Harmoney (FRA:6DR) Debt-to-EBITDA : (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:6DR Harmoney Corp Ltd FRA:6DR
62 GF Score
Price €0.37
GF Value €0.35
! 4 Warning Signs
View Full Analysis

What is Harmoney Debt-to-EBITDA?

Debt-to-EBITDA measures a company's ability to pay off its debt.

Harmoney's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was €0.30 Mil. Harmoney's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was €531.71 Mil. Harmoney's annualized EBITDA for the quarter that ended in Jun. 2026 was €38.82 Mil. Harmoney's annualized Debt-to-EBITDA for the quarter that ended in Jun. 2026 was 13.70.

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 Harmoney's Debt-to-EBITDA or its related term are showing as below:

FRA:6DR' s Debt-to-EBITDA Range Over the Past 10 Years
Min: -15.64   Med: 14.99   Max: 948.56
Current: 13.27

During the past 9 years, the highest Debt-to-EBITDA Ratio of Harmoney was 948.56. The lowest was -15.64. And the median was 14.99.

FRA:6DR's Debt-to-EBITDA is ranked worse than
66.2% of 287 companies
in the Credit Services industry
Industry Median: 8.34 vs FRA:6DR: 13.27

Harmoney  (FRA:6DR) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.


Be Aware

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.


Harmoney Debt-to-EBITDA Related Terms


Harmoney Debt-to-EBITDA Historical Data

* Premium members only.

The historical data trend for Harmoney'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.

Harmoney Debt-to-EBITDA Chart

Harmoney Annual Data
Trend Mar18 Mar19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25 Jun26
Debt-to-EBITDA
Get a 7-Day Free Trial Premium Member Only - - - - -

Harmoney Semi-Annual Data
Dec19 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25 Jun26
Debt-to-EBITDA Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only - - - - -

FRA:6DR vs V, MA, AXP: Debt-to-EBITDA Comparison

For the Credit Services subindustry, Harmoney'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.


Harmoney Debt-to-EBITDA vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Harmoney's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where Harmoney's Debt-to-EBITDA falls into.


FRA:6DR
62GF Score
Harmoney Corp Ltd FRA:6DR
Debt-to-EBITDA is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Harmoney Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

Harmoney's Debt-to-EBITDA for the fiscal year that ended in Jun. 2026 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(0.29995276830292 + 531.70779043234) / 37.523144744994
=14.18

Harmoney's annualized Debt-to-EBITDA for the quarter that ended in Jun. 2026 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(0.29995276830292 + 531.70779043234) / 38.82199733735
=13.70

* 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 (Jun. 2026) EBITDA data.

Is Harmoney (FRA:6DR) Overvalued in 2026?

Based on GuruFocus' analysis, Harmoney stock appears to be overvalued. The current stock price of €0.37 is trading 6.3% above its estimated GF Value™ of €0.35.

Key valuation signals for FRA:6DR:

  • Debt-to-EBITDA:
  • GF Value™: €0.35 vs. price of €0.37 (6.3% above fair value)
  • GF Score™: 62/100 with 4 warning signs

No single metric tells the full story. See the FRA:6DR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Harmoney Business Description

Other Exchanges HMY:Australia
Address 110 Customs Street West, Level 3, Auckland, NTL, NZL, 1010
Harmoney Corp Ltd operates in the consumer credit industry. It provides customers with secured and unsecured personal loans that are easy to access, competitively priced using risk-adjusted interest rates, and accessed completely online. Geographically, the group generates maximum revenue from its business in Australia, and the rest from New Zealand.
62GF Score

Get the complete analysis for FRA:6DR

Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.37
Price
€0.35
GF Value