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SystemsKAR:SYS +0.02%97 Debt-to-EBITDA is 0.62 as of Jun. 2026, which is 38% above its 10-year median of 0.45. GuruFocus rates KAR:SYS with a GF Score™ of 97/100 and a GF Value™ of ₨160.41 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,721 Software companies, Systems ranks better than 58.98% 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 Systems's Debt-to-EBITDA or its related term are showing as below:
KAR:SYS'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.25 Med: 0.45 Max: 0.71
Current: 0.68
During the past 12 years, the highest Debt-to-EBITDA Ratio of Systems was 0.71. The lowest was 0.25. And the median was 0.45.
KAR:SYS's Debt-to-EBITDA is ranked better than 58.98% of 1721
companies
in the Software industry
Industry Median: 0.98
vs KAR:SYS: 0.68
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.
Systems Debt-to-EBITDA Related Terms
Systems Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Systems'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:SYS vs CRM, SHOP, UBER: Debt-to-EBITDA Comparison
For the Software - Application subindustry, Systems'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.
Systems Debt-to-EBITDA vs Software Industry
For the Software industry and Technology sector, Systems's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Systems'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 (Jun. 2026) EBITDA data.
Systems (KAR:SYS) has a Debt-to-EBITDA of 0.62 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Systems. This is 38% above median its historical median of 0.45. Over the past decade, Systems' Debt-to-EBITDA has ranged from 0.25 to 0.71. According to the industry distribution chart, Systems ranks #706 out of 1721 companies in the Software industry, placing it in the top 41%.
Is Systems' Debt-to-EBITDA too high?
Systems' current Debt-to-EBITDA of 0.62 is 38% above median its 10-year median of 0.45. Over the past 10 years, this metric has ranged from a low of 0.25 to a high of 0.71. The Software industry median Debt-to-EBITDA is 0.98. Systems' value of 0.62 is 36.7% below this industry median. Based on the distribution chart, Systems ranks #706 out of 1721 companies in the Software industry, which is above the industry midpoint. Overall, Systems has a GF Score™ of 97/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Systems' Debt-to-EBITDA compare to CRM and SHOP?
According to the Software industry distribution chart, Systems ranks #706 out of 1721 companies for Debt-to-EBITDA. This puts Systems in the upper half of its industry. The industry median Debt-to-EBITDA is 0.98. Systems' value of 0.62 is 36.7% below this benchmark. Historically, Systems' own Debt-to-EBITDA has ranged from 0.25 to 0.71 over the past decade. While the company's 10-year median is 0.45 vs. the industry median of 0.98, Systems 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 0.98, based on 1,721 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. Systems's current Debt-to-EBITDA of 0.62 is 36.7% 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 Systems. For the Software industry, the median Debt-to-EBITDA is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Systems's current Debt-to-EBITDA is 0.62, which is 38% above median its own 10-year median of 0.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Systems stock overvalued right now?
Based on GuruFocus' analysis, Systems (KAR:SYS) is currently considered Modestly Undervalued. The stock's GF Value™ is ₨160.41, compared to a current price of ₨126.98 — trading 20.8% below its estimated fair value. The current Debt-to-EBITDA is 0.62, which is 38% above median its 10-year median of 0.45 and 36.7% below the Software industry median of 0.98. Systems' overall GF Score™ is 97/100 with 3 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 Systems (KAR:SYS), the current Debt-to-EBITDA is 0.62 as of Jun. 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 Systems (KAR:SYS) Overvalued in 2026?
Based on GuruFocus' analysis, Systems stock appears to be undervalued.
The current stock price of ₨126.98 is trading 20.8% below its estimated GF Value™ of ₨160.41.
GuruFocus considers Systems to be Modestly Undervalued.
Key valuation signals for KAR:SYS:
Debt-to-EBITDA: 0.62 (38% above median its 10-year median of 0.45)
GF Value™: ₨160.41 vs. price of ₨126.98 (20.8% below fair value)
Industry Position: 36.7% below the Software median (#706 of 1721)
No single metric tells the full story. See the KAR:SYS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Systems Ltd is principally engaged in the business of software development, trading of software, hardware and business process outsourcing services. Its four primary segments are Banking Financial Services & Insurance includes activities related to banking, financial services, and insurance; Retail & CPG (Consumer Packaged Goods) covers retail operations and consumer goods; Telco (Telecommunications) involves telecommunications services and technologies; Technology includes technology-related solutions , products and services and; Others: It catch-all category may not include any remaining segments above of which majority of revenue comes from BFSI. It has presence in North America, Europe, Middle East & Africa, APAC, Pakistan of which majority of revenue comes from Middle East & Africa.
97GF Score
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Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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