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.
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 Conn's's Debt-to-EBITDA or its related term are showing as below:
CONNQ's Debt-to-EBITDA is not ranked *
in the Retail - Cyclical industry.
Industry Median: 2.375 * Ranked among companies with meaningful Debt-to-EBITDA only.
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.
Conn's Debt-to-EBITDA Related Terms
Conn's Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Conn's'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.
CONNQ vs ZKGCF, ORLY, AZO: Debt-to-EBITDA Comparison
For the Specialty Retail subindustry, Conn's'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.
Conn's Debt-to-EBITDA vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Conn's's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Conn's'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 (Jan. 2024) EBITDA data.
Conn's (CONNQ) has a Debt-to-EBITDA of 4.48 as of Jan. 2024. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Conn's.
Is Conn's' Debt-to-EBITDA too high?
Conn's' current Debt-to-EBITDA is 4.48. The Retail - Cyclical industry median Debt-to-EBITDA is 2.38. Conn's' value of 4.48 is 88.6% above this industry median. Overall, Conn's has a GF Score™ of 16/100, reflecting its overall financial health beyond just this single metric.
How does Conn's' Debt-to-EBITDA compare to ZKGCF and ORLY?
Conn's' Debt-to-EBITDA of 4.48 can be compared against companies in the Retail - Cyclical industry. The industry median Debt-to-EBITDA is 2.38. Conn's' value of 4.48 is 88.6% above this benchmark. 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 2.38, based on 904 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. Conn's's current Debt-to-EBITDA of 4.48 is 88.6% 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 Conn's. For the Retail - Cyclical industry, the median Debt-to-EBITDA is 2.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Conn's's current Debt-to-EBITDA is 4.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Conn's stock overvalued right now?
Conn's (CONNQ) has a current Debt-to-EBITDA of 4.48. The current Debt-to-EBITDA is 4.48 and 88.6% above the Retail - Cyclical industry median of 2.38. Conn's' overall GF Score™ is 16/100. 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 Conn's (CONNQ), the current Debt-to-EBITDA is 4.48 as of Jan. 2024. 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.
Conn's Inc is a us-based specialty retailer selling durable consumer goods and related services. The company operates through two segments: retail and credit. The retail segment sells furniture, home appliances, electronics, and more. The credit segment provides credit solutions for credit-constrained consumers. They focus on the us market and offer competitive prices, affordable payment options, and fast delivery and installation. Conn's Inc primarily focuses on the us market and generates its revenue from the retail segment. They offer customers the opportunity to compare prices across brands with confidence, along with affordable monthly payment options, fast delivery and installation in the majority of their markets, and product repair services.
16GF Score
Get the complete analysis for CONNQ
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
CONNQ has been successfully added to your 
