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CTO Realty GrowthCTO -1.60%73 Debt-to-EBITDA is 5.57 as of Mar. 2026, which is 11% below its 10-year median of 6.29. GuruFocus rates CTO with a GF Score™ of 73/100 and a GF Value™ of $18.73 (Modestly Overvalued). The stock has 12 warning signs investors should review. Among 578 REITs companies, CTO Realty Growth ranks better than 51.73% 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 CTO Realty Growth's Debt-to-EBITDA or its related term are showing as below:
CTO'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 3.76 Med: 6.29 Max: 11.27
Current: 6.32
During the past 13 years, the highest Debt-to-EBITDA Ratio of CTO Realty Growth was 11.27. The lowest was 3.76. And the median was 6.29.
CTO's Debt-to-EBITDA is ranked better than 51.73% of 578
companies
in the REITs industry
Industry Median: 6.51
vs CTO: 6.32
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.
CTO Realty Growth Debt-to-EBITDA Related Terms
CTO Realty Growth Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for CTO Realty Growth'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.
CTO vs GOOD, JBGS, ESRT: Debt-to-EBITDA Comparison
For the REIT - Diversified subindustry, CTO Realty Growth'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.
CTO Realty Growth Debt-to-EBITDA vs REITs Industry
For the REITs industry and Real Estate sector, CTO Realty Growth's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where CTO Realty Growth'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.
CTO Realty Growth (CTO) has a Debt-to-EBITDA of 5.57 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 CTO Realty Growth. This is 11% below median its historical median of 6.29. Over the past decade, CTO Realty Growth's Debt-to-EBITDA has ranged from 3.76 to 11.27. According to the industry distribution chart, CTO Realty Growth ranks #279 out of 578 companies in the REITs industry, placing it in the top 48.3%.
Is CTO Realty Growth's Debt-to-EBITDA too high?
CTO Realty Growth's current Debt-to-EBITDA of 5.57 is 11% below median its 10-year median of 6.29. Over the past 10 years, this metric has ranged from a low of 3.76 to a high of 11.27. The REITs industry median Debt-to-EBITDA is 6.51. CTO Realty Growth's value of 5.57 is 14.4% below this industry median. Based on the distribution chart, CTO Realty Growth ranks #279 out of 578 companies in the REITs industry, which is above the industry midpoint. Overall, CTO Realty Growth has a GF Score™ of 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does CTO Realty Growth's Debt-to-EBITDA compare to GOOD and JBGS?
According to the REITs industry distribution chart, CTO Realty Growth ranks #279 out of 578 companies for Debt-to-EBITDA. This puts CTO Realty Growth in the upper half of its industry. The industry median Debt-to-EBITDA is 6.51. CTO Realty Growth's value of 5.57 is 14.4% below this benchmark. Historically, CTO Realty Growth's own Debt-to-EBITDA has ranged from 3.76 to 11.27 over the past decade. While the company's 10-year median is 6.29 vs. the industry median of 6.51, CTO Realty Growth 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 REITs company?
The median Debt-to-EBITDA among REITs companies is 6.51, based on 578 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. CTO Realty Growth's current Debt-to-EBITDA of 5.57 is 14.4% 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 CTO Realty Growth. For the REITs industry, the median Debt-to-EBITDA is 6.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CTO Realty Growth's current Debt-to-EBITDA is 5.57, which is 11% below median its own 10-year median of 6.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CTO Realty Growth stock overvalued right now?
Based on GuruFocus' analysis, CTO Realty Growth (CTO) is currently considered Modestly Overvalued. The stock's GF Value™ is $18.73, compared to a current price of $22.17 — trading 18.4% above its estimated fair value. The current Debt-to-EBITDA is 5.57, which is 11% below median its 10-year median of 6.29 and 14.4% below the REITs industry median of 6.51. CTO Realty Growth's overall GF Score™ is 73/100 with 12 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 CTO Realty Growth (CTO), the current Debt-to-EBITDA is 5.57 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 CTO Realty Growth (CTO) Overvalued in 2026?
Based on GuruFocus' analysis, CTO Realty Growth stock appears to be overvalued.
The current stock price of $22.17 is trading 18.4% above its estimated GF Value™ of $18.73.
GuruFocus considers CTO Realty Growth to be Modestly Overvalued.
Key valuation signals for CTO:
Debt-to-EBITDA: 5.57 (11% below median its 10-year median of 6.29)
GF Value™: $18.73 vs. price of $22.17 (18.4% above fair value)
Industry Position: 14.4% below the REITs median (#279 of 578)
No single metric tells the full story. See the CTO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CTO Realty Growth Inc is a real estate investment trust company, that owns income properties in diversified markets in the United States. The company operates in four primary business segments: Income properties, management services, commercial loans and investments, and real estate operations. It derives maximum revenue from Income Properties.
73GF Score
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