Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
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 Amar Finance and Leasing Co KSCC's Debt-to-EBITDA or its related term are showing as below:
KUW:AMAR'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.24 Med: 0.27 Max: 0.27
Current: 0.24
During the past 13 years, the highest Debt-to-EBITDA Ratio of Amar Finance and Leasing Co KSCC was 0.27. The lowest was 0.24. And the median was 0.27.
KUW:AMAR's Debt-to-EBITDA is ranked better than 92.51% of 1282
companies
in the Real Estate industry
Industry Median: 5.485
vs KUW:AMAR: 0.24
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.
Amar Finance and Leasing Co KSCC Debt-to-EBITDA Related Terms
Amar Finance and Leasing Co KSCC Debt-to-EBITDA Historical Data
* 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.
Amar Finance and Leasing Co KSCC Debt-to-EBITDA Chart
KUW:AMAR vs CBRE, BEKE, JLL: Debt-to-EBITDA Comparison
For the Real Estate Services subindustry, Amar Finance and Leasing Co KSCC'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.
Amar Finance and Leasing Co KSCC Debt-to-EBITDA vs Real Estate Industry
For the Real Estate industry and Real Estate sector, Amar Finance and Leasing Co KSCC's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Amar Finance and Leasing Co KSCC'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.
Amar Finance and Leasing Co KSCC (KUW:AMAR) has a Debt-to-EBITDA of 0.23 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 Amar Finance and Leasing Co KSCC. This is 15% below median its historical median of 0.27. Over the past decade, Amar Finance and Leasing Co KSCC's Debt-to-EBITDA has ranged from 0.24 to 0.27. According to the industry distribution chart, Amar Finance and Leasing Co KSCC ranks #96 out of 1282 companies in the Real Estate industry, placing it in the top 7.5%.
Is Amar Finance and Leasing Co KSCC's Debt-to-EBITDA too high?
Amar Finance and Leasing Co KSCC's current Debt-to-EBITDA of 0.23 is 15% below median its 10-year median of 0.27. Over the past 10 years, this metric has ranged from a low of 0.24 to a high of 0.27. The Real Estate industry median Debt-to-EBITDA is 5.49. Amar Finance and Leasing Co KSCC's value of 0.23 is 95.8% below this industry median. Based on the distribution chart, Amar Finance and Leasing Co KSCC ranks #96 out of 1282 companies in the Real Estate industry, which is in the top quartile — a strong position relative to peers. Overall, Amar Finance and Leasing Co KSCC has a GF Score™ of 39/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Amar Finance and Leasing Co KSCC's Debt-to-EBITDA compare to CBRE and BEKE?
According to the Real Estate industry distribution chart, Amar Finance and Leasing Co KSCC ranks #96 out of 1282 companies for Debt-to-EBITDA. This places Amar Finance and Leasing Co KSCC in the top 8% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 5.49. Amar Finance and Leasing Co KSCC's value of 0.23 is 95.8% below this benchmark. Historically, Amar Finance and Leasing Co KSCC's own Debt-to-EBITDA has ranged from 0.24 to 0.27 over the past decade. While the company's 10-year median is 0.27 vs. the industry median of 5.49, Amar Finance and Leasing Co KSCC 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 Real Estate company?
The median Debt-to-EBITDA among Real Estate companies is 5.49, based on 1,282 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. Amar Finance and Leasing Co KSCC's current Debt-to-EBITDA of 0.23 is 95.8% 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 Amar Finance and Leasing Co KSCC. For the Real Estate industry, the median Debt-to-EBITDA is 5.49 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Amar Finance and Leasing Co KSCC's current Debt-to-EBITDA is 0.23, which is 15% below median its own 10-year median of 0.27. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Amar Finance and Leasing Co KSCC stock overvalued right now?
Based on GuruFocus' analysis, Amar Finance and Leasing Co KSCC (KUW:AMAR) is currently considered Modestly Undervalued. The stock's GF Value™ is KWD0.13, compared to a current price of KWD0.11 — trading 18.5% below its estimated fair value. The current Debt-to-EBITDA is 0.23, which is 15% below median its 10-year median of 0.27 and 95.8% below the Real Estate industry median of 5.49. Amar Finance and Leasing Co KSCC's overall GF Score™ is 39/100 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 Amar Finance and Leasing Co KSCC (KUW:AMAR), the current Debt-to-EBITDA is 0.23 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 Amar Finance and Leasing Co KSCC (KUW:AMAR) Overvalued in 2026?
Based on GuruFocus' analysis, Amar Finance and Leasing Co KSCC stock appears to be undervalued.
The current stock price of KWD0.11 is trading 18.5% below its estimated GF Value™ of KWD0.13.
GuruFocus considers Amar Finance and Leasing Co KSCC to be Modestly Undervalued.
Key valuation signals for KUW:AMAR:
Debt-to-EBITDA: 0.23 (15% below median its 10-year median of 0.27)
GF Value™: KWD0.13 vs. price of KWD0.11 (18.5% below fair value)
Industry Position: 95.8% below the Real Estate median (#96 of 1282)
No single metric tells the full story. See the KUW:AMAR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Amar Finance and Leasing Co KSCC is a Kuwait-based financial institution that is engaged in the provision of commercial and residential real-estate market, offering financial solutions to real-estate companies, as well as to real-estate investors and home buyers. Its offerings include finance, investment, consulting services. The company's various services include structured finance, investment placement, real estate project finance, real estate investment services, Amar real estate fund and real estate advisory services, structured finance, investment placement, real estate project finance, real estate investment services, Amar real estate fund and real estate advisory services.
39GF Score
Get the complete analysis for KUW:AMAR
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
KUW:AMAR has been successfully added to your 
