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Net Protections HoldingsFRA:H50 -15.60%62 Debt-to-EBITDA is 1.93 as of Mar. 2026, which is 29% below its 10-year median of 2.70. GuruFocus rates FRA:H50 with a GF Score™ of 62/100 and a GF Value™ of €2.22 (Fairly Valued). The stock has 2 warning signs investors should review. Among 287 Credit Services companies, Net Protections Holdings ranks better than 83.97% 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 Net Protections Holdings's Debt-to-EBITDA or its related term are showing as below:
FRA:H50'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.33 Med: 2.7 Max: 20.9
Current: 1.33
During the past 7 years, the highest Debt-to-EBITDA Ratio of Net Protections Holdings was 20.90. The lowest was 1.33. And the median was 2.70.
FRA:H50's Debt-to-EBITDA is ranked better than 83.97% of 287
companies
in the Credit Services industry
Industry Median: 8.87
vs FRA:H50: 1.33
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.
Net Protections Holdings Debt-to-EBITDA Related Terms
Net Protections Holdings 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, Net Protections Holdings'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.
Net Protections Holdings Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Net Protections Holdings's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Net Protections Holdings'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.
Net Protections Holdings (FRA:H50) has a Debt-to-EBITDA of 1.93 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 Net Protections Holdings. This is 29% below median its historical median of 2.70. Over the past decade, Net Protections Holdings' Debt-to-EBITDA has ranged from 1.33 to 20.90. According to the industry distribution chart, Net Protections Holdings ranks #46 out of 287 companies in the Credit Services industry, placing it in the top 16%.
Is Net Protections Holdings' Debt-to-EBITDA too high?
Net Protections Holdings' current Debt-to-EBITDA of 1.93 is 29% below median its 10-year median of 2.70. Over the past 10 years, this metric has ranged from a low of 1.33 to a high of 20.90. The Credit Services industry median Debt-to-EBITDA is 8.87. Net Protections Holdings' value of 1.93 is 78.2% below this industry median. Based on the distribution chart, Net Protections Holdings ranks #46 out of 287 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Net Protections Holdings has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Net Protections Holdings' Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Net Protections Holdings ranks #46 out of 287 companies for Debt-to-EBITDA. This places Net Protections Holdings in the top 16% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 8.87. Net Protections Holdings' value of 1.93 is 78.2% below this benchmark. Historically, Net Protections Holdings' own Debt-to-EBITDA has ranged from 1.33 to 20.90 over the past decade. While the company's 10-year median is 2.70 vs. the industry median of 8.87, Net Protections Holdings 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 8.87, based on 287 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. Net Protections Holdings's current Debt-to-EBITDA of 1.93 is 78.2% 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 Net Protections Holdings. For the Credit Services industry, the median Debt-to-EBITDA is 8.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Net Protections Holdings's current Debt-to-EBITDA is 1.93, which is 29% below median its own 10-year median of 2.70. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Net Protections Holdings stock overvalued right now?
Based on GuruFocus' analysis, Net Protections Holdings (FRA:H50) is currently considered Fairly Valued. The stock's GF Value™ is €2.22, compared to a current price of €2.11 — trading 5% below its estimated fair value. The current Debt-to-EBITDA is 1.93, which is 29% below median its 10-year median of 2.70 and 78.2% below the Credit Services industry median of 8.87. Net Protections Holdings' overall GF Score™ is 62/100 with 2 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 Net Protections Holdings (FRA:H50), the current Debt-to-EBITDA is 1.93 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 Net Protections Holdings (FRA:H50) Overvalued in 2026?
Based on GuruFocus' analysis, Net Protections Holdings stock appears to be undervalued.
The current stock price of €2.11 is trading 5% below its estimated GF Value™ of €2.22.
GuruFocus considers Net Protections Holdings to be Fairly Valued.
Key valuation signals for FRA:H50:
Debt-to-EBITDA: 1.93 (29% below median its 10-year median of 2.70)
GF Value™: €2.22 vs. price of €2.11 (5% below fair value)
Industry Position: 78.2% below the Credit Services median (#46 of 287)
No single metric tells the full story. See the FRA:H50 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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