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ExperianFRA:J2BA +4.94%90 Debt-to-EBITDA is 1.52 as of Mar. 2026, which is 25% below its 10-year median of 2.03. GuruFocus rates FRA:J2BA with a GF Score™ of 90/100 and a GF Value™ of €44.73. The stock has 1 warning sign investors should review. Among 833 Business Services companies, Experian ranks worse than 50.54% 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 Experian's Debt-to-EBITDA or its related term are showing as below:
FRA:J2BA'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.67 Med: 2.03 Max: 2.7
Current: 1.67
During the past 13 years, the highest Debt-to-EBITDA Ratio of Experian was 2.70. The lowest was 1.67. And the median was 2.03.
FRA:J2BA's Debt-to-EBITDA is ranked worse than 50.54% of 833
companies
in the Business Services industry
Industry Median: 1.64
vs FRA:J2BA: 1.67
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.
Experian Debt-to-EBITDA Related Terms
Experian Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Experian'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.
FRA:J2BA vs VRSK, EFX, BAH: Debt-to-EBITDA Comparison
For the Consulting Services subindustry, Experian'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.
Experian Debt-to-EBITDA vs Business Services Industry
For the Business Services industry and Industrials sector, Experian's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Experian'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 (Mar. 2026) EBITDA data.
Experian (FRA:J2BA) has a Debt-to-EBITDA of 1.52 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 Experian. This is 25% below median its historical median of 2.03. Over the past decade, Experian's Debt-to-EBITDA has ranged from 1.67 to 2.70. According to the industry distribution chart, Experian ranks #421 out of 833 companies in the Business Services industry, placing it in the top 50.5%.
Is Experian's Debt-to-EBITDA too high?
Experian's current Debt-to-EBITDA of 1.52 is 25% below median its 10-year median of 2.03. Over the past 10 years, this metric has ranged from a low of 1.67 to a high of 2.70. The Business Services industry median Debt-to-EBITDA is 1.64. Experian's value of 1.52 is 7.3% below this industry median. Based on the distribution chart, Experian ranks #421 out of 833 companies in the Business Services industry, which is below the industry midpoint. Overall, Experian has a GF Score™ of 90/100, reflecting its overall financial health beyond just this single metric.
How does Experian's Debt-to-EBITDA compare to VRSK and EFX?
According to the Business Services industry distribution chart, Experian ranks #421 out of 833 companies for Debt-to-EBITDA. This places Experian in the lower half of its industry. The industry median Debt-to-EBITDA is 1.64. Experian's value of 1.52 is 7.3% below this benchmark. Historically, Experian's own Debt-to-EBITDA has ranged from 1.67 to 2.70 over the past decade. While the company's 10-year median is 2.03 vs. the industry median of 1.64, Experian 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 Business Services company?
The median Debt-to-EBITDA among Business Services companies is 1.64, based on 833 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. Experian's current Debt-to-EBITDA of 1.52 is 7.3% 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 Experian. For the Business Services industry, the median Debt-to-EBITDA is 1.64 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Experian's current Debt-to-EBITDA is 1.52, which is 25% below median its own 10-year median of 2.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Experian stock overvalued right now?
Experian (FRA:J2BA) has a current Debt-to-EBITDA of 1.52. The stock's GF Value™ is €44.73, compared to a current price of €34.00 — trading 24% below its estimated fair value. The current Debt-to-EBITDA is 1.52, which is 25% below median its 10-year median of 2.03 and 7.3% below the Business Services industry median of 1.64. Experian's overall GF Score™ is 90/100 with 1 warning sign 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 Experian (FRA:J2BA), the current Debt-to-EBITDA is 1.52 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 Experian (FRA:J2BA) Overvalued in 2026?
Based on GuruFocus' analysis, Experian stock appears to be undervalued.
The current stock price of €34.00 is trading 24% below its estimated GF Value™ of €44.73.
Key valuation signals for FRA:J2BA:
Debt-to-EBITDA: 1.52 (25% below median its 10-year median of 2.03)
GF Value™: €44.73 vs. price of €34.00 (24% below fair value)
Industry Position: 7.3% below the Business Services median (#421 of 833)
No single metric tells the full story. See the FRA:J2BA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Experian is one of the leading credit bureaus in North America and the United Kingdom, providing the consumer information that is the basis for making lending decisions. The company also provides decision analytics, marketing data, and direct-to-consumer credit products and services. Roughly one quarter of the company's revenue is generated outside of North America and the United Kingdom, primarily in Latin America and Asia.
90GF Score
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