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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 GMO Payment Gateway's Debt-to-EBITDA or its related term are showing as below:
FRA:3RH'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.02 Med: 1.9 Max: 3.17
Current: 1.85
During the past 13 years, the highest Debt-to-EBITDA Ratio of GMO Payment Gateway was 3.17. The lowest was 0.02. And the median was 1.90.
FRA:3RH's Debt-to-EBITDA is ranked worse than 61.86% of 1725
companies
in the Software industry
Industry Median: 1.09
vs FRA:3RH: 1.85
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.
GMO Payment Gateway Debt-to-EBITDA Related Terms
GMO Payment Gateway Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for GMO Payment Gateway'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.
FRA:3RH vs MSFT, ORCL, PLTR: Debt-to-EBITDA Comparison
For the Software - Infrastructure subindustry, GMO Payment Gateway'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.
GMO Payment Gateway Debt-to-EBITDA vs Software Industry
For the Software industry and Technology sector, GMO Payment Gateway's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where GMO Payment Gateway'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.
GMO Payment Gateway (FRA:3RH) has a Debt-to-EBITDA of 1.63 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 GMO Payment Gateway. This is 14% below median its historical median of 1.90. Over the past decade, GMO Payment Gateway's Debt-to-EBITDA has ranged from 0.02 to 3.17. According to the industry distribution chart, GMO Payment Gateway ranks #1067 out of 1725 companies in the Software industry, placing it in the top 61.9%.
Is GMO Payment Gateway's Debt-to-EBITDA too high?
GMO Payment Gateway's current Debt-to-EBITDA of 1.63 is 14% below median its 10-year median of 1.90. Over the past 10 years, this metric has ranged from a low of 0.02 to a high of 3.17. The Software industry median Debt-to-EBITDA is 1.09. GMO Payment Gateway's value of 1.63 is 49.5% above this industry median. Based on the distribution chart, GMO Payment Gateway ranks #1067 out of 1725 companies in the Software industry, which is below the industry midpoint. Overall, GMO Payment Gateway has a GF Score™ of 96/100, reflecting its overall financial health beyond just this single metric.
How does GMO Payment Gateway's Debt-to-EBITDA compare to MSFT and ORCL?
According to the Software industry distribution chart, GMO Payment Gateway ranks #1067 out of 1725 companies for Debt-to-EBITDA. This places GMO Payment Gateway in the lower half of its industry. The industry median Debt-to-EBITDA is 1.09. GMO Payment Gateway's value of 1.63 is 49.5% above this benchmark. Historically, GMO Payment Gateway's own Debt-to-EBITDA has ranged from 0.02 to 3.17 over the past decade. While the company's 10-year median is 1.90 vs. the industry median of 1.09, GMO Payment Gateway 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 Software company?
The median Debt-to-EBITDA among Software companies is 1.09, based on 1,725 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. GMO Payment Gateway's current Debt-to-EBITDA of 1.63 is 49.5% 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 GMO Payment Gateway. 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. GMO Payment Gateway's current Debt-to-EBITDA is 1.63, which is 14% below median its own 10-year median of 1.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is GMO Payment Gateway stock overvalued right now?
GMO Payment Gateway (FRA:3RH) has a current Debt-to-EBITDA of 1.63. The stock's GF Value™ is €55.12, compared to a current price of €51.50 — trading 6.6% below its estimated fair value. The current Debt-to-EBITDA is 1.63, which is 14% below median its 10-year median of 1.90 and 49.5% above the Software industry median of 1.09. GMO Payment Gateway's overall GF Score™ is 96/100 with 4 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 GMO Payment Gateway (FRA:3RH), the current Debt-to-EBITDA is 1.63 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 GMO Payment Gateway (FRA:3RH) Overvalued in 2026?
Based on GuruFocus' analysis, GMO Payment Gateway stock appears to be undervalued.
The current stock price of €51.50 is trading 6.6% below its estimated GF Value™ of €55.12.
Key valuation signals for FRA:3RH:
Debt-to-EBITDA: 1.63 (14% below median its 10-year median of 1.90)
GF Value™: €55.12 vs. price of €51.50 (6.6% below fair value)
Industry Position: 49.5% above the Software median (#1067 of 1725)
No single metric tells the full story. See the FRA:3RH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
GMO Payment Gateway is a major Japanese provider of cashless and online payment infrastructure, serving many sectors including digital content and telecommunications, utilities, retail and hospitality, financial services, healthcare, and education. It serves a wide array of clients, from government agencies and municipalities to enterprises and merchants, across online and offline channels, including e-commerce platforms, physical stores, and unattended machines. Its services encompass payment processing, settlement solutions, and ancillary offerings such as early or deferred settlement services, transaction lending, buy now, pay later, online advertising, and internet security. GMO is expanding into adjacent financial technology operations, and gradually across Asia and North America.
96GF 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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