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Woolworths HoldingsFRA:WN3 -1.55%75 Debt-to-EBITDA is 3.51 as of Dec. 2025, which is 37% above its 10-year median of 2.56. GuruFocus rates FRA:WN3 with a GF Score™ of 75/100 and a GF Value™ of €3.73. The stock has 4 warning signs investors should review. Among 899 Retail - Cyclical companies, Woolworths Holdings ranks worse than 76.42% 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 Woolworths Holdings's Debt-to-EBITDA or its related term are showing as below:
FRA:WN3'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.56 Med: 2.56 Max: 22.43
Current: 4.88
During the past 13 years, the highest Debt-to-EBITDA Ratio of Woolworths Holdings was 22.43. The lowest was 1.56. And the median was 2.56.
FRA:WN3's Debt-to-EBITDA is ranked worse than 76.42% of 899
companies
in the Retail - Cyclical industry
Industry Median: 2.4
vs FRA:WN3: 4.88
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.
Woolworths Holdings Debt-to-EBITDA Related Terms
Woolworths Holdings Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Woolworths 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 Department Stores subindustry, Woolworths 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.
Woolworths Holdings Debt-to-EBITDA vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Woolworths Holdings's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Woolworths 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 two times the quarterly (Dec. 2025) EBITDA data.
Woolworths Holdings (FRA:WN3) has a Debt-to-EBITDA of 3.51 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 Woolworths Holdings. This is 37% above median its historical median of 2.56. Over the past decade, Woolworths Holdings' Debt-to-EBITDA has ranged from 1.56 to 22.43. According to the industry distribution chart, Woolworths Holdings ranks #687 out of 899 companies in the Retail - Cyclical industry, placing it in the top 76.4%.
Is Woolworths Holdings' Debt-to-EBITDA too high?
Woolworths Holdings' current Debt-to-EBITDA of 3.51 is 37% above median its 10-year median of 2.56. Over the past 10 years, this metric has ranged from a low of 1.56 to a high of 22.43. The Retail - Cyclical industry median Debt-to-EBITDA is 2.40. Woolworths Holdings' value of 3.51 is 46.3% above this industry median. Based on the distribution chart, Woolworths Holdings ranks #687 out of 899 companies in the Retail - Cyclical industry, which is in the bottom quartile relative to peers. Overall, Woolworths Holdings has a GF Score™ of 75/100, reflecting its overall financial health beyond just this single metric.
How does Woolworths Holdings' Debt-to-EBITDA compare to DDS and M?
According to the Retail - Cyclical industry distribution chart, Woolworths Holdings ranks #687 out of 899 companies for Debt-to-EBITDA. This places Woolworths Holdings in the lower half of its industry. The industry median Debt-to-EBITDA is 2.40. Woolworths Holdings' value of 3.51 is 46.3% above this benchmark. Historically, Woolworths Holdings' own Debt-to-EBITDA has ranged from 1.56 to 22.43 over the past decade. While the company's 10-year median is 2.56 vs. the industry median of 2.40, Woolworths Holdings 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 2.40, based on 899 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. Woolworths Holdings's current Debt-to-EBITDA of 3.51 is 46.3% 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 Woolworths Holdings. For the Retail - Cyclical industry, the median Debt-to-EBITDA is 2.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Woolworths Holdings's current Debt-to-EBITDA is 3.51, which is 37% above median its own 10-year median of 2.56. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Woolworths Holdings stock overvalued right now?
Woolworths Holdings (FRA:WN3) has a current Debt-to-EBITDA of 3.51. The stock's GF Value™ is €3.73, compared to a current price of €2.54 — trading 31.9% below its estimated fair value. The current Debt-to-EBITDA is 3.51, which is 37% above median its 10-year median of 2.56 and 46.3% above the Retail - Cyclical industry median of 2.40. Woolworths Holdings' overall GF Score™ is 75/100 with 4 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 Woolworths Holdings (FRA:WN3), the current Debt-to-EBITDA is 3.51 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 Woolworths Holdings (FRA:WN3) Overvalued in 2026?
Based on GuruFocus' analysis, Woolworths Holdings stock appears to be undervalued.
The current stock price of €2.54 is trading 31.9% below its estimated GF Value™ of €3.73.
Key valuation signals for FRA:WN3:
Debt-to-EBITDA: 3.51 (37% above median its 10-year median of 2.56)
GF Value™: €3.73 vs. price of €2.54 (31.9% below fair value)
Industry Position: 46.3% above the Retail - Cyclical median (#687 of 899)
No single metric tells the full story. See the FRA:WN3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Woolworths Holdings Ltd is a southern hemisphere retail Group. Its current operations are conducted through its two operating subsidiaries. The segments involve: Fashion, Beauty and Home; Food; Logistics; Woolworths Financial Services; Country Road Group; and Treasury. It derives maximum revenue from Food Segment. Geographically, It operates iun South Africa, Australia and New Zealand and Rest of Africa.
75GF Score
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