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China Art Financial HoldingsCHFHF 48 Debt-to-EBITDA is 16.51 as of Dec. 2025, which is 8155% above its 10-year median of 0.20. GuruFocus rates CHFHF with a GF Score™ of 48/100 and a GF Value™ of $0.04. The stock has 6 warning signs investors should review. Among 286 Credit Services companies, China Art Financial Holdings ranks worse than 57.34% 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 China Art Financial Holdings's Debt-to-EBITDA or its related term are showing as below:
CHFHF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0 Med: 0.2 Max: 11.27
Current: 11.27
During the past 13 years, the highest Debt-to-EBITDA Ratio of China Art Financial Holdings was 11.27. The lowest was 0.00. And the median was 0.20.
CHFHF's Debt-to-EBITDA is ranked worse than 57.34% of 286
companies
in the Credit Services industry
Industry Median: 9.055
vs CHFHF: 11.27
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.
China Art Financial Holdings Debt-to-EBITDA Related Terms
China Art Financial Holdings 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.
For the Credit Services subindustry, China Art Financial Holdings'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.
China Art Financial Holdings Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, China Art Financial Holdings's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where China Art Financial Holdings'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.
China Art Financial Holdings (CHFHF) has a Debt-to-EBITDA of 16.51 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 China Art Financial Holdings. This is 8155% above median its historical median of 0.20. According to the industry distribution chart, China Art Financial Holdings ranks #164 out of 286 companies in the Credit Services industry, placing it in the top 57.3%.
Is China Art Financial Holdings' Debt-to-EBITDA too high?
China Art Financial Holdings' current Debt-to-EBITDA of 16.51 is 8155% above median its 10-year median of 0.20. The Credit Services industry median Debt-to-EBITDA is 9.06. China Art Financial Holdings' value of 16.51 is 82.3% above this industry median. Based on the distribution chart, China Art Financial Holdings ranks #164 out of 286 companies in the Credit Services industry, which is below the industry midpoint. Overall, China Art Financial Holdings has a GF Score™ of 48/100, reflecting its overall financial health beyond just this single metric.
How does China Art Financial Holdings' Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, China Art Financial Holdings ranks #164 out of 286 companies for Debt-to-EBITDA. This places China Art Financial Holdings in the lower half of its industry. The industry median Debt-to-EBITDA is 9.06. China Art Financial Holdings' value of 16.51 is 82.3% above this benchmark. While the company's 10-year median is 0.20 vs. the industry median of 9.06, China Art Financial Holdings 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 9.06, based on 286 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. China Art Financial Holdings's current Debt-to-EBITDA of 16.51 is 82.3% 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 China Art Financial Holdings. For the Credit Services industry, the median Debt-to-EBITDA is 9.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. China Art Financial Holdings's current Debt-to-EBITDA is 16.51, which is 8155% above median its own 10-year median of 0.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is China Art Financial Holdings stock overvalued right now?
China Art Financial Holdings (CHFHF) has a current Debt-to-EBITDA of 16.51. The stock's GF Value™ is $0.04, compared to a current price of $0.01 — trading 70.8% below its estimated fair value. The current Debt-to-EBITDA is 16.51, which is 8155% above median its 10-year median of 0.20 and 82.3% above the Credit Services industry median of 9.06. China Art Financial Holdings' overall GF Score™ is 48/100 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 China Art Financial Holdings (CHFHF), the current Debt-to-EBITDA is 16.51 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 China Art Financial Holdings (CHFHF) Overvalued in 2026?
Based on GuruFocus' analysis, China Art Financial Holdings stock appears to be undervalued.
The current stock price of $0.01 is trading 70.8% below its estimated GF Value™ of $0.04.
Key valuation signals for CHFHF:
Debt-to-EBITDA: 16.51 (8155% above median its 10-year median of 0.20)
GF Value™: $0.04 vs. price of $0.01 (70.8% below fair value)
Industry Position: 82.3% above the Credit Services median (#164 of 286)
No single metric tells the full story. See the CHFHF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
China Art Financial Holdings Ltd is an art finance service provider in China. It is engaged in operating art financing channels. The operating business segments of the company are Art and asset pawn business; Art and asset auction business, and Art and asset sales business. It derives maximum revenue from Art and asset sales business. The company auctions products like Zisha artwork, Calligraphies and paintings, Jewel artwork, and others. Geographically, the company has a business presence in China and Hong Kong, of which a majority of the revenue is derived from China. The group's revenue is principally derived from the PRC.
48GF Score
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