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Creditison Co (FRA:QC9) Debt-to-EBITDA : 18.27 (As of Sep. 2024)


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What is Creditison Co Debt-to-EBITDA?

Debt-to-EBITDA measures a company's ability to pay off its debt.

Creditison Co's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Sep. 2024 was €0 Mil. Creditison Co's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Sep. 2024 was €20,450 Mil. Creditison Co's annualized EBITDA for the quarter that ended in Sep. 2024 was €1,119 Mil. Creditison Co's annualized Debt-to-EBITDA for the quarter that ended in Sep. 2024 was 18.27.

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 Creditison Co's Debt-to-EBITDA or its related term are showing as below:

FRA:QC9' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 19.66   Med: 27.38   Max: 36.42
Current: 22.38

During the past 13 years, the highest Debt-to-EBITDA Ratio of Creditison Co was 36.42. The lowest was 19.66. And the median was 27.38.

FRA:QC9's Debt-to-EBITDA is ranked worse than
79.57% of 279 companies
in the Credit Services industry
Industry Median: 7.84 vs FRA:QC9: 22.38

Creditison Co Debt-to-EBITDA Historical Data

The historical data trend for Creditison Co'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.

* Premium members only.

Creditison Co Debt-to-EBITDA Chart

Creditison Co Annual Data
Trend Mar15 Mar16 Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24
Debt-to-EBITDA
Get a 7-Day Free Trial Premium Member Only Premium Member Only 36.42 26.86 28.26 26.10 19.66

Creditison Co Quarterly Data
Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24
Debt-to-EBITDA Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 14.60 19.64 25.61 - 18.27

Competitive Comparison of Creditison Co's Debt-to-EBITDA

For the Credit Services subindustry, Creditison Co'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.


Creditison Co's Debt-to-EBITDA Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, Creditison Co's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where Creditison Co's Debt-to-EBITDA falls into.



Creditison Co Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

Creditison Co's Debt-to-EBITDA for the fiscal year that ended in Mar. 2024 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(0 + 18774.028) / 954.993
=19.66

Creditison Co's annualized Debt-to-EBITDA for the quarter that ended in Sep. 2024 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(0 + 20449.745) / 1119.188
=18.27

* 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 (Sep. 2024) EBITDA data.


Creditison Co  (FRA:QC9) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.


Be Aware

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.


Creditison Co Debt-to-EBITDA Related Terms

Thank you for viewing the detailed overview of Creditison Co's Debt-to-EBITDA provided by GuruFocus.com. Please click on the following links to see related term pages.


Creditison Co Business Description

Traded in Other Exchanges
Address
1-1 Higashi-Ikebukuro 3-chome, 52nd Floor, Sunshine 60 Building, Toshima-ku, Tokyo, JPN, 170-6073
Credit Saison Co Ltd is a consumer finance company operating primarily in Japan. Saison operates in five reportable business segments: credit services, leasing, finance, real estate, and entertainment. Of these, credit services make up the vast majority of revenue. The company is one of Japan's leading card companies. The company issues Visa, MasterCard, American Express, and affinity cards carrying the Saison brand to a multitude of cardholders. Saison also provides insurance and asset management. The company is affiliated with the Mizuho Financial Group.

Creditison Co Headlines

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