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Arif HabibKAR:AHCL -0.72%67 Debt-to-EBITDA is 0.30 as of Mar. 2026, which is 85% below its 10-year median of 1.94. GuruFocus rates KAR:AHCL with a GF Score™ of 67/100 and a GF Value™ of ₨6.70 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 340 Utilities - Independent Power Producers companies, Arif Habib ranks better than 93.24% 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 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.
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.
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.
* 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.
Arif Habib (KAR:AHCL) has a Debt-to-EBITDA of 0.30 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 Arif Habib. This is 85% below median its historical median of 1.94. Over the past decade, Arif Habib's Debt-to-EBITDA has ranged from 0.26 to 6.76. According to the industry distribution chart, Arif Habib ranks #23 out of 340 companies in the Utilities - Independent Power Producers industry, placing it in the top 6.8%.
Is Arif Habib's Debt-to-EBITDA too high?
Arif Habib's current Debt-to-EBITDA of 0.30 is 85% below median its 10-year median of 1.94. Over the past 10 years, this metric has ranged from a low of 0.26 to a high of 6.76. The Utilities - Independent Power Producers industry median Debt-to-EBITDA is 4.63. Arif Habib's value of 0.30 is 93.5% below this industry median. Based on the distribution chart, Arif Habib ranks #23 out of 340 companies in the Utilities - Independent Power Producers industry, which is in the top quartile — a strong position relative to peers. Overall, Arif Habib has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Arif Habib's Debt-to-EBITDA compare to competitors?
According to the Utilities - Independent Power Producers industry distribution chart, Arif Habib ranks #23 out of 340 companies for Debt-to-EBITDA. This places Arif Habib in the top 7% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 4.63. Arif Habib's value of 0.30 is 93.5% below this benchmark. Historically, Arif Habib's own Debt-to-EBITDA has ranged from 0.26 to 6.76 over the past decade. While the company's 10-year median is 1.94 vs. the industry median of 4.63, Arif Habib has consistently been below 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 an Utilities - Independent Power Producers company?
The median Debt-to-EBITDA among Utilities - Independent Power Producers companies is 4.63, based on 340 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. Arif Habib's current Debt-to-EBITDA of 0.30 is 93.5% below 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 Arif Habib. For the Utilities - Independent Power Producers industry, the median Debt-to-EBITDA is 4.63 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Arif Habib's current Debt-to-EBITDA is 0.30, which is 85% below median its own 10-year median of 1.94. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Arif Habib stock overvalued right now?
Based on GuruFocus' analysis, Arif Habib (KAR:AHCL) is currently considered Significantly Overvalued. The stock's GF Value™ is ₨6.70, compared to a current price of ₨15.19 — trading 126.7% above its estimated fair value. The current Debt-to-EBITDA is 0.30, which is 85% below median its 10-year median of 1.94 and 93.5% below the Utilities - Independent Power Producers industry median of 4.63. Arif Habib's overall GF Score™ is 67/100 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 Arif Habib (KAR:AHCL), the current Debt-to-EBITDA is 0.30 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 Arif Habib (KAR:AHCL) Overvalued in 2026?
Based on GuruFocus' analysis, Arif Habib stock appears to be overvalued.
The current stock price of ₨15.19 is trading 126.7% above its estimated GF Value™ of ₨6.70.
GuruFocus considers Arif Habib to be Significantly Overvalued.
Key valuation signals for KAR:AHCL:
Debt-to-EBITDA: 0.30 (85% below median its 10-year median of 1.94)
GF Value™: ₨6.70 vs. price of ₨15.19 (126.7% above fair value)
Industry Position: 93.5% below the Utilities - Independent Power Producers median (#23 of 340)
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 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.
67GF Score
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