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.
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.
ALBIS Leasing AGFRA:ALG +2.65%66 Debt-to-EBITDA is 24.03 as of Dec. 2025, which is 32% below its 10-year median of 35.51. GuruFocus rates FRA:ALG with a GF Score™ of 66/100 and a GF Value™ of €2.51. The stock has 7 warning signs investors should review. Among 284 Credit Services companies, ALBIS Leasing AG ranks worse than 82.39% 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 ALBIS Leasing AG's Debt-to-EBITDA or its related term are showing as below:
FRA:ALG'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 23.43 Med: 35.51 Max: 255.19
Current: 25.21
During the past 13 years, the highest Debt-to-EBITDA Ratio of ALBIS Leasing AG was 255.19. The lowest was 23.43. And the median was 35.51.
FRA:ALG's Debt-to-EBITDA is ranked worse than 82.39% of 284
companies
in the Credit Services industry
Industry Median: 9.2
vs FRA:ALG: 25.21
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.
ALBIS Leasing AG Debt-to-EBITDA Related Terms
ALBIS Leasing AG Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for ALBIS Leasing AG'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 Credit Services subindustry, ALBIS Leasing AG'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.
ALBIS Leasing AG Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ALBIS Leasing AG's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where ALBIS Leasing AG'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.
ALBIS Leasing AG (FRA:ALG) has a Debt-to-EBITDA of 24.03 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 ALBIS Leasing AG. This is 32% below median its historical median of 35.51. Over the past decade, ALBIS Leasing AG's Debt-to-EBITDA has ranged from 23.43 to 255.19. According to the industry distribution chart, ALBIS Leasing AG ranks #234 out of 284 companies in the Credit Services industry, placing it in the top 82.4%.
Is ALBIS Leasing AG's Debt-to-EBITDA too high?
ALBIS Leasing AG's current Debt-to-EBITDA of 24.03 is 32% below median its 10-year median of 35.51. Over the past 10 years, this metric has ranged from a low of 23.43 to a high of 255.19. The Credit Services industry median Debt-to-EBITDA is 9.20. ALBIS Leasing AG's value of 24.03 is 161.2% above this industry median. Based on the distribution chart, ALBIS Leasing AG ranks #234 out of 284 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, ALBIS Leasing AG has a GF Score™ of 66/100, reflecting its overall financial health beyond just this single metric.
How does ALBIS Leasing AG's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, ALBIS Leasing AG ranks #234 out of 284 companies for Debt-to-EBITDA. This places ALBIS Leasing AG in the lower half of its industry. The industry median Debt-to-EBITDA is 9.20. ALBIS Leasing AG's value of 24.03 is 161.2% above this benchmark. Historically, ALBIS Leasing AG's own Debt-to-EBITDA has ranged from 23.43 to 255.19 over the past decade. While the company's 10-year median is 35.51 vs. the industry median of 9.20, ALBIS Leasing AG 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 9.20, based on 284 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. ALBIS Leasing AG's current Debt-to-EBITDA of 24.03 is 161.2% 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 ALBIS Leasing AG. For the Credit Services industry, the median Debt-to-EBITDA is 9.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ALBIS Leasing AG's current Debt-to-EBITDA is 24.03, which is 32% below median its own 10-year median of 35.51. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ALBIS Leasing AG stock overvalued right now?
ALBIS Leasing AG (FRA:ALG) has a current Debt-to-EBITDA of 24.03. The stock's GF Value™ is €2.51, compared to a current price of €3.10 — trading 23.5% above its estimated fair value. The current Debt-to-EBITDA is 24.03, which is 32% below median its 10-year median of 35.51 and 161.2% above the Credit Services industry median of 9.20. ALBIS Leasing AG's overall GF Score™ is 66/100 with 7 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 ALBIS Leasing AG (FRA:ALG), the current Debt-to-EBITDA is 24.03 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 ALBIS Leasing AG (FRA:ALG) Overvalued in 2026?
Based on GuruFocus' analysis, ALBIS Leasing AG stock appears to be overvalued.
The current stock price of €3.10 is trading 23.5% above its estimated GF Value™ of €2.51.
Key valuation signals for FRA:ALG:
Debt-to-EBITDA: 24.03 (32% below median its 10-year median of 35.51)
GF Value™: €2.51 vs. price of €3.10 (23.5% above fair value)
Industry Position: 161.2% above the Credit Services median (#234 of 284)
No single metric tells the full story. See the FRA:ALG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
ALBIS Leasing AG is in the lease financing services for renewable energy products, forestry, park, and garden equipment; photo and media technology products; catering and food service equipment; crafts equipment; information technology products.
66GF Score
Get the complete analysis for FRA:ALG
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:ALG has been successfully added to your 
