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Finanza.tech SpAMIL:FTC -1.94%33 Debt-to-EBITDA is 1.57 as of Dec. 2025, which is 303% above its 10-year median of 0.39. GuruFocus rates MIL:FTC with a GF Score™ of 33/100 and a GF Value™ of €0.26 (Modestly Undervalued). The stock has 8 warning signs investors should review. Among 837 Business Services companies, Finanza.tech SpA ranks worse than 119474.19% 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 Finanza.tech SpA's Debt-to-EBITDA or its related term are showing as below:
MIL:FTC'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -4.15 Med: 0.39 Max: 4.03
Current: -4.15
During the past 7 years, the highest Debt-to-EBITDA Ratio of Finanza.tech SpA was 4.03. The lowest was -4.15. And the median was 0.39.
MIL:FTC's Debt-to-EBITDA is ranked worse than 100% of 837
companies
in the Business Services industry
Industry Median: 1.6
vs MIL:FTC: -4.15
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.
Finanza.tech SpA Debt-to-EBITDA Related Terms
Finanza.tech SpA Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Finanza.tech SpA'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.
MIL:FTC vs VRSK, EFX, BAH: Debt-to-EBITDA Comparison
For the Consulting Services subindustry, Finanza.tech SpA'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.
Finanza.tech SpA Debt-to-EBITDA vs Business Services Industry
For the Business Services industry and Industrials sector, Finanza.tech SpA's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Finanza.tech SpA'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.
Finanza.tech SpA (MIL:FTC) has a Debt-to-EBITDA of 1.57 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 Finanza.tech SpA. This is 303% above median its historical median of 0.39. According to the industry distribution chart, Finanza.tech SpA ranks #999999 out of 837 companies in the Business Services industry.
Is Finanza.tech SpA's Debt-to-EBITDA too high?
Finanza.tech SpA's current Debt-to-EBITDA of 1.57 is 303% above median its 10-year median of 0.39. The Business Services industry median Debt-to-EBITDA is 1.60. Finanza.tech SpA's value of 1.57 is 1.9% below this industry median. Based on the distribution chart, Finanza.tech SpA ranks #999999 out of 837 companies in the Business Services industry, which is in the bottom quartile relative to peers. Overall, Finanza.tech SpA has a GF Score™ of 33/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Finanza.tech SpA's Debt-to-EBITDA compare to VRSK and EFX?
According to the Business Services industry distribution chart, Finanza.tech SpA ranks #999999 out of 837 companies for Debt-to-EBITDA. This places Finanza.tech SpA in the lower half of its industry. The industry median Debt-to-EBITDA is 1.60. Finanza.tech SpA's value of 1.57 is 1.9% below this benchmark. While the company's 10-year median is 0.39 vs. the industry median of 1.60, Finanza.tech SpA 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 Business Services company?
The median Debt-to-EBITDA among Business Services companies is 1.60, based on 837 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. Finanza.tech SpA's current Debt-to-EBITDA of 1.57 is 1.9% 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 Finanza.tech SpA. For the Business Services industry, the median Debt-to-EBITDA is 1.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Finanza.tech SpA's current Debt-to-EBITDA is 1.57, which is 303% above median its own 10-year median of 0.39. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Finanza.tech SpA stock overvalued right now?
Based on GuruFocus' analysis, Finanza.tech SpA (MIL:FTC) is currently considered Modestly Undervalued. The stock's GF Value™ is €0.26, compared to a current price of €0.20 — trading 22.3% below its estimated fair value. The current Debt-to-EBITDA is 1.57, which is 303% above median its 10-year median of 0.39 and 1.9% below the Business Services industry median of 1.60. Finanza.tech SpA's overall GF Score™ is 33/100 with 8 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 Finanza.tech SpA (MIL:FTC), the current Debt-to-EBITDA is 1.57 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 Finanza.tech SpA (MIL:FTC) Overvalued in 2026?
Based on GuruFocus' analysis, Finanza.tech SpA stock appears to be undervalued.
The current stock price of €0.20 is trading 22.3% below its estimated GF Value™ of €0.26.
GuruFocus considers Finanza.tech SpA to be Modestly Undervalued.
Key valuation signals for MIL:FTC:
Debt-to-EBITDA: 1.57 (303% above median its 10-year median of 0.39)
GF Value™: €0.26 vs. price of €0.20 (22.3% below fair value)
Industry Position: 1.9% below the Business Services median (#999999 of 837)
No single metric tells the full story. See the MIL:FTC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Finanza.tech SpA is a fintech operator. It provides consultancy activities in extraordinary finance operations and support for ordinary corporate financial management.
33GF 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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