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Topps TilesCHIX:TPTL 48 Debt-to-EBITDA is 3.71 as of Mar. 2026, which is 45% above its 10-year median of 2.55. GuruFocus rates CHIX:TPTL with a GF Score™ of 48/100 and a GF Value™ of £0.45 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 896 Retail - Cyclical companies, Topps Tiles ranks worse than 62.95% 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 Topps Tiles's Debt-to-EBITDA or its related term are showing as below:
CHIX:TPTl'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.29 Med: 2.55 Max: 8.26
Current: 3.3
During the past 13 years, the highest Debt-to-EBITDA Ratio of Topps Tiles was 8.26. The lowest was 1.29. And the median was 2.55.
CHIX:TPTl's Debt-to-EBITDA is ranked worse than 62.95% of 896
companies
in the Retail - Cyclical industry
Industry Median: 2.405
vs CHIX:TPTl: 3.30
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.
Topps Tiles Debt-to-EBITDA Related Terms
Topps Tiles Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Topps Tiles'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:TPTL vs HD, LOW, FND: Debt-to-EBITDA Comparison
For the Home Improvement Retail subindustry, Topps Tiles'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.
Topps Tiles Debt-to-EBITDA vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Topps Tiles's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Topps Tiles'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 (Mar. 2026) EBITDA data.
Topps Tiles (CHIX:TPTL) has a Debt-to-EBITDA of 3.71 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Topps Tiles. This is 45% above median its historical median of 2.55. Over the past decade, Topps Tiles' Debt-to-EBITDA has ranged from 1.29 to 8.26. According to the industry distribution chart, Topps Tiles ranks #564 out of 896 companies in the Retail - Cyclical industry, placing it in the top 62.9%.
Is Topps Tiles' Debt-to-EBITDA too high?
Topps Tiles' current Debt-to-EBITDA of 3.71 is 45% above median its 10-year median of 2.55. Over the past 10 years, this metric has ranged from a low of 1.29 to a high of 8.26. The Retail - Cyclical industry median Debt-to-EBITDA is 2.41. Topps Tiles' value of 3.71 is 54.3% above this industry median. Based on the distribution chart, Topps Tiles ranks #564 out of 896 companies in the Retail - Cyclical industry, which is below the industry midpoint. Overall, Topps Tiles has a GF Score™ of 48/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Topps Tiles' Debt-to-EBITDA compare to HD and LOW?
According to the Retail - Cyclical industry distribution chart, Topps Tiles ranks #564 out of 896 companies for Debt-to-EBITDA. This places Topps Tiles in the lower half of its industry. The industry median Debt-to-EBITDA is 2.41. Topps Tiles' value of 3.71 is 54.3% above this benchmark. Historically, Topps Tiles' own Debt-to-EBITDA has ranged from 1.29 to 8.26 over the past decade. While the company's 10-year median is 2.55 vs. the industry median of 2.41, Topps Tiles 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 Retail - Cyclical company?
The median Debt-to-EBITDA among Retail - Cyclical companies is 2.41, based on 896 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. Topps Tiles's current Debt-to-EBITDA of 3.71 is 54.3% 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 Topps Tiles. For the Retail - Cyclical industry, the median Debt-to-EBITDA is 2.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Topps Tiles's current Debt-to-EBITDA is 3.71, which is 45% above median its own 10-year median of 2.55. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Topps Tiles stock overvalued right now?
Based on GuruFocus' analysis, Topps Tiles (CHIX:TPTL) is currently considered Modestly Undervalued. The stock's GF Value™ is £0.45, compared to a current price of £0.33 — trading 26.2% below its estimated fair value. The current Debt-to-EBITDA is 3.71, which is 45% above median its 10-year median of 2.55 and 54.3% above the Retail - Cyclical industry median of 2.41. Topps Tiles' overall GF Score™ is 48/100 with 5 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 Topps Tiles (CHIX:TPTL), the current Debt-to-EBITDA is 3.71 as of Mar. 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 Topps Tiles (CHIX:TPTL) Overvalued in 2026?
Based on GuruFocus' analysis, Topps Tiles stock appears to be undervalued.
The current stock price of £0.33 is trading 26.2% below its estimated GF Value™ of £0.45.
GuruFocus considers Topps Tiles to be Modestly Undervalued.
Key valuation signals for CHIX:TPTL:
Debt-to-EBITDA: 3.71 (45% above median its 10-year median of 2.55)
GF Value™: £0.45 vs. price of £0.33 (26.2% below fair value)
Industry Position: 54.3% above the Retail - Cyclical median (#564 of 896)
No single metric tells the full story. See the CHIX:TPTL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Topps Tiles PLC is a tile and flooring retailer in the UK. The company focuses on selling ceramic and porcelain tiles, natural stone, and related products for homes and businesses. It offers products such as bathroom tiles, kitchen tiles, floor tiles, wall tiles, mosaic tiles, natural stone, and other tools and essentials. The company operates in the UK, the EU, and the rest of the world, and generates the majority of its revenue from sales in the UK.
48GF Score
Get the complete analysis for CHIX:TPTL
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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