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Union Properties PJSCDFM:UPP +2.09%44 Debt-to-EBITDA is 3.09 as of Mar. 2026, which is 99% above its 10-year median of 1.55. GuruFocus rates DFM:UPP with a GF Score™ of 44/100 and a GF Value™ of د.إ0.77 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 460 Conglomerates companies, Union Properties PJSC ranks better than 82.39% 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 Union Properties PJSC's Debt-to-EBITDA or its related term are showing as below:
DFM:UPP'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -55.54 Med: 1.55 Max: 8.95
Current: 0.59
During the past 13 years, the highest Debt-to-EBITDA Ratio of Union Properties PJSC was 8.95. The lowest was -55.54. And the median was 1.55.
DFM:UPP's Debt-to-EBITDA is ranked better than 82.39% of 460
companies
in the Conglomerates industry
Industry Median: 2.76
vs DFM:UPP: 0.59
Union Properties PJSC (DFM:UPP) Debt-to-EBITDA Explanation
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.
Union Properties PJSC Debt-to-EBITDA Related Terms
Union Properties PJSC Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Union Properties PJSC'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.
For the Conglomerates subindustry, Union Properties PJSC'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.
Union Properties PJSC Debt-to-EBITDA vs Conglomerates Industry
For the Conglomerates industry and Industrials sector, Union Properties PJSC's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Union Properties PJSC'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.
Union Properties PJSC (DFM:UPP) has a Debt-to-EBITDA of 3.09 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 Union Properties PJSC. This is 99% above median its historical median of 1.55. According to the industry distribution chart, Union Properties PJSC ranks #81 out of 460 companies in the Conglomerates industry, placing it in the top 17.6%.
Is Union Properties PJSC's Debt-to-EBITDA too high?
Union Properties PJSC's current Debt-to-EBITDA of 3.09 is 99% above median its 10-year median of 1.55. The Conglomerates industry median Debt-to-EBITDA is 2.76. Union Properties PJSC's value of 3.09 is 12% above this industry median. Based on the distribution chart, Union Properties PJSC ranks #81 out of 460 companies in the Conglomerates industry, which is in the top quartile — a strong position relative to peers. Overall, Union Properties PJSC has a GF Score™ of 44/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Union Properties PJSC's Debt-to-EBITDA compare to HON and MMM?
According to the Conglomerates industry distribution chart, Union Properties PJSC ranks #81 out of 460 companies for Debt-to-EBITDA. This places Union Properties PJSC in the top 18% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 2.76. Union Properties PJSC's value of 3.09 is 12% above this benchmark. While the company's 10-year median is 1.55 vs. the industry median of 2.76, Union Properties PJSC 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 Conglomerates company?
The median Debt-to-EBITDA among Conglomerates companies is 2.76, based on 460 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. Union Properties PJSC's current Debt-to-EBITDA of 3.09 is 12% 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 Union Properties PJSC. For the Conglomerates industry, the median Debt-to-EBITDA is 2.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Union Properties PJSC's current Debt-to-EBITDA is 3.09, which is 99% above median its own 10-year median of 1.55. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Union Properties PJSC stock overvalued right now?
Based on GuruFocus' analysis, Union Properties PJSC (DFM:UPP) is currently considered Modestly Undervalued. The stock's GF Value™ is د.إ0.77, compared to a current price of د.إ0.69 — trading 11% below its estimated fair value. The current Debt-to-EBITDA is 3.09, which is 99% above median its 10-year median of 1.55 and 12% above the Conglomerates industry median of 2.76. Union Properties PJSC's overall GF Score™ is 44/100 with 3 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 Union Properties PJSC (DFM:UPP), the current Debt-to-EBITDA is 3.09 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 Union Properties PJSC (DFM:UPP) Overvalued in 2026?
Based on GuruFocus' analysis, Union Properties PJSC stock appears to be undervalued.
The current stock price of د.إ0.69 is trading 11% below its estimated GF Value™ of د.إ0.77.
GuruFocus considers Union Properties PJSC to be Modestly Undervalued.
Key valuation signals for DFM:UPP:
Debt-to-EBITDA: 3.09 (99% above median its 10-year median of 1.55)
GF Value™: د.إ0.77 vs. price of د.إ0.69 (11% below fair value)
Industry Position: 12% above the Conglomerates median (#81 of 460)
No single metric tells the full story. See the DFM:UPP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Union Properties PJSC is a property development company in the United Arab Emirates. The company has a wide range of projects in its portfolio, including residential, industrial, and leisure development projects. The firm operates out of four segments: Real estate property management, Contracting, Housekeeping, and Sales of goods and services. Property development and sales, and property rentals, compose the Real Estate property management segment. The Contracting segment involves mechanical, electrical, and plumbing work, as well as interior architecture construction. In goods and services, the company offers facility management and maintenance services, motor racing services, and engages in the sale of goods. Maximum revenue is generated from the Sales of goods and services segment.
44GF Score
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Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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