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Vakif Finansal Kiralama ASIST:VAKFN 81 Debt-to-EBITDA is 18.58 as of Jun. 2026, which is 66% below its 10-year median of 55.36. GuruFocus rates IST:VAKFN with a GF Score™ of 81/100 and a GF Value™ of ₺1.27 (Fairly Valued). The stock has 7 warning signs investors should review. Among 286 Credit Services companies, Vakif Finansal Kiralama AS ranks worse than 68.53% 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 Vakif Finansal Kiralama AS's Debt-to-EBITDA or its related term are showing as below:
IST:VAKFN'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 13.85 Med: 55.36 Max: 679.53
Current: 15.91
During the past 13 years, the highest Debt-to-EBITDA Ratio of Vakif Finansal Kiralama AS was 679.53. The lowest was 13.85. And the median was 55.36.
IST:VAKFN's Debt-to-EBITDA is ranked worse than 68.53% of 286
companies
in the Credit Services industry
Industry Median: 9.055
vs IST:VAKFN: 15.91
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.
Vakif Finansal Kiralama AS Debt-to-EBITDA Related Terms
Vakif Finansal Kiralama AS Debt-to-EBITDA Historical Data
* 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.
IST:VAKFN vs V, MA, AXP: Debt-to-EBITDA Comparison
For the Credit Services subindustry, Vakif Finansal Kiralama AS'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.
Vakif Finansal Kiralama AS Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Vakif Finansal Kiralama AS's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Vakif Finansal Kiralama AS'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 (Jun. 2026) EBITDA data.
Vakif Finansal Kiralama AS (IST:VAKFN) has a Debt-to-EBITDA of 18.58 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Vakif Finansal Kiralama AS. This is 66% below median its historical median of 55.36. Over the past decade, Vakif Finansal Kiralama AS's Debt-to-EBITDA has ranged from 13.85 to 679.53. According to the industry distribution chart, Vakif Finansal Kiralama AS ranks #196 out of 286 companies in the Credit Services industry, placing it in the top 68.5%.
Is Vakif Finansal Kiralama AS's Debt-to-EBITDA too high?
Vakif Finansal Kiralama AS's current Debt-to-EBITDA of 18.58 is 66% below median its 10-year median of 55.36. Over the past 10 years, this metric has ranged from a low of 13.85 to a high of 679.53. The Credit Services industry median Debt-to-EBITDA is 9.06. Vakif Finansal Kiralama AS's value of 18.58 is 105.2% above this industry median. Based on the distribution chart, Vakif Finansal Kiralama AS ranks #196 out of 286 companies in the Credit Services industry, which is below the industry midpoint. Overall, Vakif Finansal Kiralama AS has a GF Score™ of 81/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Vakif Finansal Kiralama AS's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Vakif Finansal Kiralama AS ranks #196 out of 286 companies for Debt-to-EBITDA. This places Vakif Finansal Kiralama AS in the lower half of its industry. The industry median Debt-to-EBITDA is 9.06. Vakif Finansal Kiralama AS's value of 18.58 is 105.2% above this benchmark. Historically, Vakif Finansal Kiralama AS's own Debt-to-EBITDA has ranged from 13.85 to 679.53 over the past decade. While the company's 10-year median is 55.36 vs. the industry median of 9.06, Vakif Finansal Kiralama AS 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 Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 9.06, based on 286 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. Vakif Finansal Kiralama AS's current Debt-to-EBITDA of 18.58 is 105.2% 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 Vakif Finansal Kiralama AS. For the Credit Services industry, the median Debt-to-EBITDA is 9.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Vakif Finansal Kiralama AS's current Debt-to-EBITDA is 18.58, which is 66% below median its own 10-year median of 55.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Vakif Finansal Kiralama AS stock overvalued right now?
Based on GuruFocus' analysis, Vakif Finansal Kiralama AS (IST:VAKFN) is currently considered Fairly Valued. The stock's GF Value™ is ₺1.27, compared to a current price of ₺1.19 — trading 6.3% below its estimated fair value. The current Debt-to-EBITDA is 18.58, which is 66% below median its 10-year median of 55.36 and 105.2% above the Credit Services industry median of 9.06. Vakif Finansal Kiralama AS's overall GF Score™ is 81/100 with 7 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 Vakif Finansal Kiralama AS (IST:VAKFN), the current Debt-to-EBITDA is 18.58 as of Jun. 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 Vakif Finansal Kiralama AS (IST:VAKFN) Overvalued in 2026?
Based on GuruFocus' analysis, Vakif Finansal Kiralama AS stock appears to be undervalued.
The current stock price of ₺1.19 is trading 6.3% below its estimated GF Value™ of ₺1.27.
GuruFocus considers Vakif Finansal Kiralama AS to be Fairly Valued.
Key valuation signals for IST:VAKFN:
Debt-to-EBITDA: 18.58 (66% below median its 10-year median of 55.36)
GF Value™: ₺1.27 vs. price of ₺1.19 (6.3% below fair value)
Industry Position: 105.2% above the Credit Services median (#196 of 286)
No single metric tells the full story. See the IST:VAKFN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Vakif Finansal Kiralama AS is a financial leasing company providing financial intermediation to SMEs and investors in the commercial, aircraft and aviation, wind energy, transportation, tourism, technology, and other industries. The company operates through branches in Istanbul (Anatolian and European sides), Ankara, Adana, Izmir, Bursa, Konya, and Antalya, and continues its comprehensive operations throughout Turkey with a wide customer portfolio and service network.
81GF Score
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