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LifeLIFCF 89 Debt-to-EBITDA is 0.35 as of Feb. 2026, which is 83% below its 10-year median of 2.04. GuruFocus rates LIFCF with a GF Score™ of 89/100 and a GF Value™ of $10.13. The stock has 2 warning signs investors should review. Among 256 Retail - Defensive companies, Life ranks better than 78.52% 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 Life's Debt-to-EBITDA or its related term are showing as below:
LIFCF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.67 Med: 2.04 Max: 3.74
Current: 0.67
During the past 13 years, the highest Debt-to-EBITDA Ratio of Life was 3.74. The lowest was 0.67. And the median was 2.04.
LIFCF's Debt-to-EBITDA is ranked better than 78.52% of 256
companies
in the Retail - Defensive industry
Industry Median: 2.215
vs LIFCF: 0.67
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.
Life Debt-to-EBITDA Related Terms
Life Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Life'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 Grocery Stores subindustry, Life'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.
Life Debt-to-EBITDA vs Retail - Defensive Industry
For the Retail - Defensive industry and Consumer Defensive sector, Life's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Life'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 (Feb. 2026) EBITDA data.
Life (LIFCF) has a Debt-to-EBITDA of 0.35 as of Feb. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Life. This is 83% below median its historical median of 2.04. Over the past decade, Life's Debt-to-EBITDA has ranged from 0.67 to 3.74. According to the industry distribution chart, Life ranks #55 out of 256 companies in the Retail - Defensive industry, placing it in the top 21.5%.
Is Life's Debt-to-EBITDA too high?
Life's current Debt-to-EBITDA of 0.35 is 83% below median its 10-year median of 2.04. Over the past 10 years, this metric has ranged from a low of 0.67 to a high of 3.74. The Retail - Defensive industry median Debt-to-EBITDA is 2.22. Life's value of 0.35 is 84.2% below this industry median. Based on the distribution chart, Life ranks #55 out of 256 companies in the Retail - Defensive industry, which is in the top quartile — a strong position relative to peers. Overall, Life has a GF Score™ of 89/100, reflecting its overall financial health beyond just this single metric.
How does Life's Debt-to-EBITDA compare to KR?
According to the Retail - Defensive industry distribution chart, Life ranks #55 out of 256 companies for Debt-to-EBITDA. This places Life in the top 22% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 2.22. Life's value of 0.35 is 84.2% below this benchmark. Historically, Life's own Debt-to-EBITDA has ranged from 0.67 to 3.74 over the past decade. While the company's 10-year median is 2.04 vs. the industry median of 2.22, Life 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 Retail - Defensive company?
The median Debt-to-EBITDA among Retail - Defensive companies is 2.22, based on 256 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. Life's current Debt-to-EBITDA of 0.35 is 84.2% 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 Life. For the Retail - Defensive industry, the median Debt-to-EBITDA is 2.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Life's current Debt-to-EBITDA is 0.35, which is 83% below median its own 10-year median of 2.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Life stock overvalued right now?
Life (LIFCF) has a current Debt-to-EBITDA of 0.35. The stock's GF Value™ is $10.13, compared to a current price of $11.02 — trading 8.7% above its estimated fair value. The current Debt-to-EBITDA is 0.35, which is 83% below median its 10-year median of 2.04 and 84.2% below the Retail - Defensive industry median of 2.22. Life's overall GF Score™ is 89/100 with 2 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 Life (LIFCF), the current Debt-to-EBITDA is 0.35 as of Feb. 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 Life (LIFCF) Overvalued in 2026?
Based on GuruFocus' analysis, Life stock appears to be overvalued.
The current stock price of $11.02 is trading 8.7% above its estimated GF Value™ of $10.13.
Key valuation signals for LIFCF:
Debt-to-EBITDA: 0.35 (83% below median its 10-year median of 2.04)
GF Value™: $10.13 vs. price of $11.02 (8.7% above fair value)
Industry Position: 84.2% below the Retail - Defensive median (#55 of 256)
No single metric tells the full story. See the LIFCF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Life Corp is a Japanese supermarket chain operator. The company is domiciled in Japan and generates the majority of revenue domestically. Life Corporation operates stores in Osaka, Tokyo, Hyogo, Kyoto, Nara, Saitama, Chiba, and Kanagawa, and derives the majority of revenue from stores located in Osaka and Tokyo. The company's supermarkets focus on the retail of seafood products, bakery products, food products, fresh fruit and vegetables, meat products, clothing, toilet paper, and craft products. The supermarkets carry a private-label brand of packaged foods.
89GF Score
Get the complete analysis for LIFCF
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