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Premia Finance SpAMIL:PFI +0.68%63 Debt-to-EBITDA is 0.09 as of Dec. 2025, which is 200% above its 10-year median of 0.03. GuruFocus rates MIL:PFI with a GF Score™ of 63/100 and a GF Value™ of €1.55 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 284 Credit Services companies, Premia Finance SpA ranks better than 98.94% 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 Premia Finance SpA's Debt-to-EBITDA or its related term are showing as below:
MIL:PFI'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0 Med: 0.03 Max: 0.08
Current: 0.02
During the past 7 years, the highest Debt-to-EBITDA Ratio of Premia Finance SpA was 0.08. The lowest was 0.00. And the median was 0.03.
MIL:PFI's Debt-to-EBITDA is ranked better than 98.94% of 284
companies
in the Credit Services industry
Industry Median: 9.115
vs MIL:PFI: 0.02
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.
Premia Finance SpA Debt-to-EBITDA Related Terms
Premia Finance SpA Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Premia Finance 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.
For the Credit Services subindustry, Premia Finance 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.
Premia Finance SpA Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Premia Finance SpA's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Premia Finance 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.
Premia Finance SpA (MIL:PFI) has a Debt-to-EBITDA of 0.09 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 Premia Finance SpA. This is 200% above median its historical median of 0.03. According to the industry distribution chart, Premia Finance SpA ranks #3 out of 284 companies in the Credit Services industry, placing it in the top 1.1%.
Is Premia Finance SpA's Debt-to-EBITDA too high?
Premia Finance SpA's current Debt-to-EBITDA of 0.09 is 200% above median its 10-year median of 0.03. The Credit Services industry median Debt-to-EBITDA is 9.12. Premia Finance SpA's value of 0.09 is 99% below this industry median. Based on the distribution chart, Premia Finance SpA ranks #3 out of 284 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Premia Finance SpA has a GF Score™ of 63/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Premia Finance SpA's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Premia Finance SpA ranks #3 out of 284 companies for Debt-to-EBITDA. This places Premia Finance SpA in the top 1% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 9.12. Premia Finance SpA's value of 0.09 is 99% below this benchmark. While the company's 10-year median is 0.03 vs. the industry median of 9.12, Premia Finance 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 Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 9.12, based on 284 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. Premia Finance SpA's current Debt-to-EBITDA of 0.09 is 99% 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 Premia Finance SpA. For the Credit Services industry, the median Debt-to-EBITDA is 9.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Premia Finance SpA's current Debt-to-EBITDA is 0.09, which is 200% above median its own 10-year median of 0.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Premia Finance SpA stock overvalued right now?
Based on GuruFocus' analysis, Premia Finance SpA (MIL:PFI) is currently considered Possible Value Trap. The stock's GF Value™ is €1.55, compared to a current price of €0.75 — trading 51.9% below its estimated fair value. The current Debt-to-EBITDA is 0.09, which is 200% above median its 10-year median of 0.03 and 99% below the Credit Services industry median of 9.12. Premia Finance SpA's overall GF Score™ is 63/100 with 6 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 Premia Finance SpA (MIL:PFI), the current Debt-to-EBITDA is 0.09 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 Premia Finance SpA (MIL:PFI) Overvalued in 2026?
Based on GuruFocus' analysis, Premia Finance SpA stock appears to be undervalued.
The current stock price of €0.75 is trading 51.9% below its estimated GF Value™ of €1.55.
GuruFocus considers Premia Finance SpA to be Possible Value Trap.
Key valuation signals for MIL:PFI:
Debt-to-EBITDA: 0.09 (200% above median its 10-year median of 0.03)
GF Value™: €1.55 vs. price of €0.75 (51.9% below fair value)
Industry Position: 99% below the Credit Services median (#3 of 284)
No single metric tells the full story. See the MIL:PFI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Premia Finance SpA provides credit brokerage services. The company helps banks, credit organizations, and financial institutions to connect with borrowers for various credit products such as fifth transfer, mortgages, personal loans, microcredit, loan with delegation, insurance, and others.
63GF 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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