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CuentasCUEN 18 Debt-to-EBITDA is -0.78 as of Mar. 2026. GuruFocus rates CUEN with a GF Score™ of 18/100. The stock has 2 warning signs investors should review. Among 1,716 Software companies, Cuentas 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 Cuentas's Debt-to-EBITDA or its related term are showing as below:
CUEN'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -1.86 Med: -0.16 Max: -0.01
Current: -0.86
During the past 13 years, the highest Debt-to-EBITDA Ratio of Cuentas was -0.01. The lowest was -1.86. And the median was -0.16.
CUEN's Debt-to-EBITDA is ranked worse than 100% of 1716
companies
in the Software industry
Industry Median: 1.09
vs CUEN: -0.86
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.
Cuentas Debt-to-EBITDA Related Terms
Cuentas Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Cuentas'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.
CUEN vs LIVG, FRGT, CLRI: Debt-to-EBITDA Comparison
For the Software - Application subindustry, Cuentas'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.
Cuentas Debt-to-EBITDA vs Software Industry
For the Software industry and Technology sector, Cuentas's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Cuentas'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.
Cuentas (CUEN) has a Debt-to-EBITDA of -0.78 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 Cuentas. According to the industry distribution chart, Cuentas ranks #999999 out of 1716 companies in the Software industry.
Is Cuentas' Debt-to-EBITDA too high?
Cuentas' current Debt-to-EBITDA is -0.78. Based on the distribution chart, Cuentas ranks #999999 out of 1716 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Cuentas has a GF Score™ of 18/100, reflecting its overall financial health beyond just this single metric.
How does Cuentas' Debt-to-EBITDA compare to LIVG and FRGT?
According to the Software industry distribution chart, Cuentas ranks #999999 out of 1716 companies for Debt-to-EBITDA. This places Cuentas 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 Cuentas. 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. Cuentas's current Debt-to-EBITDA is -0.78. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Cuentas stock overvalued right now?
Cuentas (CUEN) has a current Debt-to-EBITDA of -0.78. The current Debt-to-EBITDA is -0.78. Cuentas' overall GF Score™ is 18/100 with 2 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 Cuentas (CUEN), the current Debt-to-EBITDA is -0.78 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.
Cuentas Inc is a FinTech e-banking and e-commerce service provider with proprietary technology aimed at providing solutions for the underbanked and un-banked Hispanic and Latino population. It operates in three business segments: telecommunications wholesale telecommunication services; and digital products.
18GF Score
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