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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.
FRA:5UM'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 13.6 Med: 16.01 Max: 18.66
Current: 13.68
During the past 12 years, the highest Debt-to-EBITDA Ratio of Genertec Universal Medical Group Co was 18.66. The lowest was 13.60. And the median was 16.01.
FRA:5UM's Debt-to-EBITDA is ranked worse than 67.02% of 285
companies
in the Credit Services industry
Industry Median: 8.44
vs FRA:5UM: 13.68
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.
Genertec Universal Medical Group Co Debt-to-EBITDA Related Terms
Genertec Universal Medical Group Co Debt-to-EBITDA Historical Data
* 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.
Genertec Universal Medical Group Co Debt-to-EBITDA Chart
For the Credit Services subindustry, Genertec Universal Medical Group Co'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.
Genertec Universal Medical Group Co Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Genertec Universal Medical Group Co's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Genertec Universal Medical Group Co'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.
Genertec Universal Medical Group Co (FRA:5UM) has a Debt-to-EBITDA of 14.97 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 Genertec Universal Medical Group Co. This is near median its historical median of 16.01. Over the past decade, Genertec Universal Medical Group Co's Debt-to-EBITDA has ranged from 13.60 to 18.66. According to the industry distribution chart, Genertec Universal Medical Group Co ranks #191 out of 285 companies in the Credit Services industry, placing it in the top 67%.
Is Genertec Universal Medical Group Co's Debt-to-EBITDA too high?
Genertec Universal Medical Group Co's current Debt-to-EBITDA of 14.97 is near median its 10-year median of 16.01. Over the past 10 years, this metric has ranged from a low of 13.60 to a high of 18.66. The Credit Services industry median Debt-to-EBITDA is 8.44. Genertec Universal Medical Group Co's value of 14.97 is 77.4% above this industry median. Based on the distribution chart, Genertec Universal Medical Group Co ranks #191 out of 285 companies in the Credit Services industry, which is below the industry midpoint. Overall, Genertec Universal Medical Group Co has a GF Score™ of 48/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Genertec Universal Medical Group Co's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Genertec Universal Medical Group Co ranks #191 out of 285 companies for Debt-to-EBITDA. This places Genertec Universal Medical Group Co in the lower half of its industry. The industry median Debt-to-EBITDA is 8.44. Genertec Universal Medical Group Co's value of 14.97 is 77.4% above this benchmark. Historically, Genertec Universal Medical Group Co's own Debt-to-EBITDA has ranged from 13.60 to 18.66 over the past decade. While the company's 10-year median is 16.01 vs. the industry median of 8.44, Genertec Universal Medical Group Co 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 8.44, based on 285 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. Genertec Universal Medical Group Co's current Debt-to-EBITDA of 14.97 is 77.4% 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 Genertec Universal Medical Group Co. For the Credit Services industry, the median Debt-to-EBITDA is 8.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Genertec Universal Medical Group Co's current Debt-to-EBITDA is 14.97, which is near median its own 10-year median of 16.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Genertec Universal Medical Group Co stock overvalued right now?
Based on GuruFocus' analysis, Genertec Universal Medical Group Co (FRA:5UM) is currently considered Fairly Valued. The stock's GF Value™ is €0.46, compared to a current price of €0.50 — trading 8.3% above its estimated fair value. The current Debt-to-EBITDA is 14.97, which is near median its 10-year median of 16.01 and 77.4% above the Credit Services industry median of 8.44. Genertec Universal Medical Group Co's overall GF Score™ is 48/100 with 5 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 Genertec Universal Medical Group Co (FRA:5UM), the current Debt-to-EBITDA is 14.97 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 Genertec Universal Medical Group Co (FRA:5UM) Overvalued in 2026?
Based on GuruFocus' analysis, Genertec Universal Medical Group Co stock appears to be overvalued.
The current stock price of €0.50 is trading 8.3% above its estimated GF Value™ of €0.46.
GuruFocus considers Genertec Universal Medical Group Co to be Fairly Valued.
Key valuation signals for FRA:5UM:
Debt-to-EBITDA: 14.97 (near median its 10-year median of 16.01)
GF Value™: €0.46 vs. price of €0.50 (8.3% above fair value)
Industry Position: 77.4% above the Credit Services median (#191 of 285)
No single metric tells the full story. See the FRA:5UM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Genertec Universal Medical Group Co Ltd is principally engaged in providing financing to its customers under finance lease arrangements, the provision of advisory services, the sale of medical equipment as well as leases under operating lease arrangements, and the provision of other services. The group has two business segments namely The finance business comprises direct finance leasing, sale-and-leaseback, factoring, operating leases, and advisory services; and Healthcare business comprises includes hospital group business, healthcare technology business and specialty business. Geographically, it derives a majority of its revenue from Mainland China.
48GF Score
Get the complete analysis for FRA:5UM
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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