Jahangir SiddiquiKAR:JSCL +5.35%73 Debt-to-EBITDA is 6.33 as of Mar. 2026, which is 51% below its 10-year median of 12.86. GuruFocus rates KAR:JSCL with a GF Score™ of 73/100 and a GF Value™ of ₨19.26 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 34 Banks companies, Jahangir Siddiqui ranks better than 67.65% 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 Jahangir Siddiqui's Debt-to-EBITDA or its related term are showing as below:
KAR:JSCL'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.85 Med: 12.86 Max: 84.86
Current: 3.65
During the past 13 years, the highest Debt-to-EBITDA Ratio of Jahangir Siddiqui was 84.86. The lowest was 1.85. And the median was 12.86.
KAR:JSCL's Debt-to-EBITDA is ranked better than 67.65% of 34
companies
in the Banks industry
Industry Median: 9.49
vs KAR:JSCL: 3.65
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.
Jahangir Siddiqui Debt-to-EBITDA Related Terms
Jahangir Siddiqui Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Jahangir Siddiqui'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 Banks - Regional subindustry, Jahangir Siddiqui'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.
Jahangir Siddiqui Debt-to-EBITDA vs Banks Industry
For the Banks industry and Financial Services sector, Jahangir Siddiqui's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Jahangir Siddiqui'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.
Jahangir Siddiqui (KAR:JSCL) has a Debt-to-EBITDA of 6.33 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 Jahangir Siddiqui. This is 51% below median its historical median of 12.86. Over the past decade, Jahangir Siddiqui's Debt-to-EBITDA has ranged from 1.85 to 84.86. According to the industry distribution chart, Jahangir Siddiqui ranks #11 out of 34 companies in the Banks industry, placing it in the top 32.4%.
Is Jahangir Siddiqui's Debt-to-EBITDA too high?
Jahangir Siddiqui's current Debt-to-EBITDA of 6.33 is 51% below median its 10-year median of 12.86. Over the past 10 years, this metric has ranged from a low of 1.85 to a high of 84.86. The Banks industry median Debt-to-EBITDA is 9.49. Jahangir Siddiqui's value of 6.33 is 33.3% below this industry median. Based on the distribution chart, Jahangir Siddiqui ranks #11 out of 34 companies in the Banks industry, which is above the industry midpoint. Overall, Jahangir Siddiqui has a GF Score™ of 73/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Jahangir Siddiqui's Debt-to-EBITDA compare to PNC and USB?
According to the Banks industry distribution chart, Jahangir Siddiqui ranks #11 out of 34 companies for Debt-to-EBITDA. This puts Jahangir Siddiqui in the upper half of its industry. The industry median Debt-to-EBITDA is 9.49. Jahangir Siddiqui's value of 6.33 is 33.3% below this benchmark. Historically, Jahangir Siddiqui's own Debt-to-EBITDA has ranged from 1.85 to 84.86 over the past decade. While the company's 10-year median is 12.86 vs. the industry median of 9.49, Jahangir Siddiqui 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 a Banks company?
The median Debt-to-EBITDA among Banks companies is 9.49, based on 34 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. Jahangir Siddiqui's current Debt-to-EBITDA of 6.33 is 33.3% 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 Jahangir Siddiqui. For the Banks industry, the median Debt-to-EBITDA is 9.49 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jahangir Siddiqui's current Debt-to-EBITDA is 6.33, which is 51% below median its own 10-year median of 12.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jahangir Siddiqui stock overvalued right now?
Based on GuruFocus' analysis, Jahangir Siddiqui (KAR:JSCL) is currently considered Significantly Overvalued. The stock's GF Value™ is ₨19.26, compared to a current price of ₨26.38 — trading 37% above its estimated fair value. The current Debt-to-EBITDA is 6.33, which is 51% below median its 10-year median of 12.86 and 33.3% below the Banks industry median of 9.49. Jahangir Siddiqui's overall GF Score™ is 73/100 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 Jahangir Siddiqui (KAR:JSCL), the current Debt-to-EBITDA is 6.33 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 Jahangir Siddiqui (KAR:JSCL) Overvalued in 2026?
Based on GuruFocus' analysis, Jahangir Siddiqui stock appears to be overvalued.
The current stock price of ₨26.38 is trading 37% above its estimated GF Value™ of ₨19.26.
GuruFocus considers Jahangir Siddiqui to be Significantly Overvalued.
Key valuation signals for KAR:JSCL:
Debt-to-EBITDA: 6.33 (51% below median its 10-year median of 12.86)
GF Value™: ₨19.26 vs. price of ₨26.38 (37% above fair value)
Industry Position: 33.3% below the Banks median (#11 of 34)
No single metric tells the full story. See the KAR:JSCL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Jahangir Siddiqui & Co Ltd offers banking services. The company operates through a various business segment that is Capital Market and Brokerage, which is engaged in trading equity securities, maintaining strategic and trading portfolios and earning share brokerage and money market, forex and commodity brokerage; Banking, which provides investment and commercial banking; Investment Advisor/assets manager, which provides investment advisory and asset management services to different mutual funds and unit trusts; Energy Infrastructure and petroleum segment engaged into investment in the oil marketing sector and storage of petroleum, Liquified Petroleum gas and allied products; and Others. The Banking segment generates maximum revenue for the company.
73GF Score
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