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Champion HomesFRA:3IL 80 Debt-to-EBITDA is 0.37 as of Jun. 2026, which is 14% below its 10-year median of 0.43. GuruFocus rates FRA:3IL with a GF Score™ of 80/100 and a GF Value™ of €64.79. The stock has 7 warning signs investors should review. Among 81 Homebuilding & Construction companies, Champion Homes ranks better than 91.36% 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 Champion Homes's Debt-to-EBITDA or its related term are showing as below:
FRA:3IL'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -4.41 Med: 0.43 Max: 1.58
Current: 0.4
During the past 13 years, the highest Debt-to-EBITDA Ratio of Champion Homes was 1.58. The lowest was -4.41. And the median was 0.43.
FRA:3IL's Debt-to-EBITDA is ranked better than 91.36% of 81
companies
in the Homebuilding & Construction industry
Industry Median: 3.51
vs FRA:3IL: 0.40
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.
Champion Homes Debt-to-EBITDA Related Terms
Champion Homes Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Champion Homes'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 Residential Construction subindustry, Champion Homes'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.
Champion Homes Debt-to-EBITDA vs Homebuilding & Construction Industry
For the Homebuilding & Construction industry and Consumer Cyclical sector, Champion Homes's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Champion Homes'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 (Jun. 2026) EBITDA data.
Champion Homes (FRA:3IL) has a Debt-to-EBITDA of 0.37 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Champion Homes. This is 14% below median its historical median of 0.43. According to the industry distribution chart, Champion Homes ranks #7 out of 81 companies in the Homebuilding & Construction industry, placing it in the top 8.6%.
Is Champion Homes' Debt-to-EBITDA too high?
Champion Homes' current Debt-to-EBITDA of 0.37 is 14% below median its 10-year median of 0.43. The Homebuilding & Construction industry median Debt-to-EBITDA is 3.51. Champion Homes' value of 0.37 is 89.5% below this industry median. Based on the distribution chart, Champion Homes ranks #7 out of 81 companies in the Homebuilding & Construction industry, which is in the top quartile — a strong position relative to peers. Overall, Champion Homes has a GF Score™ of 80/100, reflecting its overall financial health beyond just this single metric.
How does Champion Homes' Debt-to-EBITDA compare to ?
According to the Homebuilding & Construction industry distribution chart, Champion Homes ranks #7 out of 81 companies for Debt-to-EBITDA. This places Champion Homes in the top 9% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 3.51. Champion Homes' value of 0.37 is 89.5% below this benchmark. While the company's 10-year median is 0.43 vs. the industry median of 3.51, Champion Homes 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 Homebuilding & Construction company?
The median Debt-to-EBITDA among Homebuilding & Construction companies is 3.51, based on 81 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. Champion Homes's current Debt-to-EBITDA of 0.37 is 89.5% 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 Champion Homes. For the Homebuilding & Construction industry, the median Debt-to-EBITDA is 3.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Champion Homes's current Debt-to-EBITDA is 0.37, which is 14% below median its own 10-year median of 0.43. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Champion Homes stock overvalued right now?
Champion Homes (FRA:3IL) has a current Debt-to-EBITDA of 0.37. The stock's GF Value™ is €64.79, compared to a current price of €65.00 — trading 0.3% above its estimated fair value. The current Debt-to-EBITDA is 0.37, which is 14% below median its 10-year median of 0.43 and 89.5% below the Homebuilding & Construction industry median of 3.51. Champion Homes' overall GF Score™ is 80/100 with 7 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 Champion Homes (FRA:3IL), the current Debt-to-EBITDA is 0.37 as of Jun. 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 Champion Homes (FRA:3IL) Overvalued in 2026?
Based on GuruFocus' analysis, Champion Homes stock appears to be overvalued.
The current stock price of €65.00 is trading 0.3% above its estimated GF Value™ of €64.79.
Key valuation signals for FRA:3IL:
Debt-to-EBITDA: 0.37 (14% below median its 10-year median of 0.43)
GF Value™: €64.79 vs. price of €65.00 (0.3% above fair value)
Industry Position: 89.5% below the Homebuilding & Construction median (#7 of 81)
No single metric tells the full story. See the FRA:3IL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Champion Homes Inc is a factory-built housing company in North America. The company is well positioned with an portfolio of manufactured and modular homes, ADUs, park-models and modular buildings for the single-family, multi-family, and other hospitality sectors. In addition to its core home building business, the company provides construction services to install and set-up factory-built homes, operates a factory-direct retail business with 72 retail locations across the United States, and operates Star Fleet Trucking, providing transportation services to the manufactured housing and other industries from several dispatch locations across the United States.
80GF 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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