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Pick N Pay StoresFRA:PIK -0.98%63 Debt-to-EBITDA is 2.91 as of Feb. 2026, which is 13% below its 10-year median of 3.36. GuruFocus rates FRA:PIK with a GF Score™ of 63/100 and a GF Value™ of €1.23 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 896 Retail - Cyclical companies, Pick N Pay Stores ranks worse than 63.28% 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 Pick N Pay Stores's Debt-to-EBITDA or its related term are showing as below:
FRA:PIK'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.16 Med: 3.36 Max: 14.15
Current: 3.31
During the past 13 years, the highest Debt-to-EBITDA Ratio of Pick N Pay Stores was 14.15. The lowest was 1.16. And the median was 3.36.
FRA:PIK's Debt-to-EBITDA is ranked worse than 63.28% of 896
companies
in the Retail - Cyclical industry
Industry Median: 2.405
vs FRA:PIK: 3.31
Pick N Pay Stores (FRA:PIK) Debt-to-EBITDA Explanation
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.
Pick N Pay Stores Debt-to-EBITDA Related Terms
Pick N Pay Stores Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Pick N Pay Stores'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 Department Stores subindustry, Pick N Pay Stores'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.
Pick N Pay Stores Debt-to-EBITDA vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Pick N Pay Stores's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Pick N Pay Stores'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 (Feb. 2026) EBITDA data.
Pick N Pay Stores (FRA:PIK) has a Debt-to-EBITDA of 2.91 as of Feb. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Pick N Pay Stores. This is 13% below median its historical median of 3.36. Over the past decade, Pick N Pay Stores' Debt-to-EBITDA has ranged from 1.16 to 14.15. According to the industry distribution chart, Pick N Pay Stores ranks #567 out of 896 companies in the Retail - Cyclical industry, placing it in the top 63.3%.
Is Pick N Pay Stores' Debt-to-EBITDA too high?
Pick N Pay Stores' current Debt-to-EBITDA of 2.91 is 13% below median its 10-year median of 3.36. Over the past 10 years, this metric has ranged from a low of 1.16 to a high of 14.15. The Retail - Cyclical industry median Debt-to-EBITDA is 2.41. Pick N Pay Stores' value of 2.91 is 21% above this industry median. Based on the distribution chart, Pick N Pay Stores ranks #567 out of 896 companies in the Retail - Cyclical industry, which is below the industry midpoint. Overall, Pick N Pay Stores has a GF Score™ of 63/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Pick N Pay Stores' Debt-to-EBITDA compare to DDS and M?
According to the Retail - Cyclical industry distribution chart, Pick N Pay Stores ranks #567 out of 896 companies for Debt-to-EBITDA. This places Pick N Pay Stores in the lower half of its industry. The industry median Debt-to-EBITDA is 2.41. Pick N Pay Stores' value of 2.91 is 21% above this benchmark. Historically, Pick N Pay Stores' own Debt-to-EBITDA has ranged from 1.16 to 14.15 over the past decade. While the company's 10-year median is 3.36 vs. the industry median of 2.41, Pick N Pay Stores has consistently been above 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 Retail - Cyclical company?
The median Debt-to-EBITDA among Retail - Cyclical companies is 2.41, based on 896 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. Pick N Pay Stores's current Debt-to-EBITDA of 2.91 is 21% above 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 Pick N Pay Stores. For the Retail - Cyclical industry, the median Debt-to-EBITDA is 2.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pick N Pay Stores's current Debt-to-EBITDA is 2.91, which is 13% below median its own 10-year median of 3.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pick N Pay Stores stock overvalued right now?
Based on GuruFocus' analysis, Pick N Pay Stores (FRA:PIK) is currently considered Modestly Undervalued. The stock's GF Value™ is €1.23, compared to a current price of €1.01 — trading 17.9% below its estimated fair value. The current Debt-to-EBITDA is 2.91, which is 13% below median its 10-year median of 3.36 and 21% above the Retail - Cyclical industry median of 2.41. Pick N Pay Stores' overall GF Score™ is 63/100 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 Pick N Pay Stores (FRA:PIK), the current Debt-to-EBITDA is 2.91 as of Feb. 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 Pick N Pay Stores (FRA:PIK) Overvalued in 2026?
Based on GuruFocus' analysis, Pick N Pay Stores stock appears to be undervalued.
The current stock price of €1.01 is trading 17.9% below its estimated GF Value™ of €1.23.
GuruFocus considers Pick N Pay Stores to be Modestly Undervalued.
Key valuation signals for FRA:PIK:
Debt-to-EBITDA: 2.91 (13% below median its 10-year median of 3.36)
GF Value™: €1.23 vs. price of €1.01 (17.9% below fair value)
Industry Position: 21% above the Retail - Cyclical median (#567 of 896)
No single metric tells the full story. See the FRA:PIK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Pick N Pay Stores Ltd is a South African multiformat and multichannel retailer. The company operates in South Africa, Namibia, Botswana, Zambia, Mauritius, Swaziland, and Lesotho. The company offers food and groceries, clothing, general merchandise, and services across multiple store formats, both franchised and owned. The customer base is mainly represented by middle-income South African consumer. The portfolio of stores is composed of supermarkets, hypermarkets, local shops, express shops, clothing shops, liquor stores, and others.
63GF Score
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