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Wise GroupLSE:WISE -0.28%87 Debt-to-EBITDA is 1.03 as of Mar. 2026, which is 4% below its 10-year median of 1.07. GuruFocus rates LSE:WISE with a GF Score™ of 87/100 and a GF Value™ of £13.13 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 1,720 Software companies, Wise Group ranks better than 56.92% 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 Wise Group's Debt-to-EBITDA or its related term are showing as below:
LSE:WISE'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.31 Med: 1.07 Max: 1.47
Current: 0.8
During the past 8 years, the highest Debt-to-EBITDA Ratio of Wise Group was 1.47. The lowest was 0.31. And the median was 1.07.
LSE:WISE's Debt-to-EBITDA is ranked better than 56.92% of 1720
companies
in the Software industry
Industry Median: 1.085
vs LSE:WISE: 0.80
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.
Wise Group Debt-to-EBITDA Related Terms
Wise Group Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Wise Group'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.
LSE:WISE vs LDOS, APLD, CIFR: Debt-to-EBITDA Comparison
For the Information Technology Services subindustry, Wise Group'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.
Wise Group Debt-to-EBITDA vs Software Industry
For the Software industry and Technology sector, Wise Group's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Wise Group'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 two times the quarterly (Mar. 2026) EBITDA data.
Wise Group (LSE:WISE) has a Debt-to-EBITDA of 1.03 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 Wise Group. This is near median its historical median of 1.07. Over the past decade, Wise Group's Debt-to-EBITDA has ranged from 0.31 to 1.47. According to the industry distribution chart, Wise Group ranks #741 out of 1720 companies in the Software industry, placing it in the top 43.1%.
Is Wise Group's Debt-to-EBITDA too high?
Wise Group's current Debt-to-EBITDA of 1.03 is near median its 10-year median of 1.07. Over the past 10 years, this metric has ranged from a low of 0.31 to a high of 1.47. The Software industry median Debt-to-EBITDA is 1.09. Wise Group's value of 1.03 is 5.1% below this industry median. Based on the distribution chart, Wise Group ranks #741 out of 1720 companies in the Software industry, which is above the industry midpoint. Overall, Wise Group has a GF Score™ of 87/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Wise Group's Debt-to-EBITDA compare to LDOS and APLD?
According to the Software industry distribution chart, Wise Group ranks #741 out of 1720 companies for Debt-to-EBITDA. This puts Wise Group in the upper half of its industry. The industry median Debt-to-EBITDA is 1.09. Wise Group's value of 1.03 is 5.1% below this benchmark. Historically, Wise Group's own Debt-to-EBITDA has ranged from 0.31 to 1.47 over the past decade. While the company's 10-year median is 1.07 vs. the industry median of 1.09, Wise Group 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 1.09, based on 1,720 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. Wise Group's current Debt-to-EBITDA of 1.03 is 5.1% 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 Wise Group. For the Software industry, the median Debt-to-EBITDA is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Wise Group's current Debt-to-EBITDA is 1.03, which is near median its own 10-year median of 1.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Wise Group stock overvalued right now?
Based on GuruFocus' analysis, Wise Group (LSE:WISE) is currently considered Possible Value Trap. The stock's GF Value™ is £13.13, compared to a current price of £9.26 — trading 29.5% below its estimated fair value. The current Debt-to-EBITDA is 1.03, which is near median its 10-year median of 1.07 and 5.1% below the Software industry median of 1.09. Wise Group's overall GF Score™ is 87/100 with 5 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 Wise Group (LSE:WISE), the current Debt-to-EBITDA is 1.03 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 Wise Group (LSE:WISE) Overvalued in 2026?
Based on GuruFocus' analysis, Wise Group stock appears to be undervalued.
The current stock price of £9.26 is trading 29.5% below its estimated GF Value™ of £13.13.
GuruFocus considers Wise Group to be Possible Value Trap.
Key valuation signals for LSE:WISE:
Debt-to-EBITDA: 1.03 (near median its 10-year median of 1.07)
GF Value™: £13.13 vs. price of £9.26 (29.5% below fair value)
Industry Position: 5.1% below the Software median (#741 of 1720)
No single metric tells the full story. See the LSE:WISE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Wise is a currency conversion platform that matches, where possible, offsetting currency transactions across borders to reduce costs. The group focuses primarily on private clients and small and midsize enterprises, but it is building out its platform business aimed at providing its services as a backend solution to banks. By operating local accounts in each jurisdiction Wise sends money to or receives money from, this fintech offers faster and cheaper currency transfer services than incumbents (banks). Wise has started to broaden its product offering, issuing its clients debit cards and allowing customers to invest funds in various asset management products.
87GF 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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