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Luxor ASLTS:0F5M 52 Debt-to-EBITDA is 8.29 as of Mar. 2026, which is 0% above its 10-year median of 8.28. GuruFocus rates LTS:0F5M with a GF Score™ of 52/100 and a GF Value™ of kr521.43. The stock has 7 warning signs investors should review. Among 33 Banks companies, Luxor AS ranks better than 54.55% 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 Luxor AS's Debt-to-EBITDA or its related term are showing as below:
LTS:0F5M'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 3.29 Med: 8.28 Max: 22.45
Current: 5.72
During the past 13 years, the highest Debt-to-EBITDA Ratio of Luxor AS was 22.45. The lowest was 3.29. And the median was 8.28.
LTS:0F5M's Debt-to-EBITDA is ranked better than 54.55% of 33
companies
in the Banks industry
Industry Median: 9.18
vs LTS:0F5M: 5.72
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.
Luxor AS Debt-to-EBITDA Related Terms
Luxor AS Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Luxor AS'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.
LTS:0F5M vs RKT, FNMA, PFSI: Debt-to-EBITDA Comparison
For the Mortgage Finance subindustry, Luxor AS'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.
Luxor AS Debt-to-EBITDA vs Banks Industry
For the Banks industry and Financial Services sector, Luxor AS's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Luxor AS'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.
Luxor AS (LTS:0F5M) has a Debt-to-EBITDA of 8.29 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 Luxor AS. This is near median its historical median of 8.28. Over the past decade, Luxor AS's Debt-to-EBITDA has ranged from 3.29 to 22.45. According to the industry distribution chart, Luxor AS ranks #15 out of 33 companies in the Banks industry, placing it in the top 45.5%.
Is Luxor AS's Debt-to-EBITDA too high?
Luxor AS's current Debt-to-EBITDA of 8.29 is near median its 10-year median of 8.28. Over the past 10 years, this metric has ranged from a low of 3.29 to a high of 22.45. The Banks industry median Debt-to-EBITDA is 9.18. Luxor AS's value of 8.29 is 9.7% below this industry median. Based on the distribution chart, Luxor AS ranks #15 out of 33 companies in the Banks industry, which is above the industry midpoint. Overall, Luxor AS has a GF Score™ of 52/100, reflecting its overall financial health beyond just this single metric.
How does Luxor AS's Debt-to-EBITDA compare to RKT and FNMA?
According to the Banks industry distribution chart, Luxor AS ranks #15 out of 33 companies for Debt-to-EBITDA. This puts Luxor AS in the upper half of its industry. The industry median Debt-to-EBITDA is 9.18. Luxor AS's value of 8.29 is 9.7% below this benchmark. Historically, Luxor AS's own Debt-to-EBITDA has ranged from 3.29 to 22.45 over the past decade. While the company's 10-year median is 8.28 vs. the industry median of 9.18, Luxor AS 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 Banks company?
The median Debt-to-EBITDA among Banks companies is 9.18, based on 33 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. Luxor AS's current Debt-to-EBITDA of 8.29 is 9.7% 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 Luxor AS. For the Banks industry, the median Debt-to-EBITDA is 9.18 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Luxor AS's current Debt-to-EBITDA is 8.29, which is near median its own 10-year median of 8.28. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Luxor AS stock overvalued right now?
Luxor AS (LTS:0F5M) has a current Debt-to-EBITDA of 8.29. The stock's GF Value™ is kr521.43, compared to a current price of kr680.00 — trading 30.4% above its estimated fair value. The current Debt-to-EBITDA is 8.29, which is near median its 10-year median of 8.28 and 9.7% below the Banks industry median of 9.18. Luxor AS's overall GF Score™ is 52/100 with 7 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 Luxor AS (LTS:0F5M), the current Debt-to-EBITDA is 8.29 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 Luxor AS (LTS:0F5M) Overvalued in 2026?
Based on GuruFocus' analysis, Luxor AS stock appears to be overvalued.
The current stock price of kr680.00 is trading 30.4% above its estimated GF Value™ of kr521.43.
Key valuation signals for LTS:0F5M:
Debt-to-EBITDA: 8.29 (near median its 10-year median of 8.28)
GF Value™: kr521.43 vs. price of kr680.00 (30.4% above fair value)
Industry Position: 9.7% below the Banks median (#15 of 33)
No single metric tells the full story. See the LTS:0F5M stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Luxor AS is an investment company. Its objective is to create the possible long-term return for shareholders through investment for equity and foreign capital within the defined risk framework. The company operates through four segments namely Mortgage deeds, Bonds, Shares and Investment properties. Its mortgage deed portfolio comprises of single family-houses, flats, cooperative housing, holiday houses, farms, and residential and business properties. The bond portfolio includes various corporate bonds. Its investment property portfolio consists of offices, shops, warehouses and production facilities.
52GF Score
Get the complete analysis for LTS:0F5M
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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