Payment Systems Debt-to-EBITDA vs Software Industry
For the Software industry and Technology sector, Hightech Payment Systems's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Hightech Payment Systems'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 two times the quarterly (Dec. 2025) EBITDA data.
Hightech Payment Systems (CAS:HPS) has a Debt-to-EBITDA of 1.15 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 Hightech Payment Systems. This is 40% above median its historical median of 0.82. Over the past decade, Hightech Payment Systems' Debt-to-EBITDA has ranged from 0.38 to 2.69. According to the industry distribution chart, Hightech Payment Systems ranks #1042 out of 1726 companies in the Software industry, placing it in the top 60.4%.
Is Hightech Payment Systems' Debt-to-EBITDA too high?
Hightech Payment Systems' current Debt-to-EBITDA of 1.15 is 40% above median its 10-year median of 0.82. Over the past 10 years, this metric has ranged from a low of 0.38 to a high of 2.69. The Software industry median Debt-to-EBITDA is 1.04. Hightech Payment Systems' value of 1.15 is 11.1% above this industry median. Based on the distribution chart, Hightech Payment Systems ranks #1042 out of 1726 companies in the Software industry, which is below the industry midpoint. Overall, Hightech Payment Systems has a GF Score™ of 100/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Hightech Payment Systems' Debt-to-EBITDA compare to MSFT and ORCL?
According to the Software industry distribution chart, Hightech Payment Systems ranks #1042 out of 1726 companies for Debt-to-EBITDA. This places Hightech Payment Systems in the lower half of its industry. The industry median Debt-to-EBITDA is 1.04. Hightech Payment Systems' value of 1.15 is 11.1% above this benchmark. Historically, Hightech Payment Systems' own Debt-to-EBITDA has ranged from 0.38 to 2.69 over the past decade. While the company's 10-year median is 0.82 vs. the industry median of 1.04, Hightech Payment Systems 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 Software company?
The median Debt-to-EBITDA among Software companies is 1.04, based on 1,726 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. Hightech Payment Systems's current Debt-to-EBITDA of 1.15 is 11.1% 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 Hightech Payment Systems. For the Software industry, the median Debt-to-EBITDA is 1.04 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hightech Payment Systems's current Debt-to-EBITDA is 1.15, which is 40% above median its own 10-year median of 0.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hightech Payment Systems stock overvalued right now?
Based on GuruFocus' analysis, Hightech Payment Systems (CAS:HPS) is currently considered Modestly Undervalued. The stock's GF Value™ is MAD824.83, compared to a current price of MAD645.00 — trading 21.8% below its estimated fair value. The current Debt-to-EBITDA is 1.15, which is 40% above median its 10-year median of 0.82 and 11.1% above the Software industry median of 1.04. Hightech Payment Systems' overall GF Score™ is 100/100 with 4 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 Hightech Payment Systems (CAS:HPS), the current Debt-to-EBITDA is 1.15 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.
Is Hightech Payment Systems (CAS:HPS) Overvalued in 2026?
Based on GuruFocus' analysis, Hightech Payment Systems stock appears to be undervalued.
The current stock price of MAD645.00 is trading 21.8% below its estimated GF Value™ of MAD824.83.
GuruFocus considers Hightech Payment Systems to be Modestly Undervalued.
Key valuation signals for CAS:HPS:
Debt-to-EBITDA: 1.15 (40% above median its 10-year median of 0.82)
GF Value™: MAD824.83 vs. price of MAD645.00 (21.8% below fair value)
Industry Position: 11.1% above the Software median (#1042 of 1726)
No single metric tells the full story. See the CAS:HPS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hightech Payment Systems SA is the group that provides solutions and services involving electronic payment. The company provides its clients with technology solutions that transcend the entire payments value chain, enabling them to innovate rapidly and bring new products to market with ease and efficiency using HPS' PowerCARD software. The PowerCARD suite is fully integrated with all international payment networks, and supports all back-office payments functions. The company's software and services are sold covering many geographical areas such as Europe, Americas, Africa and the Middle East and Asia. The group's majority revenue is generated from Africa.
100GF Score
Get the complete analysis for CAS:HPS
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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