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.
Fast Finance24 Holding AGFRA:FF24 Debt-to-EBITDA is 2.06 as of Jun. 2025, which is 2189% above its 10-year median of 0.09. The stock has 2 warning signs investors should review. Among 283 Credit Services companies, Fast Finance24 Holding AG ranks worse than 353356.54% 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 Fast Finance24 Holding AG's Debt-to-EBITDA or its related term are showing as below:
FRA:FF24'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -10.38 Med: 0.09 Max: 6.8
Current: -0.17
During the past 13 years, the highest Debt-to-EBITDA Ratio of Fast Finance24 Holding AG was 6.80. The lowest was -10.38. And the median was 0.09.
FRA:FF24's Debt-to-EBITDA is ranked worse than 100% of 283
companies
in the Credit Services industry
Industry Median: 8.69
vs FRA:FF24: -0.17
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.
Fast Finance24 Holding AG Debt-to-EBITDA Related Terms
Fast Finance24 Holding AG 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.
For the Credit Services subindustry, Fast Finance24 Holding 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.
Fast Finance24 Holding AG Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Fast Finance24 Holding AG's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Fast Finance24 Holding 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 (Jun. 2025) EBITDA data.
Fast Finance24 Holding AG (FRA:FF24) has a Debt-to-EBITDA of 2.06 as of Jun. 2025. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Fast Finance24 Holding AG. This is 2189% above median its historical median of 0.09. According to the industry distribution chart, Fast Finance24 Holding AG ranks #999999 out of 283 companies in the Credit Services industry.
Is Fast Finance24 Holding AG's Debt-to-EBITDA too high?
Fast Finance24 Holding AG's current Debt-to-EBITDA of 2.06 is 2189% above median its 10-year median of 0.09. The Credit Services industry median Debt-to-EBITDA is 8.69. Fast Finance24 Holding AG's value of 2.06 is 76.3% below this industry median. Based on the distribution chart, Fast Finance24 Holding AG ranks #999999 out of 283 companies in the Credit Services industry, which is in the bottom quartile relative to peers.
How does Fast Finance24 Holding AG's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Fast Finance24 Holding AG ranks #999999 out of 283 companies for Debt-to-EBITDA. This places Fast Finance24 Holding AG in the lower half of its industry. The industry median Debt-to-EBITDA is 8.69. Fast Finance24 Holding AG's value of 2.06 is 76.3% below this benchmark. While the company's 10-year median is 0.09 vs. the industry median of 8.69, Fast Finance24 Holding AG has consistently been below 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 8.69, based on 283 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. Fast Finance24 Holding AG's current Debt-to-EBITDA of 2.06 is 76.3% below 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 Fast Finance24 Holding AG. For the Credit Services industry, the median Debt-to-EBITDA is 8.69 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fast Finance24 Holding AG's current Debt-to-EBITDA is 2.06, which is 2189% above median its own 10-year median of 0.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fast Finance24 Holding AG stock overvalued right now?
Fast Finance24 Holding AG (FRA:FF24) has a current Debt-to-EBITDA of 2.06. The current Debt-to-EBITDA is 2.06, which is 2189% above median its 10-year median of 0.09 and 76.3% below the Credit Services industry median of 8.69. 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 Fast Finance24 Holding AG (FRA:FF24), the current Debt-to-EBITDA is 2.06 as of Jun. 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.
Fast Finance24 Holding AG is involved in providing different online products for consumer credits such as FF24 Rent, FF24 payments and FF24 Pay offering financial services to benefit the underbanked people facing a short-term economic issue. It also consists of other products such as FF24 Trade, FF24 invest and OK.de. FF24 Rent platform is optimised for both desktop and mobile devices. This means that a customer can instantly request a loan on the go, whenever and wherever he needs it.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:FF24 has been successfully added to your 
