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FiinuFRA:LWW +23.08% Debt-to-EBITDA is -0.11 as of Dec. 2025. The stock has 5 warning signs investors should review. Among 285 Credit Services companies, Fiinu ranks worse than 350876.84% 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 Fiinu's Debt-to-EBITDA or its related term are showing as below:
FRA:LWW'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -1.26 Med: -0.2 Max: -0.01
Current: -0.2
During the past 7 years, the highest Debt-to-EBITDA Ratio of Fiinu was -0.01. The lowest was -1.26. And the median was -0.20.
FRA:LWW's Debt-to-EBITDA is ranked worse than 100% of 285
companies
in the Credit Services industry
Industry Median: 9
vs FRA:LWW: -0.20
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.
Fiinu Debt-to-EBITDA Related Terms
Fiinu Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Fiinu'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, Fiinu'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.
Fiinu Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Fiinu's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Fiinu'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.
Fiinu (FRA:LWW) has a Debt-to-EBITDA of -0.11 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 Fiinu. According to the industry distribution chart, Fiinu ranks #999999 out of 285 companies in the Credit Services industry.
Is Fiinu's Debt-to-EBITDA too high?
Fiinu's current Debt-to-EBITDA is -0.11. Based on the distribution chart, Fiinu ranks #999999 out of 285 companies in the Credit Services industry, which is in the bottom quartile relative to peers.
How does Fiinu's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Fiinu ranks #999999 out of 285 companies for Debt-to-EBITDA. This places Fiinu in the lower half of its industry. The industry median Debt-to-EBITDA is 9.00. 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 9.00, based on 285 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. 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 Fiinu. For the Credit Services industry, the median Debt-to-EBITDA is 9.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fiinu's current Debt-to-EBITDA is -0.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fiinu stock overvalued right now?
Fiinu (FRA:LWW) has a current Debt-to-EBITDA of -0.11. The current Debt-to-EBITDA is -0.11. 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 Fiinu (FRA:LWW), the current Debt-to-EBITDA is -0.11 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.
Fiinu PLC is a digital banking platform intended to unbundle overdraft solutions without needing to switch banks. The company offers led interest income, deposit margin banking infrastructure provider and helps to manage budget or those short-term unexpected costs, in a simple and responsible way, thereby assisting individuals with short-term unexpected expenses while maintaining financial prudence to reshape banking into a hassle-free, transparent, and efficient journey.
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