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mF InternationalMFI +7.30%21 Debt-to-EBITDA is 0.03 as of Dec. 2025, which is 96% below its 10-year median of 0.84. GuruFocus rates MFI with a GF Score™ of 21/100. The stock has 2 warning signs investors should review. Among 1,727 Software companies, mF International ranks better than 90.91% 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 mF International's Debt-to-EBITDA or its related term are showing as below:
MFI'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -0.59 Med: 0.84 Max: 0.94
Current: 0.07
During the past 5 years, the highest Debt-to-EBITDA Ratio of mF International was 0.94. The lowest was -0.59. And the median was 0.84.
MFI's Debt-to-EBITDA is ranked better than 90.91% of 1727
companies
in the Software industry
Industry Median: 1.02
vs MFI: 0.07
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.
mF International Debt-to-EBITDA Related Terms
mF International Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for mF International'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.
MFI vs BLND, RMNI, CRNC: Debt-to-EBITDA Comparison
For the Software - Application subindustry, mF International'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.
mF International Debt-to-EBITDA vs Software Industry
For the Software industry and Technology sector, mF International's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where mF International'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.
mF International (MFI) has a Debt-to-EBITDA of 0.03 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 mF International. This is 96% below median its historical median of 0.84. According to the industry distribution chart, mF International ranks #157 out of 1727 companies in the Software industry, placing it in the top 9.1%.
Is mF International's Debt-to-EBITDA too high?
mF International's current Debt-to-EBITDA of 0.03 is 96% below median its 10-year median of 0.84. The Software industry median Debt-to-EBITDA is 1.02. mF International's value of 0.03 is 97.1% below this industry median. Based on the distribution chart, mF International ranks #157 out of 1727 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, mF International has a GF Score™ of 21/100, reflecting its overall financial health beyond just this single metric.
How does mF International's Debt-to-EBITDA compare to BLND and RMNI?
According to the Software industry distribution chart, mF International ranks #157 out of 1727 companies for Debt-to-EBITDA. This places mF International in the top 9% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 1.02. mF International's value of 0.03 is 97.1% below this benchmark. While the company's 10-year median is 0.84 vs. the industry median of 1.02, mF International 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 1.02, based on 1,727 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. mF International's current Debt-to-EBITDA of 0.03 is 97.1% 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 mF International. For the Software industry, the median Debt-to-EBITDA is 1.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. mF International's current Debt-to-EBITDA is 0.03, which is 96% below median its own 10-year median of 0.84. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is mF International stock overvalued right now?
mF International (MFI) has a current Debt-to-EBITDA of 0.03. The current Debt-to-EBITDA is 0.03, which is 96% below median its 10-year median of 0.84 and 97.1% below the Software industry median of 1.02. mF International's overall GF Score™ is 21/100 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 mF International (MFI), the current Debt-to-EBITDA is 0.03 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.
mF International Ltd is a holding company and all of its operations are carried out by Operating Subsidiaries in Hong Kong. It is a financial trading solution provider principally engaged in the development and provision of financial trading solutions. It has experience in providing real-time mission-critical forex, bullion/commodities trading platform solutions, financial value-added services, mobile applications, and financial information for brokers and institutional clients via the internet or a platform as software as a service. The company has provided a wide range of top-notch services, including mF4 Trading Platform, Bridge and Plugins, CRM System, ECN System, Liquidity Solutions, Cross-platform Broker Plus Solution, Social Trading Applications and others.
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