Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Weaver FintechJSE:WVR 77 Debt-to-EBITDA is 5.70 as of Dec. 2025, which is 102% above its 10-year median of 2.82. GuruFocus rates JSE:WVR with a GF Score™ of 77/100 and a GF Value™ of R40.02 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 903 Retail - Cyclical companies, Weaver Fintech ranks worse than 75.42% 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 Weaver Fintech's Debt-to-EBITDA or its related term are showing as below:
JSE:WVR'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1 Med: 2.82 Max: 4.45
Current: 4.45
During the past 13 years, the highest Debt-to-EBITDA Ratio of Weaver Fintech was 4.45. The lowest was 1.00. And the median was 2.82.
JSE:WVR's Debt-to-EBITDA is ranked worse than 75.42% of 903
companies
in the Retail - Cyclical industry
Industry Median: 2.37
vs JSE:WVR: 4.45
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.
Weaver Fintech Debt-to-EBITDA Related Terms
Weaver Fintech Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Weaver Fintech'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.
JSE:WVR vs CASY, WSM, ULTA: Debt-to-EBITDA Comparison
For the Specialty Retail subindustry, Weaver Fintech'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.
Weaver Fintech Debt-to-EBITDA vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Weaver Fintech's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Weaver Fintech'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.
Weaver Fintech (JSE:WVR) has a Debt-to-EBITDA of 5.70 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 Weaver Fintech. This is 102% above median its historical median of 2.82. Over the past decade, Weaver Fintech's Debt-to-EBITDA has ranged from 1.00 to 4.45. According to the industry distribution chart, Weaver Fintech ranks #681 out of 903 companies in the Retail - Cyclical industry, placing it in the top 75.4%.
Is Weaver Fintech's Debt-to-EBITDA too high?
Weaver Fintech's current Debt-to-EBITDA of 5.70 is 102% above median its 10-year median of 2.82. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 4.45. The Retail - Cyclical industry median Debt-to-EBITDA is 2.37. Weaver Fintech's value of 5.70 is 140.5% above this industry median. Based on the distribution chart, Weaver Fintech ranks #681 out of 903 companies in the Retail - Cyclical industry, which is in the bottom quartile relative to peers. Overall, Weaver Fintech has a GF Score™ of 77/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Weaver Fintech's Debt-to-EBITDA compare to CASY and WSM?
According to the Retail - Cyclical industry distribution chart, Weaver Fintech ranks #681 out of 903 companies for Debt-to-EBITDA. This places Weaver Fintech in the lower half of its industry. The industry median Debt-to-EBITDA is 2.37. Weaver Fintech's value of 5.70 is 140.5% above this benchmark. Historically, Weaver Fintech's own Debt-to-EBITDA has ranged from 1.00 to 4.45 over the past decade. While the company's 10-year median is 2.82 vs. the industry median of 2.37, Weaver Fintech 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 903 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. Weaver Fintech's current Debt-to-EBITDA of 5.70 is 140.5% 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 Weaver Fintech. 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. Weaver Fintech's current Debt-to-EBITDA is 5.70, which is 102% above median its own 10-year median of 2.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Weaver Fintech stock overvalued right now?
Based on GuruFocus' analysis, Weaver Fintech (JSE:WVR) is currently considered Significantly Overvalued. The stock's GF Value™ is R40.02, compared to a current price of R53.00 — trading 32.4% above its estimated fair value. The current Debt-to-EBITDA is 5.70, which is 102% above median its 10-year median of 2.82 and 140.5% above the Retail - Cyclical industry median of 2.37. Weaver Fintech's overall GF Score™ is 77/100 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 Weaver Fintech (JSE:WVR), the current Debt-to-EBITDA is 5.70 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 Weaver Fintech (JSE:WVR) Overvalued in 2026?
Based on GuruFocus' analysis, Weaver Fintech stock appears to be overvalued.
The current stock price of R53.00 is trading 32.4% above its estimated GF Value™ of R40.02.
GuruFocus considers Weaver Fintech to be Significantly Overvalued.
Key valuation signals for JSE:WVR:
Debt-to-EBITDA: 5.70 (102% above median its 10-year median of 2.82)
GF Value™: R40.02 vs. price of R53.00 (32.4% above fair value)
Industry Position: 140.5% above the Retail - Cyclical median (#681 of 903)
No single metric tells the full story. See the JSE:WVR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Weaver Fintech Ltd is an investment holding company engaged in providing digital financial services and retail solutions. The operating business segments are Fintech, Retail, and Other. The Fintech segment offers digital payment services, lending solutions, and insurance products under the PayJustNow and FinChoice brands. The Retail segment is involved in the sale of homeware products through omni-channel operations under the HomeChoice brand. The Other segment includes group costs and related activities. It generates the majority of its revenue from the Fintech segment.
77GF Score
Get the complete analysis for JSE:WVR
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
JSE:WVR has been successfully added to your 
