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FINEOS HoldingsFNCHF 69 Debt-to-EBITDA is 0.06 as of Dec. 2025, which is 81% below its 10-year median of 0.32. GuruFocus rates FNCHF with a GF Score™ of 69/100 and a GF Value™ of $2.70. The stock has 1 warning sign investors should review. Among 1,716 Software companies, FINEOS Holdings ranks better than 90.79% 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 FINEOS Holdings's Debt-to-EBITDA or its related term are showing as below:
FNCHF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -0.73 Med: 0.32 Max: 2.71
Current: 0.07
During the past 6 years, the highest Debt-to-EBITDA Ratio of FINEOS Holdings was 2.71. The lowest was -0.73. And the median was 0.32.
FNCHF's Debt-to-EBITDA is ranked better than 90.79% of 1716
companies
in the Software industry
Industry Median: 1.09
vs FNCHF: 0.07
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.
FINEOS Holdings Debt-to-EBITDA Related Terms
FINEOS Holdings Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for FINEOS Holdings'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.
FNCHF vs MSFT, ORCL, PLTR: Debt-to-EBITDA Comparison
For the Software - Infrastructure subindustry, FINEOS Holdings'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.
FINEOS Holdings Debt-to-EBITDA vs Software Industry
For the Software industry and Technology sector, FINEOS Holdings's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where FINEOS Holdings'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 two times the quarterly (Dec. 2025) EBITDA data.
FINEOS Holdings (FNCHF) has a Debt-to-EBITDA of 0.06 as of Dec. 2025. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on FINEOS Holdings. This is 81% below median its historical median of 0.32. According to the industry distribution chart, FINEOS Holdings ranks #158 out of 1716 companies in the Software industry, placing it in the top 9.2%.
Is FINEOS Holdings' Debt-to-EBITDA too high?
FINEOS Holdings' current Debt-to-EBITDA of 0.06 is 81% below median its 10-year median of 0.32. The Software industry median Debt-to-EBITDA is 1.09. FINEOS Holdings' value of 0.06 is 94.5% below this industry median. Based on the distribution chart, FINEOS Holdings ranks #158 out of 1716 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, FINEOS Holdings has a GF Score™ of 69/100, reflecting its overall financial health beyond just this single metric.
How does FINEOS Holdings' Debt-to-EBITDA compare to MSFT and ORCL?
According to the Software industry distribution chart, FINEOS Holdings ranks #158 out of 1716 companies for Debt-to-EBITDA. This places FINEOS Holdings in the top 9% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 1.09. FINEOS Holdings' value of 0.06 is 94.5% below this benchmark. While the company's 10-year median is 0.32 vs. the industry median of 1.09, FINEOS Holdings 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 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. FINEOS Holdings's current Debt-to-EBITDA of 0.06 is 94.5% 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 FINEOS Holdings. 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. FINEOS Holdings's current Debt-to-EBITDA is 0.06, which is 81% below median its own 10-year median of 0.32. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FINEOS Holdings stock overvalued right now?
FINEOS Holdings (FNCHF) has a current Debt-to-EBITDA of 0.06. The stock's GF Value™ is $2.70, compared to a current price of $2.16 — trading 20% below its estimated fair value. The current Debt-to-EBITDA is 0.06, which is 81% below median its 10-year median of 0.32 and 94.5% below the Software industry median of 1.09. FINEOS Holdings' overall GF Score™ is 69/100 with 1 warning sign 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 FINEOS Holdings (FNCHF), the current Debt-to-EBITDA is 0.06 as of Dec. 2025. 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 FINEOS Holdings (FNCHF) Overvalued in 2026?
Based on GuruFocus' analysis, FINEOS Holdings stock appears to be undervalued.
The current stock price of $2.16 is trading 20% below its estimated GF Value™ of $2.70.
Key valuation signals for FNCHF:
Debt-to-EBITDA: 0.06 (81% below median its 10-year median of 0.32)
GF Value™: $2.70 vs. price of $2.16 (20% below fair value)
Industry Position: 94.5% below the Software median (#158 of 1716)
No single metric tells the full story. See the FNCHF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Fineos Corp Holdings PLC is an Irish company engaged in providing software solutions that include management and administration of policies and claims to the life, accident, and health insurance industry. The company's platform, Fineos AdminSuite, comprises Fineos Absence, Fineos Billing, Fineos Claims, Fineos Payments, and Fineos Provider, among other solutions.
69GF Score
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