NetSol TechnologiesKAR:NETSOL -1.67%77 Debt-to-EBITDA is 0.49 as of Mar. 2026, which is 48% below its 10-year median of 0.94. GuruFocus rates KAR:NETSOL with a GF Score™ of 77/100 and a GF Value™ of ₨177.40 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 1,702 Software companies, NetSol Technologies ranks better than 62.28% 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 NetSol Technologies's Debt-to-EBITDA or its related term are showing as below:
KAR:NETSOL'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.55 Med: 0.94 Max: 2.2
Current: 0.64
During the past 12 years, the highest Debt-to-EBITDA Ratio of NetSol Technologies was 2.20. The lowest was 0.55. And the median was 0.94.
KAR:NETSOL's Debt-to-EBITDA is ranked better than 62.28% of 1702
companies
in the Software industry
Industry Median: 1.1
vs KAR:NETSOL: 0.64
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.
NetSol Technologies Debt-to-EBITDA Related Terms
NetSol Technologies Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for NetSol Technologies'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.
KAR:NETSOL vs IBM, ACN, FISV: Debt-to-EBITDA Comparison
For the Information Technology Services subindustry, NetSol Technologies'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.
NetSol Technologies Debt-to-EBITDA vs Software Industry
For the Software industry and Technology sector, NetSol Technologies's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where NetSol Technologies'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.
NetSol Technologies (KAR:NETSOL) has a Debt-to-EBITDA of 0.49 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 NetSol Technologies. This is 48% below median its historical median of 0.94. Over the past decade, NetSol Technologies' Debt-to-EBITDA has ranged from 0.55 to 2.20. According to the industry distribution chart, NetSol Technologies ranks #642 out of 1702 companies in the Software industry, placing it in the top 37.7%.
Is NetSol Technologies' Debt-to-EBITDA too high?
NetSol Technologies' current Debt-to-EBITDA of 0.49 is 48% below median its 10-year median of 0.94. Over the past 10 years, this metric has ranged from a low of 0.55 to a high of 2.20. The Software industry median Debt-to-EBITDA is 1.10. NetSol Technologies' value of 0.49 is 55.5% below this industry median. Based on the distribution chart, NetSol Technologies ranks #642 out of 1702 companies in the Software industry, which is above the industry midpoint. Overall, NetSol Technologies has a GF Score™ of 77/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does NetSol Technologies' Debt-to-EBITDA compare to IBM and ACN?
According to the Software industry distribution chart, NetSol Technologies ranks #642 out of 1702 companies for Debt-to-EBITDA. This puts NetSol Technologies in the upper half of its industry. The industry median Debt-to-EBITDA is 1.10. NetSol Technologies' value of 0.49 is 55.5% below this benchmark. Historically, NetSol Technologies' own Debt-to-EBITDA has ranged from 0.55 to 2.20 over the past decade. While the company's 10-year median is 0.94 vs. the industry median of 1.10, NetSol Technologies 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 Software company?
The median Debt-to-EBITDA among Software companies is 1.10, based on 1,702 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. NetSol Technologies's current Debt-to-EBITDA of 0.49 is 55.5% 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 NetSol Technologies. For the Software industry, the median Debt-to-EBITDA is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NetSol Technologies's current Debt-to-EBITDA is 0.49, which is 48% below median its own 10-year median of 0.94. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NetSol Technologies stock overvalued right now?
Based on GuruFocus' analysis, NetSol Technologies (KAR:NETSOL) is currently considered Modestly Undervalued. The stock's GF Value™ is ₨177.40, compared to a current price of ₨132.23 — trading 25.5% below its estimated fair value. The current Debt-to-EBITDA is 0.49, which is 48% below median its 10-year median of 0.94 and 55.5% below the Software industry median of 1.10. NetSol Technologies' overall GF Score™ is 77/100 with 1 warning sign 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 NetSol Technologies (KAR:NETSOL), the current Debt-to-EBITDA is 0.49 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 NetSol Technologies (KAR:NETSOL) Overvalued in 2026?
Based on GuruFocus' analysis, NetSol Technologies stock appears to be undervalued.
The current stock price of ₨132.23 is trading 25.5% below its estimated GF Value™ of ₨177.40.
GuruFocus considers NetSol Technologies to be Modestly Undervalued.
Key valuation signals for KAR:NETSOL:
Debt-to-EBITDA: 0.49 (48% below median its 10-year median of 0.94)
GF Value™: ₨177.40 vs. price of ₨132.23 (25.5% below fair value)
Industry Position: 55.5% below the Software median (#642 of 1702)
No single metric tells the full story. See the KAR:NETSOL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NetSol Technologies Ltd provides Information Technology services & enterprise solutions. It provides solutions for leasing and finance, healthcare technology, insurance, and e-Procurement. Its products include Enterprise Solutions, Business Intelligence, IT Consulting & Business Process Reengineering, Technology & Business Process Outsourcing, Application Development & Maintenance, Cloud Services. Its operating segments are product-based solutions and ancillary services, professional services, and business process outsourcing. Geographically, it operates in Pakistan, Asia Pacific, Australia & the USA, the UK, and other countries.
77GF Score
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