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Japan SystembankNGO:5530 -0.09%49 Debt-to-EBITDA is 1.69 as of Dec. 2025, which is 58% below its 10-year median of 4.06. GuruFocus rates NGO:5530 with a GF Score™ of 49/100 and a GF Value™ of 円938.42 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,410 Construction companies, Japan Systembank ranks worse than 53.55% 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 Japan Systembank's Debt-to-EBITDA or its related term are showing as below:
NGO:5530'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 2.39 Med: 4.06 Max: 11.9
Current: 2.39
During the past 5 years, the highest Debt-to-EBITDA Ratio of Japan Systembank was 11.90. The lowest was 2.39. And the median was 4.06.
NGO:5530's Debt-to-EBITDA is ranked worse than 53.55% of 1410
companies
in the Construction industry
Industry Median: 2.11
vs NGO:5530: 2.39
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.
Japan Systembank Debt-to-EBITDA Related Terms
Japan Systembank Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Japan Systembank'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.
Japan Systembank Debt-to-EBITDA Competitor Comparison
For the Infrastructure Operations subindustry, Japan Systembank'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.
Japan Systembank Debt-to-EBITDA vs Construction Industry
For the Construction industry and Industrials sector, Japan Systembank's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Japan Systembank'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 (Dec. 2025) EBITDA data.
Japan Systembank (NGO:5530) has a Debt-to-EBITDA of 1.69 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 Japan Systembank. This is 58% below median its historical median of 4.06. Over the past decade, Japan Systembank's Debt-to-EBITDA has ranged from 2.39 to 11.90. According to the industry distribution chart, Japan Systembank ranks #755 out of 1410 companies in the Construction industry, placing it in the top 53.5%.
Is Japan Systembank's Debt-to-EBITDA too high?
Japan Systembank's current Debt-to-EBITDA of 1.69 is 58% below median its 10-year median of 4.06. Over the past 10 years, this metric has ranged from a low of 2.39 to a high of 11.90. The Construction industry median Debt-to-EBITDA is 2.11. Japan Systembank's value of 1.69 is 19.9% below this industry median. Based on the distribution chart, Japan Systembank ranks #755 out of 1410 companies in the Construction industry, which is below the industry midpoint. Overall, Japan Systembank has a GF Score™ of 49/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Japan Systembank's Debt-to-EBITDA compare to competitors?
According to the Construction industry distribution chart, Japan Systembank ranks #755 out of 1410 companies for Debt-to-EBITDA. This places Japan Systembank in the lower half of its industry. The industry median Debt-to-EBITDA is 2.11. Japan Systembank's value of 1.69 is 19.9% below this benchmark. Historically, Japan Systembank's own Debt-to-EBITDA has ranged from 2.39 to 11.90 over the past decade. While the company's 10-year median is 4.06 vs. the industry median of 2.11, Japan Systembank 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 Construction company?
The median Debt-to-EBITDA among Construction companies is 2.11, based on 1,410 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. Japan Systembank's current Debt-to-EBITDA of 1.69 is 19.9% 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 Japan Systembank. For the Construction industry, the median Debt-to-EBITDA is 2.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Japan Systembank's current Debt-to-EBITDA is 1.69, which is 58% below median its own 10-year median of 4.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Japan Systembank stock overvalued right now?
Based on GuruFocus' analysis, Japan Systembank (NGO:5530) is currently considered Modestly Overvalued. The stock's GF Value™ is 円938.42, compared to a current price of 円1,079.00 — trading 15% above its estimated fair value. The current Debt-to-EBITDA is 1.69, which is 58% below median its 10-year median of 4.06 and 19.9% below the Construction industry median of 2.11. Japan Systembank's overall GF Score™ is 49/100 with 3 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 Japan Systembank (NGO:5530), the current Debt-to-EBITDA is 1.69 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 Japan Systembank (NGO:5530) Overvalued in 2026?
Based on GuruFocus' analysis, Japan Systembank stock appears to be overvalued.
The current stock price of 円1,079.00 is trading 15% above its estimated GF Value™ of 円938.42.
GuruFocus considers Japan Systembank to be Modestly Overvalued.
Key valuation signals for NGO:5530:
Debt-to-EBITDA: 1.69 (58% below median its 10-year median of 4.06)
GF Value™: 円938.42 vs. price of 円1,079.00 (15% above fair value)
Industry Position: 19.9% below the Construction median (#755 of 1410)
No single metric tells the full story. See the NGO:5530 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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