Qliro ABFRA:2AI +0.61%65 Debt-to-EBITDA is 25.90 as of Mar. 2026, which is 57% below its 10-year median of 60.63. GuruFocus rates FRA:2AI with a GF Score™ of 65/100 and a GF Value™ of €1.55 (Fairly Valued). The stock has 6 warning signs investors should review. Among 282 Credit Services companies, Qliro AB ranks worse than 354609.57% 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 Qliro AB's Debt-to-EBITDA or its related term are showing as below:
FRA:2AI'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -1377.24 Med: 60.63 Max: 116.1
Current: -1377.24
During the past 9 years, the highest Debt-to-EBITDA Ratio of Qliro AB was 116.10. The lowest was -1377.24. And the median was 60.63.
FRA:2AI's Debt-to-EBITDA is ranked worse than 100% of 282
companies
in the Credit Services industry
Industry Median: 9.3
vs FRA:2AI: -1377.24
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.
Qliro AB Debt-to-EBITDA Related Terms
Qliro AB Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Qliro AB'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 Credit Services subindustry, Qliro AB'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.
Qliro AB Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Qliro AB's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Qliro AB'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.
Qliro AB (FRA:2AI) has a Debt-to-EBITDA of 25.90 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 Qliro AB. This is 57% below median its historical median of 60.63. According to the industry distribution chart, Qliro AB ranks #999999 out of 282 companies in the Credit Services industry.
Is Qliro AB's Debt-to-EBITDA too high?
Qliro AB's current Debt-to-EBITDA of 25.90 is 57% below median its 10-year median of 60.63. The Credit Services industry median Debt-to-EBITDA is 9.30. Qliro AB's value of 25.90 is 178.5% above this industry median. Based on the distribution chart, Qliro AB ranks #999999 out of 282 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Qliro AB has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Qliro AB's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Qliro AB ranks #999999 out of 282 companies for Debt-to-EBITDA. This places Qliro AB in the lower half of its industry. The industry median Debt-to-EBITDA is 9.30. Qliro AB's value of 25.90 is 178.5% above this benchmark. While the company's 10-year median is 60.63 vs. the industry median of 9.30, Qliro AB 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 Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 9.30, based on 282 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. Qliro AB's current Debt-to-EBITDA of 25.90 is 178.5% 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 Qliro AB. For the Credit Services industry, the median Debt-to-EBITDA is 9.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Qliro AB's current Debt-to-EBITDA is 25.90, which is 57% below median its own 10-year median of 60.63. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Qliro AB stock overvalued right now?
Based on GuruFocus' analysis, Qliro AB (FRA:2AI) is currently considered Fairly Valued. The stock's GF Value™ is €1.55, compared to a current price of €1.66 — trading 7.1% above its estimated fair value. The current Debt-to-EBITDA is 25.90, which is 57% below median its 10-year median of 60.63 and 178.5% above the Credit Services industry median of 9.30. Qliro AB's overall GF Score™ is 65/100 with 6 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 Qliro AB (FRA:2AI), the current Debt-to-EBITDA is 25.90 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 Qliro AB (FRA:2AI) Overvalued in 2026?
Based on GuruFocus' analysis, Qliro AB stock appears to be overvalued.
The current stock price of €1.66 is trading 7.1% above its estimated GF Value™ of €1.55.
GuruFocus considers Qliro AB to be Fairly Valued.
Key valuation signals for FRA:2AI:
Debt-to-EBITDA: 25.90 (57% below median its 10-year median of 60.63)
GF Value™: €1.55 vs. price of €1.66 (7.1% above fair value)
Industry Position: 178.5% above the Credit Services median (#999999 of 282)
No single metric tells the full story. See the FRA:2AI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Qliro AB is a fintech company that provides digital payment solutions to both Enterprise and SME merchants, with a primary focus on e-commerce. Its offering to merchants includes a checkout solution designed to maximise both conversion and upselling. The Unified Payments system integrates all relevant payment methods in one offering, allowing flexible implementation. For consumers, Qliro offers its proprietary invoice and part-payment services (Pay Later) available through connected merchants throughout the Nordics, as well as personal savings accounts in Sweden and Germany. The Group identifies only one operating segment: Payment Solutions. Geographically, it generates maximum revenue from Sweden, and the rest from Finland, Denmark, and Norway.
65GF Score
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