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Edenred SECHIX:EDENP 93 Debt-to-EBITDA is 4.50 as of Jun. 2026, which is 2% above its 10-year median of 4.42. GuruFocus rates CHIX:EDENP with a GF Score™ of 93/100 and a GF Value™ of €35.69 (Modestly Undervalued). The stock has 7 warning signs investors should review. Among 285 Credit Services companies, Edenred SE ranks better than 69.47% 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 Edenred SE's Debt-to-EBITDA or its related term are showing as below:
CHIX:EDENp'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 3.71 Med: 4.42 Max: 6.18
Current: 4.08
During the past 13 years, the highest Debt-to-EBITDA Ratio of Edenred SE was 6.18. The lowest was 3.71. And the median was 4.42.
CHIX:EDENp's Debt-to-EBITDA is ranked better than 69.47% of 285
companies
in the Credit Services industry
Industry Median: 9
vs CHIX:EDENp: 4.08
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.
Edenred SE Debt-to-EBITDA Related Terms
Edenred SE Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Edenred SE'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.
CHIX:EDENP vs V, MA, AXP: Debt-to-EBITDA Comparison
For the Credit Services subindustry, Edenred SE'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.
Edenred SE Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Edenred SE's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Edenred SE'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 (Jun. 2026) EBITDA data.
Edenred SE (CHIX:EDENP) has a Debt-to-EBITDA of 4.50 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Edenred SE. This is near median its historical median of 4.42. Over the past decade, Edenred SE's Debt-to-EBITDA has ranged from 3.71 to 6.18. According to the industry distribution chart, Edenred SE ranks #87 out of 285 companies in the Credit Services industry, placing it in the top 30.5%.
Is Edenred SE's Debt-to-EBITDA too high?
Edenred SE's current Debt-to-EBITDA of 4.50 is near median its 10-year median of 4.42. Over the past 10 years, this metric has ranged from a low of 3.71 to a high of 6.18. The Credit Services industry median Debt-to-EBITDA is 9.00. Edenred SE's value of 4.50 is 50% below this industry median. Based on the distribution chart, Edenred SE ranks #87 out of 285 companies in the Credit Services industry, which is above the industry midpoint. Overall, Edenred SE has a GF Score™ of 93/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Edenred SE's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Edenred SE ranks #87 out of 285 companies for Debt-to-EBITDA. This puts Edenred SE in the upper half of its industry. The industry median Debt-to-EBITDA is 9.00. Edenred SE's value of 4.50 is 50% below this benchmark. Historically, Edenred SE's own Debt-to-EBITDA has ranged from 3.71 to 6.18 over the past decade. While the company's 10-year median is 4.42 vs. the industry median of 9.00, Edenred SE 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 9.00, 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. Edenred SE's current Debt-to-EBITDA of 4.50 is 50% 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 Edenred SE. For the Credit Services industry, the median Debt-to-EBITDA is 9.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Edenred SE's current Debt-to-EBITDA is 4.50, which is near median its own 10-year median of 4.42. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Edenred SE stock overvalued right now?
Based on GuruFocus' analysis, Edenred SE (CHIX:EDENP) is currently considered Modestly Undervalued. The stock's GF Value™ is €35.69, compared to a current price of €28.87 — trading 19.1% below its estimated fair value. The current Debt-to-EBITDA is 4.50, which is near median its 10-year median of 4.42 and 50% below the Credit Services industry median of 9.00. Edenred SE's overall GF Score™ is 93/100 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 Edenred SE (CHIX:EDENP), the current Debt-to-EBITDA is 4.50 as of Jun. 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 Edenred SE (CHIX:EDENP) Overvalued in 2026?
Based on GuruFocus' analysis, Edenred SE stock appears to be undervalued.
The current stock price of €28.87 is trading 19.1% below its estimated GF Value™ of €35.69.
GuruFocus considers Edenred SE to be Modestly Undervalued.
Key valuation signals for CHIX:EDENP:
Debt-to-EBITDA: 4.50 (near median its 10-year median of 4.42)
GF Value™: €35.69 vs. price of €28.87 (19.1% below fair value)
Industry Position: 50% below the Credit Services median (#87 of 285)
No single metric tells the full story. See the CHIX:EDENP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Edenred is a France-listed prepaid corporate services provider operating in 45 countries. The company was listed in 2010 following a spinoff from hotel group Accor. Edenred's main business, Ticket Restaurant, offers prepaid meal vouchers that employers provide their employees as an additional benefit. The company is also involved in other areas, such as prepaid fuel cards and payment and expense management systems. Edenred is also moving beyond its historical services, adding well-being, gift, EV, toll, and business-to-business accounts payable automation services.
93GF Score
Get the complete analysis for CHIX:EDENP
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