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CFI HoldingFRA:681 +17.95%49 Debt-to-EBITDA is 4.90 as of Mar. 2026, which is 42% above its 10-year median of 3.46. GuruFocus rates FRA:681 with a GF Score™ of 49/100 and a GF Value™ of €0.04 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 453 Conglomerates companies, CFI Holding ranks worse than 61.81% 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 CFI Holding's Debt-to-EBITDA or its related term are showing as below:
FRA:681'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -12.76 Med: 3.46 Max: 26.53
Current: 3.67
During the past 13 years, the highest Debt-to-EBITDA Ratio of CFI Holding was 26.53. The lowest was -12.76. And the median was 3.46.
FRA:681's Debt-to-EBITDA is ranked worse than 61.81% of 453
companies
in the Conglomerates industry
Industry Median: 2.73
vs FRA:681: 3.67
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.
CFI Holding Debt-to-EBITDA Related Terms
CFI Holding Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for CFI Holding'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 Conglomerates subindustry, CFI Holding'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.
CFI Holding Debt-to-EBITDA vs Conglomerates Industry
For the Conglomerates industry and Industrials sector, CFI Holding's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where CFI Holding'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.
CFI Holding (FRA:681) has a Debt-to-EBITDA of 4.90 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 CFI Holding. This is 42% above median its historical median of 3.46. According to the industry distribution chart, CFI Holding ranks #280 out of 453 companies in the Conglomerates industry, placing it in the top 61.8%.
Is CFI Holding's Debt-to-EBITDA too high?
CFI Holding's current Debt-to-EBITDA of 4.90 is 42% above median its 10-year median of 3.46. The Conglomerates industry median Debt-to-EBITDA is 2.73. CFI Holding's value of 4.90 is 79.5% above this industry median. Based on the distribution chart, CFI Holding ranks #280 out of 453 companies in the Conglomerates industry, which is below the industry midpoint. Overall, CFI Holding has a GF Score™ of 49/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does CFI Holding's Debt-to-EBITDA compare to MMM and HON?
According to the Conglomerates industry distribution chart, CFI Holding ranks #280 out of 453 companies for Debt-to-EBITDA. This places CFI Holding in the lower half of its industry. The industry median Debt-to-EBITDA is 2.73. CFI Holding's value of 4.90 is 79.5% above this benchmark. While the company's 10-year median is 3.46 vs. the industry median of 2.73, CFI Holding 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 Conglomerates company?
The median Debt-to-EBITDA among Conglomerates companies is 2.73, based on 453 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. CFI Holding's current Debt-to-EBITDA of 4.90 is 79.5% 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 CFI Holding. For the Conglomerates industry, the median Debt-to-EBITDA is 2.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CFI Holding's current Debt-to-EBITDA is 4.90, which is 42% above median its own 10-year median of 3.46. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CFI Holding stock overvalued right now?
Based on GuruFocus' analysis, CFI Holding (FRA:681) is currently considered Possible Value Trap. The stock's GF Value™ is €0.04, compared to a current price of €0.02 — trading 42.5% below its estimated fair value. The current Debt-to-EBITDA is 4.90, which is 42% above median its 10-year median of 3.46 and 79.5% above the Conglomerates industry median of 2.73. CFI Holding's overall GF Score™ is 49/100 with 3 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 CFI Holding (FRA:681), the current Debt-to-EBITDA is 4.90 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 CFI Holding (FRA:681) Overvalued in 2026?
Based on GuruFocus' analysis, CFI Holding stock appears to be undervalued.
The current stock price of €0.02 is trading 42.5% below its estimated GF Value™ of €0.04.
GuruFocus considers CFI Holding to be Possible Value Trap.
Key valuation signals for FRA:681:
Debt-to-EBITDA: 4.90 (42% above median its 10-year median of 3.46)
GF Value™: €0.04 vs. price of €0.02 (42.5% below fair value)
Industry Position: 79.5% above the Conglomerates median (#280 of 453)
No single metric tells the full story. See the FRA:681 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CFI Holding SA is a Poland based company engaged in providing construction services. The company offers design, construction, sale, rental and management of residential buildings and public facilities, such as hospitals, petrol stations, warehouses, and others.
49GF Score
Get the complete analysis for FRA:681
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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