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Lumi Education Group ASFRA:8KS 73 Debt-to-EBITDA is 3.21 as of Dec. 2025, which is 15% below its 10-year median of 3.77. GuruFocus rates FRA:8KS with a GF Score™ of 73/100 and a GF Value™ of €1.30. The stock has 6 warning signs investors should review. Among 190 Education companies, Lumi Education Group AS ranks worse than 74.21% 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 Lumi Education Group AS's Debt-to-EBITDA or its related term are showing as below:
FRA:8KS'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -2.7 Med: 3.77 Max: 4.91
Current: 3.67
During the past 6 years, the highest Debt-to-EBITDA Ratio of Lumi Education Group AS was 4.91. The lowest was -2.70. And the median was 3.77.
FRA:8KS's Debt-to-EBITDA is ranked worse than 74.21% of 190
companies
in the Education industry
Industry Median: 1.505
vs FRA:8KS: 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.
Lumi Education Group AS Debt-to-EBITDA Related Terms
Lumi Education Group AS 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.
FRA:8KS vs EDU, TAL, LAUR: Debt-to-EBITDA Comparison
For the Education & Training Services subindustry, Lumi Education Group AS'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.
Lumi Education Group AS Debt-to-EBITDA vs Education Industry
For the Education industry and Consumer Defensive sector, Lumi Education Group AS's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Lumi Education Group AS'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.
Lumi Education Group AS (FRA:8KS) has a Debt-to-EBITDA of 3.21 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 Lumi Education Group AS. This is 15% below median its historical median of 3.77. According to the industry distribution chart, Lumi Education Group AS ranks #141 out of 190 companies in the Education industry, placing it in the top 74.2%.
Is Lumi Education Group AS's Debt-to-EBITDA too high?
Lumi Education Group AS's current Debt-to-EBITDA of 3.21 is 15% below median its 10-year median of 3.77. The Education industry median Debt-to-EBITDA is 1.51. Lumi Education Group AS's value of 3.21 is 113.3% above this industry median. Based on the distribution chart, Lumi Education Group AS ranks #141 out of 190 companies in the Education industry, which is below the industry midpoint. Overall, Lumi Education Group AS has a GF Score™ of 73/100, reflecting its overall financial health beyond just this single metric.
How does Lumi Education Group AS's Debt-to-EBITDA compare to EDU and TAL?
According to the Education industry distribution chart, Lumi Education Group AS ranks #141 out of 190 companies for Debt-to-EBITDA. This places Lumi Education Group AS in the lower half of its industry. The industry median Debt-to-EBITDA is 1.51. Lumi Education Group AS's value of 3.21 is 113.3% above this benchmark. While the company's 10-year median is 3.77 vs. the industry median of 1.51, Lumi Education Group AS 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 an Education company?
The median Debt-to-EBITDA among Education companies is 1.51, based on 190 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. Lumi Education Group AS's current Debt-to-EBITDA of 3.21 is 113.3% 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 Lumi Education Group AS. For the Education industry, the median Debt-to-EBITDA is 1.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lumi Education Group AS's current Debt-to-EBITDA is 3.21, which is 15% below median its own 10-year median of 3.77. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Lumi Education Group AS stock overvalued right now?
Lumi Education Group AS (FRA:8KS) has a current Debt-to-EBITDA of 3.21. The stock's GF Value™ is €1.30, compared to a current price of €1.64 — trading 26.2% above its estimated fair value. The current Debt-to-EBITDA is 3.21, which is 15% below median its 10-year median of 3.77 and 113.3% above the Education industry median of 1.51. Lumi Education Group AS's overall GF Score™ is 73/100 with 6 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 Lumi Education Group AS (FRA:8KS), the current Debt-to-EBITDA is 3.21 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 Lumi Education Group AS (FRA:8KS) Overvalued in 2026?
Based on GuruFocus' analysis, Lumi Education Group AS stock appears to be overvalued.
The current stock price of €1.64 is trading 26.2% above its estimated GF Value™ of €1.30.
Key valuation signals for FRA:8KS:
Debt-to-EBITDA: 3.21 (15% below median its 10-year median of 3.77)
GF Value™: €1.30 vs. price of €1.64 (26.2% above fair value)
Industry Position: 113.3% above the Education median (#141 of 190)
No single metric tells the full story. See the FRA:8KS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Lumi Education Group AS is a Norwegian education provider. Its three main operations include: Sonans, Oslo Nye Høyskole, and EnkelEksamen. Sonans provides private candidate exam preparation courses in Norway, while Oslo Nye Høyskole offers bachelor's degree programs in health, social sciences, psychology, and business administration through on-campus and online formats. EnkelEksamen is a digital learning platform that provides online video courses and AI-based learning tools for exam preparation.
73GF Score
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