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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 Swvl Holdings's Debt-to-EBITDA or its related term are showing as below:
FRA:J9F'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -0.61 Med: -0.03 Max: 0.92
Current: 0.92
During the past 8 years, the highest Debt-to-EBITDA Ratio of Swvl Holdings was 0.92. The lowest was -0.61. And the median was -0.03.
FRA:J9F's Debt-to-EBITDA is ranked better than 80.66% of 874
companies
in the Transportation industry
Industry Median: 2.595
vs FRA:J9F: 0.92
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.
Swvl Holdings Debt-to-EBITDA Related Terms
Swvl Holdings Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Swvl Holdings'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 Railroads subindustry, Swvl 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.
Swvl Holdings Debt-to-EBITDA vs Transportation Industry
For the Transportation industry and Industrials sector, Swvl Holdings's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Swvl 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 (Dec. 2025) EBITDA data.
Swvl Holdings (FRA:J9F) has a Debt-to-EBITDA of 0.32 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 Swvl Holdings. According to the industry distribution chart, Swvl Holdings ranks #169 out of 874 companies in the Transportation industry, placing it in the top 19.3%.
Is Swvl Holdings' Debt-to-EBITDA too high?
Swvl Holdings' current Debt-to-EBITDA is 0.32. The Transportation industry median Debt-to-EBITDA is 2.60. Swvl Holdings' value of 0.32 is 87.7% below this industry median. Based on the distribution chart, Swvl Holdings ranks #169 out of 874 companies in the Transportation industry, which is in the top quartile — a strong position relative to peers. Overall, Swvl Holdings has a GF Score™ of 31/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Swvl Holdings' Debt-to-EBITDA compare to ?
According to the Transportation industry distribution chart, Swvl Holdings ranks #169 out of 874 companies for Debt-to-EBITDA. This places Swvl Holdings in the top 19% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 2.60. Swvl Holdings' value of 0.32 is 87.7% below this benchmark. 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 Transportation company?
The median Debt-to-EBITDA among Transportation companies is 2.60, based on 874 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. Swvl Holdings's current Debt-to-EBITDA of 0.32 is 87.7% 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 Swvl Holdings. For the Transportation industry, the median Debt-to-EBITDA is 2.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Swvl Holdings's current Debt-to-EBITDA is 0.32. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Swvl Holdings stock overvalued right now?
Based on GuruFocus' analysis, Swvl Holdings (FRA:J9F) is currently considered Significantly Overvalued. The stock's GF Value™ is €2.63, compared to a current price of €5.36 — trading 103.8% above its estimated fair value. The current Debt-to-EBITDA is 0.32 and 87.7% below the Transportation industry median of 2.60. Swvl Holdings' overall GF Score™ is 31/100 with 5 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 Swvl Holdings (FRA:J9F), the current Debt-to-EBITDA is 0.32 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 Swvl Holdings (FRA:J9F) Overvalued in 2026?
Based on GuruFocus' analysis, Swvl Holdings stock appears to be overvalued.
The current stock price of €5.36 is trading 103.8% above its estimated GF Value™ of €2.63.
GuruFocus considers Swvl Holdings to be Significantly Overvalued.
Key valuation signals for FRA:J9F:
Debt-to-EBITDA: 0.32
GF Value™: €2.63 vs. price of €5.36 (103.8% above fair value)
Industry Position: 87.7% below the Transportation median (#169 of 874)
No single metric tells the full story. See the FRA:J9F stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Swvl Holdings Corp is a technology-driven mobility company providing mass transit solutions. It currently has two offerings: business-to-consumer (B2C) and B2B (marketed as Swvl Business). The company's B2C business utilizes its platform to provide riders with a network of minibuses and other vehicles that operate on fixed and semi-fixed routes throughout and between different cities. Riders can book available seats on vehicles to commute within a city. The Swvl Business caters to corporate customers (as well as schools and municipalities), providing them with transportation solutions for their employees and students. This business also offers transportation management software to clients who operate their own fleet. Geographically, the company generates maximum revenue from Egypt.
31GF Score
Get the complete analysis for FRA:J9F
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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