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Matica Fintec SpAMIL:MFT 39 Debt-to-EBITDA is 11.08 as of Dec. 2025, which is 374% above its 10-year median of 2.34. GuruFocus rates MIL:MFT with a GF Score™ of 39/100 and a GF Value™ of €0.79 (Significantly Overvalued). The stock has 13 warning signs investors should review. Among 1,795 Hardware companies, Matica Fintec SpA ranks worse than 92.7% 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 Matica Fintec SpA's Debt-to-EBITDA or its related term are showing as below:
MIL:MFT'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.52 Med: 2.34 Max: 12.45
Current: 12.45
During the past 8 years, the highest Debt-to-EBITDA Ratio of Matica Fintec SpA was 12.45. The lowest was 1.52. And the median was 2.34.
MIL:MFT's Debt-to-EBITDA is ranked worse than 92.7% of 1795
companies
in the Hardware industry
Industry Median: 1.71
vs MIL:MFT: 12.45
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.
Matica Fintec SpA Debt-to-EBITDA Related Terms
Matica Fintec SpA Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Matica Fintec 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:MFT vs SNDK, DELL, STX: Debt-to-EBITDA Comparison
For the Computer Hardware subindustry, Matica Fintec 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.
Matica Fintec SpA Debt-to-EBITDA vs Hardware Industry
For the Hardware industry and Technology sector, Matica Fintec SpA's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Matica Fintec 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.
Matica Fintec SpA (MIL:MFT) has a Debt-to-EBITDA of 11.08 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 Matica Fintec SpA. This is 374% above median its historical median of 2.34. Over the past decade, Matica Fintec SpA's Debt-to-EBITDA has ranged from 1.52 to 12.45. According to the industry distribution chart, Matica Fintec SpA ranks #1664 out of 1795 companies in the Hardware industry, placing it in the top 92.7%.
Is Matica Fintec SpA's Debt-to-EBITDA too high?
Matica Fintec SpA's current Debt-to-EBITDA of 11.08 is 374% above median its 10-year median of 2.34. Over the past 10 years, this metric has ranged from a low of 1.52 to a high of 12.45. The Hardware industry median Debt-to-EBITDA is 1.71. Matica Fintec SpA's value of 11.08 is 548% above this industry median. Based on the distribution chart, Matica Fintec SpA ranks #1664 out of 1795 companies in the Hardware industry, which is in the bottom quartile relative to peers. Overall, Matica Fintec SpA has a GF Score™ of 39/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Matica Fintec SpA's Debt-to-EBITDA compare to SNDK and DELL?
According to the Hardware industry distribution chart, Matica Fintec SpA ranks #1664 out of 1795 companies for Debt-to-EBITDA. This places Matica Fintec SpA in the lower half of its industry. The industry median Debt-to-EBITDA is 1.71. Matica Fintec SpA's value of 11.08 is 548% above this benchmark. Historically, Matica Fintec SpA's own Debt-to-EBITDA has ranged from 1.52 to 12.45 over the past decade. While the company's 10-year median is 2.34 vs. the industry median of 1.71, Matica Fintec SpA has consistently been above 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 Hardware company?
The median Debt-to-EBITDA among Hardware companies is 1.71, based on 1,795 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. Matica Fintec SpA's current Debt-to-EBITDA of 11.08 is 548% above 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 Matica Fintec SpA. For the Hardware industry, the median Debt-to-EBITDA is 1.71 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Matica Fintec SpA's current Debt-to-EBITDA is 11.08, which is 374% above median its own 10-year median of 2.34. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Matica Fintec SpA stock overvalued right now?
Based on GuruFocus' analysis, Matica Fintec SpA (MIL:MFT) is currently considered Significantly Overvalued. The stock's GF Value™ is €0.79, compared to a current price of €2.04 — trading 158.2% above its estimated fair value. The current Debt-to-EBITDA is 11.08, which is 374% above median its 10-year median of 2.34 and 548% above the Hardware industry median of 1.71. Matica Fintec SpA's overall GF Score™ is 39/100 with 13 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 Matica Fintec SpA (MIL:MFT), the current Debt-to-EBITDA is 11.08 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 Matica Fintec SpA (MIL:MFT) Overvalued in 2026?
Based on GuruFocus' analysis, Matica Fintec SpA stock appears to be overvalued.
The current stock price of €2.04 is trading 158.2% above its estimated GF Value™ of €0.79.
GuruFocus considers Matica Fintec SpA to be Significantly Overvalued.
Key valuation signals for MIL:MFT:
Debt-to-EBITDA: 11.08 (374% above median its 10-year median of 2.34)
GF Value™: €0.79 vs. price of €2.04 (158.2% above fair value)
Industry Position: 548% above the Hardware median (#1664 of 1795)
No single metric tells the full story. See the MIL:MFT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Matica Fintec SpA designs, develops and sells technological solutions for Banking and Government Institutions. The company specializes in the design, development, and marketing of software and integrated security equipment for credit cards, identity cards, passports, driving licenses, access control badges, etc. Geographically, the company generates maximum revenue from its business in Europe and the rest from South America, Asia, the United States, Africa, United Arab Emirates, India, the Middle East, Italy, and other regions.
39GF 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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