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TEARNGO:2485 61 Debt-to-EBITDA is 2.20 as of Mar. 2026, which is 30% above its 10-year median of 1.69. GuruFocus rates NGO:2485 with a GF Score™ of 61/100 and a GF Value™ of 円906.43. The stock has 4 warning signs investors should review. Among 70 Personal Services companies, TEAR ranks worse than 85.71% 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 TEAR's Debt-to-EBITDA or its related term are showing as below:
NGO:2485'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.33 Med: 1.69 Max: 6.49
Current: 6.49
During the past 13 years, the highest Debt-to-EBITDA Ratio of TEAR was 6.49. The lowest was 1.33. And the median was 1.69.
NGO:2485's Debt-to-EBITDA is ranked worse than 85.71% of 70
companies
in the Personal Services industry
Industry Median: 2.265
vs NGO:2485: 6.49
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.
TEAR Debt-to-EBITDA Related Terms
TEAR Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for TEAR'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.
NGO:2485 vs ROL, SCI, HRB: Debt-to-EBITDA Comparison
For the Personal Services subindustry, TEAR'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.
TEAR Debt-to-EBITDA vs Personal Services Industry
For the Personal Services industry and Consumer Cyclical sector, TEAR's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where TEAR'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 four times the quarterly (Mar. 2026) EBITDA data.
TEAR (NGO:2485) has a Debt-to-EBITDA of 2.20 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on TEAR. This is 30% above median its historical median of 1.69. Over the past decade, TEAR's Debt-to-EBITDA has ranged from 1.33 to 6.49. According to the industry distribution chart, TEAR ranks #60 out of 70 companies in the Personal Services industry, placing it in the top 85.7%.
Is TEAR's Debt-to-EBITDA too high?
TEAR's current Debt-to-EBITDA of 2.20 is 30% above median its 10-year median of 1.69. Over the past 10 years, this metric has ranged from a low of 1.33 to a high of 6.49. The Personal Services industry median Debt-to-EBITDA is 2.27. TEAR's value of 2.20 is 2.9% below this industry median. Based on the distribution chart, TEAR ranks #60 out of 70 companies in the Personal Services industry, which is in the bottom quartile relative to peers. Overall, TEAR has a GF Score™ of 61/100, reflecting its overall financial health beyond just this single metric.
How does TEAR's Debt-to-EBITDA compare to ROL and SCI?
According to the Personal Services industry distribution chart, TEAR ranks #60 out of 70 companies for Debt-to-EBITDA. This places TEAR in the lower half of its industry. The industry median Debt-to-EBITDA is 2.27. TEAR's value of 2.20 is 2.9% below this benchmark. Historically, TEAR's own Debt-to-EBITDA has ranged from 1.33 to 6.49 over the past decade. While the company's 10-year median is 1.69 vs. the industry median of 2.27, TEAR 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 Personal Services company?
The median Debt-to-EBITDA among Personal Services companies is 2.27, based on 70 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. TEAR's current Debt-to-EBITDA of 2.20 is 2.9% 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 TEAR. For the Personal Services industry, the median Debt-to-EBITDA is 2.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. TEAR's current Debt-to-EBITDA is 2.20, which is 30% above median its own 10-year median of 1.69. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is TEAR stock overvalued right now?
TEAR (NGO:2485) has a current Debt-to-EBITDA of 2.20. The stock's GF Value™ is 円906.43, compared to a current price of 円530.00 — trading 41.5% below its estimated fair value. The current Debt-to-EBITDA is 2.20, which is 30% above median its 10-year median of 1.69 and 2.9% below the Personal Services industry median of 2.27. TEAR's overall GF Score™ is 61/100 with 4 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 TEAR (NGO:2485), the current Debt-to-EBITDA is 2.20 as of Mar. 2026. 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 TEAR (NGO:2485) Overvalued in 2026?
Based on GuruFocus' analysis, TEAR stock appears to be undervalued.
The current stock price of 円530.00 is trading 41.5% below its estimated GF Value™ of 円906.43.
Key valuation signals for NGO:2485:
Debt-to-EBITDA: 2.20 (30% above median its 10-year median of 1.69)
GF Value™: 円906.43 vs. price of 円530.00 (41.5% below fair value)
Industry Position: 2.9% below the Personal Services median (#60 of 70)
No single metric tells the full story. See the NGO:2485 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
TEAR Corp is engaged in the subcontracting of funeral services and legal requirements. The company also provides follow up according to contents of bereaved families and propose funeral business entrants and know how provided by franchise. Its reportable segments are the funeral business, and franchise business. The funeral business segment derives maximum revenue.
61GF Score
Get the complete analysis for NGO:2485
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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