InRetail PeruINREF +8.56%73 Debt-to-EBITDA is 3.47 as of Mar. 2026, which is 5% below its 10-year median of 3.67. GuruFocus rates INREF with a GF Score™ of 73/100 and a GF Value™ of $24.44. The stock has 10 warning signs investors should review. Among 898 Retail - Cyclical companies, InRetail Peru ranks worse than 69.49% 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 InRetail Peru's Debt-to-EBITDA or its related term are showing as below:
INREF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 2.98 Med: 3.67 Max: 5.51
Current: 3.8
During the past 13 years, the highest Debt-to-EBITDA Ratio of InRetail Peru was 5.51. The lowest was 2.98. And the median was 3.67.
INREF's Debt-to-EBITDA is ranked worse than 69.49% of 898
companies
in the Retail - Cyclical industry
Industry Median: 2.365
vs INREF: 3.80
InRetail Peru (OTCPK:INREF) 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.
InRetail Peru Debt-to-EBITDA Related Terms
InRetail Peru Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for InRetail Peru'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, InRetail Peru'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.
InRetail Peru Debt-to-EBITDA vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, InRetail Peru's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where InRetail Peru'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 (Mar. 2026) EBITDA data.
InRetail Peru (INREF) has a Debt-to-EBITDA of 3.47 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on InRetail Peru. This is near median its historical median of 3.67. Over the past decade, InRetail Peru's Debt-to-EBITDA has ranged from 2.98 to 5.51. According to the industry distribution chart, InRetail Peru ranks #624 out of 898 companies in the Retail - Cyclical industry, placing it in the top 69.5%.
Is InRetail Peru's Debt-to-EBITDA too high?
InRetail Peru's current Debt-to-EBITDA of 3.47 is near median its 10-year median of 3.67. Over the past 10 years, this metric has ranged from a low of 2.98 to a high of 5.51. The Retail - Cyclical industry median Debt-to-EBITDA is 2.37. InRetail Peru's value of 3.47 is 46.7% above this industry median. Based on the distribution chart, InRetail Peru ranks #624 out of 898 companies in the Retail - Cyclical industry, which is below the industry midpoint. Overall, InRetail Peru has a GF Score™ of 73/100, reflecting its overall financial health beyond just this single metric.
How does InRetail Peru's Debt-to-EBITDA compare to DDS and M?
According to the Retail - Cyclical industry distribution chart, InRetail Peru ranks #624 out of 898 companies for Debt-to-EBITDA. This places InRetail Peru in the lower half of its industry. The industry median Debt-to-EBITDA is 2.37. InRetail Peru's value of 3.47 is 46.7% above this benchmark. Historically, InRetail Peru's own Debt-to-EBITDA has ranged from 2.98 to 5.51 over the past decade. While the company's 10-year median is 3.67 vs. the industry median of 2.37, InRetail Peru 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 2.37, based on 898 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. InRetail Peru's current Debt-to-EBITDA of 3.47 is 46.7% 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 InRetail Peru. For the Retail - Cyclical industry, the median Debt-to-EBITDA is 2.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. InRetail Peru's current Debt-to-EBITDA is 3.47, which is near median its own 10-year median of 3.67. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is InRetail Peru stock overvalued right now?
InRetail Peru (INREF) has a current Debt-to-EBITDA of 3.47. The stock's GF Value™ is $24.44, compared to a current price of $26.84 — trading 9.8% above its estimated fair value. The current Debt-to-EBITDA is 3.47, which is near median its 10-year median of 3.67 and 46.7% above the Retail - Cyclical industry median of 2.37. InRetail Peru's overall GF Score™ is 73/100 with 10 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 InRetail Peru (INREF), the current Debt-to-EBITDA is 3.47 as of Mar. 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 InRetail Peru (INREF) Overvalued in 2026?
Based on GuruFocus' analysis, InRetail Peru stock appears to be overvalued.
The current stock price of $26.84 is trading 9.8% above its estimated GF Value™ of $24.44.
Key valuation signals for INREF:
Debt-to-EBITDA: 3.47 (near median its 10-year median of 3.67)
GF Value™: $24.44 vs. price of $26.84 (9.8% above fair value)
Industry Position: 46.7% above the Retail - Cyclical median (#624 of 898)
No single metric tells the full story. See the INREF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
InRetail Peru Corp operates supermarkets, hypermarkets, pharmacies and shopping centers, as well as real estate development and digital services. Its operations are concentrated in Peru; however, it maintains operations in the exterior mainly related to the commercialization of pharmaceuticals and consumer products. The company's reportable segments include: i) Food Retail, ii) Pharmacies, iii) Shopping Malls and iv) Digital. It generates the majority of its revenue from the Food Retail segment. Geographically, it derives a majority of its revenue from Peru and also has a presence in Ecuador and Other countries. The company brands include Plaza Vea, Plaza Vea Super, Plaza Vea Express, Vivanda, Mass, and Makro brands.
73GF Score
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Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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