Arif Habib (KAR:AHCL) Debt-to-EBITDA : (As of Mar. 2026)

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KAR:AHCL Arif Habib Corp Ltd KAR:AHCL
51 GF Score
Price ₨15.10
GF Value ₨6.88
Valuation Significantly Overvalued
! 4 Warning Signs
View Full Analysis

What is Arif Habib Debt-to-EBITDA?

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

Arif Habib's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2026 was ₨3,309 Mil. Arif Habib's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2026 was ₨1,405 Mil. Arif Habib's annualized EBITDA for the quarter that ended in Mar. 2026 was ₨9,065 Mil. Arif Habib's annualized Debt-to-EBITDA for the quarter that ended in Mar. 2026 was 0.52.

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 Arif Habib's Debt-to-EBITDA or its related term are showing as below:

KAR:AHCL' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.26   Med: 1.94   Max: 6.76
Current: 0.26

During the past 13 years, the highest Debt-to-EBITDA Ratio of Arif Habib was 6.76. The lowest was 0.26. And the median was 1.94.

KAR:AHCL's Debt-to-EBITDA is ranked better than
93.02% of 344 companies
in the Utilities - Independent Power Producers industry
Industry Median: 5.005 vs KAR:AHCL: 0.26

Arif Habib  (KAR:AHCL) 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.

Arif Habib Debt-to-EBITDA Related Terms

Arif Habib Debt-to-EBITDA Historical Data

* Premium members only.

The historical data trend for Arif Habib'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.

Arif Habib Debt-to-EBITDA Chart

Arif Habib Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Debt-to-EBITDA
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Arif Habib Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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Arif Habib Debt-to-EBITDA Competitor Comparison

For the Utilities - Renewable subindustry, Arif Habib'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.

Arif Habib Debt-to-EBITDA vs Utilities - Independent Power Producers Industry

For the Utilities - Independent Power Producers industry and Utilities sector, Arif Habib's Debt-to-EBITDA distribution charts can be found below:

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


KAR:AHCL
51GF Score
Arif Habib Corp Ltd KAR:AHCL
Debt-to-EBITDA is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Arif Habib Debt-to-EBITDA Calculation

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

Arif Habib's Debt-to-EBITDA for the fiscal year that ended in Jun. 2025 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(4301.684552 + 6668.238156) / 9859.970282
=1.11

Arif Habib's annualized Debt-to-EBITDA for the quarter that ended in Mar. 2026 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(3309.403276 + 1405.112383) / 9065.022176
=0.52

* 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.

Is Arif Habib (KAR:AHCL) Overvalued in 2026?

Based on GuruFocus' analysis, Arif Habib stock appears to be overvalued. The current stock price of ₨15.10 is trading 119.5% above its estimated GF Value™ of ₨6.88. GuruFocus considers Arif Habib to be Significantly Overvalued.

Key valuation signals for KAR:AHCL:

  • Debt-to-EBITDA:
  • GF Value™: ₨6.88 vs. price of ₨15.10 (119.5% above fair value)
  • GF Score™: 51/100 with 4 warning signs

No single metric tells the full story. See the KAR:AHCL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Arif Habib Business Description

Address 23 M.T. Khan Road, Arif Habib Centre, 2nd Floor, Karachi, SD, PAK, 74000
Arif Habib Corp Ltd generates and sells electricity in Pakistan. It is also engaged in providing equity and debt brokerage, as well as corporate finance services to institutional, corporate, high-net-worth, and retail clients. Its segments are Capital market operations; Brokerage; Energy Development, and Others. The firm generates the majority of revenue from the Energy segment. The Energy segment is engaged in energy development. The brokerage segment is engaged in brokerage, underwriting, corporate consultancy, research, and corporate finance services. Capital market operations segment is engaged in trading of equity securities and maintaining strategic and trading portfolios. Others include assets of RCPL.
51GF Score

Get the complete analysis for KAR:AHCL

Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₨15.10
Price
₨6.88
GF Value