Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
WAG Payment SolutionsCHIX:EWGL -2.24%61 Debt-to-EBITDA is 4.07 as of Dec. 2025, which is 13% above its 10-year median of 3.61. GuruFocus rates CHIX:EWGL with a GF Score™ of 61/100 and a GF Value™ of £0.47 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,719 Software companies, WAG Payment Solutions ranks worse than 78.36% 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 WAG Payment Solutions's Debt-to-EBITDA or its related term are showing as below:
CHIX:EWGl'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 2.44 Med: 3.61 Max: 11.3
Current: 3.43
During the past 8 years, the highest Debt-to-EBITDA Ratio of WAG Payment Solutions was 11.30. The lowest was 2.44. And the median was 3.61.
CHIX:EWGl's Debt-to-EBITDA is ranked worse than 78.36% of 1719
companies
in the Software industry
Industry Median: 1.08
vs CHIX:EWGl: 3.43
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.
WAG Payment Solutions Debt-to-EBITDA Related Terms
WAG Payment Solutions Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for WAG Payment Solutions'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:EWGL vs MSFT, ORCL, PLTR: Debt-to-EBITDA Comparison
For the Software - Infrastructure subindustry, WAG Payment Solutions'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.
WAG Payment Solutions Debt-to-EBITDA vs Software Industry
For the Software industry and Technology sector, WAG Payment Solutions's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where WAG Payment Solutions'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.
WAG Payment Solutions (CHIX:EWGL) has a Debt-to-EBITDA of 4.07 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 WAG Payment Solutions. This is 13% above median its historical median of 3.61. Over the past decade, WAG Payment Solutions' Debt-to-EBITDA has ranged from 2.44 to 11.30. According to the industry distribution chart, WAG Payment Solutions ranks #1347 out of 1719 companies in the Software industry, placing it in the top 78.4%.
Is WAG Payment Solutions' Debt-to-EBITDA too high?
WAG Payment Solutions' current Debt-to-EBITDA of 4.07 is 13% above median its 10-year median of 3.61. Over the past 10 years, this metric has ranged from a low of 2.44 to a high of 11.30. The Software industry median Debt-to-EBITDA is 1.08. WAG Payment Solutions' value of 4.07 is 276.9% above this industry median. Based on the distribution chart, WAG Payment Solutions ranks #1347 out of 1719 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, WAG Payment Solutions has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does WAG Payment Solutions' Debt-to-EBITDA compare to MSFT and ORCL?
According to the Software industry distribution chart, WAG Payment Solutions ranks #1347 out of 1719 companies for Debt-to-EBITDA. This places WAG Payment Solutions in the lower half of its industry. The industry median Debt-to-EBITDA is 1.08. WAG Payment Solutions' value of 4.07 is 276.9% above this benchmark. Historically, WAG Payment Solutions' own Debt-to-EBITDA has ranged from 2.44 to 11.30 over the past decade. While the company's 10-year median is 3.61 vs. the industry median of 1.08, WAG Payment Solutions 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 1.08, based on 1,719 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. WAG Payment Solutions's current Debt-to-EBITDA of 4.07 is 276.9% 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 WAG Payment Solutions. For the Software industry, the median Debt-to-EBITDA is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. WAG Payment Solutions's current Debt-to-EBITDA is 4.07, which is 13% above median its own 10-year median of 3.61. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is WAG Payment Solutions stock overvalued right now?
Based on GuruFocus' analysis, WAG Payment Solutions (CHIX:EWGL) is currently considered Significantly Overvalued. The stock's GF Value™ is £0.47, compared to a current price of £1.00 — trading 113.4% above its estimated fair value. The current Debt-to-EBITDA is 4.07, which is 13% above median its 10-year median of 3.61 and 276.9% above the Software industry median of 1.08. WAG Payment Solutions' overall GF Score™ is 61/100 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 WAG Payment Solutions (CHIX:EWGL), the current Debt-to-EBITDA is 4.07 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 WAG Payment Solutions (CHIX:EWGL) Overvalued in 2026?
Based on GuruFocus' analysis, WAG Payment Solutions stock appears to be overvalued.
The current stock price of £1.00 is trading 113.4% above its estimated GF Value™ of £0.47.
GuruFocus considers WAG Payment Solutions to be Significantly Overvalued.
Key valuation signals for CHIX:EWGL:
Debt-to-EBITDA: 4.07 (13% above median its 10-year median of 3.61)
GF Value™: £0.47 vs. price of £1.00 (113.4% above fair value)
Industry Position: 276.9% above the Software median (#1347 of 1719)
No single metric tells the full story. See the CHIX:EWGL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
WAG Payment Solutions PLC operates as a pan-European payments and mobility platform focused on the commercial road transport sector. Its offerings include payment solutions and services designed to support operations in the transport industry. The company is organised into two operating segments: Payment solutions and Mobility solutions. Payment solutions represent the company's revenues, which are based on recurring and frequent transactional payments. The segment includes Energy and Toll payments. Mobility solutions represent a number of services, which are either subscription based or subsequently sold to customers using Payment solutions products. The majority of revenue is derived from the Payment solutions segment. Geographically, it generates the maximum revenue from Poland.
61GF Score
Get the complete analysis for CHIX:EWGL
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CHIX:EWGL has been successfully added to your 
