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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 Mortgage Advice Bureau (Holdings)'s Debt-to-EBITDA or its related term are showing as below:
MABHF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.11 Med: 0.52 Max: 1.21
Current: 0.52
During the past 13 years, the highest Debt-to-EBITDA Ratio of Mortgage Advice Bureau (Holdings) was 1.21. The lowest was 0.11. And the median was 0.52.
MABHF's Debt-to-EBITDA is ranked better than 93.94% of 33
companies
in the Banks industry
Industry Median: 9.18
vs MABHF: 0.52
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.
Mortgage Advice Bureau (Holdings) Debt-to-EBITDA Related Terms
Mortgage Advice Bureau (Holdings) 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.
Mortgage Advice Bureau (Holdings) Debt-to-EBITDA Chart
MABHF vs RKT, FNMA, PFSI: Debt-to-EBITDA Comparison
For the Mortgage Finance subindustry, Mortgage Advice Bureau (Holdings)'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.
Mortgage Advice Bureau (Holdings) Debt-to-EBITDA vs Banks Industry
For the Banks industry and Financial Services sector, Mortgage Advice Bureau (Holdings)'s Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Mortgage Advice Bureau (Holdings)'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 (Dec. 2025) EBITDA data.
Mortgage Advice Bureau (Holdings) (MABHF) has a Debt-to-EBITDA of 0.45 as of Dec. 2025. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Mortgage Advice Bureau (Holdings). This is 13% below median its historical median of 0.52. Over the past decade, Mortgage Advice Bureau (Holdings)'s Debt-to-EBITDA has ranged from 0.11 to 1.21. According to the industry distribution chart, Mortgage Advice Bureau (Holdings) ranks #2 out of 33 companies in the Banks industry, placing it in the top 6.1%.
Is Mortgage Advice Bureau (Holdings)'s Debt-to-EBITDA too high?
Mortgage Advice Bureau (Holdings)'s current Debt-to-EBITDA of 0.45 is 13% below median its 10-year median of 0.52. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 1.21. The Banks industry median Debt-to-EBITDA is 9.18. Mortgage Advice Bureau (Holdings)'s value of 0.45 is 95.1% below this industry median. Based on the distribution chart, Mortgage Advice Bureau (Holdings) ranks #2 out of 33 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Mortgage Advice Bureau (Holdings) has a GF Score™ of 78/100, reflecting its overall financial health beyond just this single metric.
How does Mortgage Advice Bureau (Holdings)'s Debt-to-EBITDA compare to RKT and FNMA?
According to the Banks industry distribution chart, Mortgage Advice Bureau (Holdings) ranks #2 out of 33 companies for Debt-to-EBITDA. This places Mortgage Advice Bureau (Holdings) in the top 6% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 9.18. Mortgage Advice Bureau (Holdings)'s value of 0.45 is 95.1% below this benchmark. Historically, Mortgage Advice Bureau (Holdings)'s own Debt-to-EBITDA has ranged from 0.11 to 1.21 over the past decade. While the company's 10-year median is 0.52 vs. the industry median of 9.18, Mortgage Advice Bureau (Holdings) 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. Mortgage Advice Bureau (Holdings)'s current Debt-to-EBITDA of 0.45 is 95.1% 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 Mortgage Advice Bureau (Holdings). 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. Mortgage Advice Bureau (Holdings)'s current Debt-to-EBITDA is 0.45, which is 13% below median its own 10-year median of 0.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mortgage Advice Bureau (Holdings) stock overvalued right now?
Mortgage Advice Bureau (Holdings) (MABHF) has a current Debt-to-EBITDA of 0.45. The stock's GF Value™ is $16.63, compared to a current price of $8.98 — trading 46% below its estimated fair value. The current Debt-to-EBITDA is 0.45, which is 13% below median its 10-year median of 0.52 and 95.1% below the Banks industry median of 9.18. Mortgage Advice Bureau (Holdings)'s overall GF Score™ is 78/100 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 Mortgage Advice Bureau (Holdings) (MABHF), the current Debt-to-EBITDA is 0.45 as of Dec. 2025. 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 Mortgage Advice Bureau (Holdings) (MABHF) Overvalued in 2026?
Based on GuruFocus' analysis, Mortgage Advice Bureau (Holdings) stock appears to be undervalued.
The current stock price of $8.98 is trading 46% below its estimated GF Value™ of $16.63.
Key valuation signals for MABHF:
Debt-to-EBITDA: 0.45 (13% below median its 10-year median of 0.52)
GF Value™: $16.63 vs. price of $8.98 (46% below fair value)
Industry Position: 95.1% below the Banks median (#2 of 33)
No single metric tells the full story. See the MABHF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mortgage Advice Bureau (Holdings) PLC provides mortgage advice and also advice on protection and general insurance products. The group offers advice on residential and buy-to-let mortgage products. The company has developed customized support services for intermediary firms that operate in estate agencies, new build, buy-to-let, mortgage shops and telephone-based mortgage services. The company derives its revenues from mortgage procuration fees, insurance commissions, and client fees. Mortgage procuration fees generate the majority of the revenues.
78GF 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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