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Clip MoneyCLPMF 29 Debt-to-EBITDA is -5.77 as of Mar. 2026. GuruFocus rates CLPMF with a GF Score™ of 29/100 and a GF Value™ of $0.79 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 1,716 Software companies, Clip Money ranks worse than 58275% 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 Clip Money's Debt-to-EBITDA or its related term are showing as below:
CLPMF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -5.84 Med: -1.82 Max: -0.65
Current: -5.84
During the past 5 years, the highest Debt-to-EBITDA Ratio of Clip Money was -0.65. The lowest was -5.84. And the median was -1.82.
CLPMF's Debt-to-EBITDA is ranked worse than 100% of 1716
companies
in the Software industry
Industry Median: 1.09
vs CLPMF: -5.84
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.
Clip Money Debt-to-EBITDA Related Terms
Clip Money Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Clip Money'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.
CLPMF vs MSFT, ORCL, PLTR: Debt-to-EBITDA Comparison
For the Software - Infrastructure subindustry, Clip Money'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.
Clip Money Debt-to-EBITDA vs Software Industry
For the Software industry and Technology sector, Clip Money's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Clip Money'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 four times the quarterly (Mar. 2026) EBITDA data.
Clip Money (CLPMF) has a Debt-to-EBITDA of -5.77 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 Clip Money. According to the industry distribution chart, Clip Money ranks #999999 out of 1716 companies in the Software industry.
Is Clip Money's Debt-to-EBITDA too high?
Clip Money's current Debt-to-EBITDA is -5.77. Based on the distribution chart, Clip Money ranks #999999 out of 1716 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Clip Money has a GF Score™ of 29/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Clip Money's Debt-to-EBITDA compare to MSFT and ORCL?
According to the Software industry distribution chart, Clip Money ranks #999999 out of 1716 companies for Debt-to-EBITDA. This places Clip Money in the lower half of its industry. The industry median Debt-to-EBITDA is 1.09. 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 1.09, based on 1,716 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. 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 Clip Money. For the Software industry, the median Debt-to-EBITDA is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Clip Money's current Debt-to-EBITDA is -5.77. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Clip Money stock overvalued right now?
Based on GuruFocus' analysis, Clip Money (CLPMF) is currently considered Possible Value Trap. The stock's GF Value™ is $0.79, compared to a current price of $0.12 — trading 84.7% below its estimated fair value. The current Debt-to-EBITDA is -5.77. Clip Money's overall GF Score™ is 29/100 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 Clip Money (CLPMF), the current Debt-to-EBITDA is -5.77 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 Clip Money (CLPMF) Overvalued in 2026?
Based on GuruFocus' analysis, Clip Money stock appears to be undervalued.
The current stock price of $0.12 is trading 84.7% below its estimated GF Value™ of $0.79.
GuruFocus considers Clip Money to be Possible Value Trap.
Key valuation signals for CLPMF:
Debt-to-EBITDA: -5.77
GF Value™: $0.79 vs. price of $0.12 (84.7% below fair value)
No single metric tells the full story. See the CLPMF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Clip Money Inc is a Canadian-based company principally in the business of providing a proprietary deposit network to businesses and financial institutions located across North America. A network of ClipDrop safes located in malls, box stores, and grocery chains, Clip improves the business deposit experience through transformational digital and mobile-enabled services. The company has one operating segment, which is providing a proprietary deposit network to businesses located across North America. The company combines functional hardware, an intuitive mobile app, and a cloud-based transaction engine that maximizes business banking transactions. It also facilitates mobile change orders, which are fully insured and shipped within one to two business days.
29GF Score
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