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Akme Fintrade (India)NSE:AFIL -2.28%38 Debt-to-EBITDA is 8.82 as of Mar. 2026, which is 3% below its 10-year median of 9.13. GuruFocus rates NSE:AFIL with a GF Score™ of 38/100. The stock has 4 warning signs investors should review. Among 284 Credit Services companies, Akme Fintrade (India) ranks better than 51.76% 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 Akme Fintrade (India)'s Debt-to-EBITDA or its related term are showing as below:
NSE:AFIL'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 6.45 Med: 9.13 Max: 24.72
Current: 8.76
During the past 7 years, the highest Debt-to-EBITDA Ratio of Akme Fintrade (India) was 24.72. The lowest was 6.45. And the median was 9.13.
NSE:AFIL's Debt-to-EBITDA is ranked better than 51.76% of 284
companies
in the Credit Services industry
Industry Median: 9.325
vs NSE:AFIL: 8.76
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.
Akme Fintrade (India) Debt-to-EBITDA Related Terms
Akme Fintrade (India) Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Akme Fintrade (India)'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, Akme Fintrade (India)'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.
Akme Fintrade (India) Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Akme Fintrade (India)'s Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Akme Fintrade (India)'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.
Akme Fintrade (India) (NSE:AFIL) has a Debt-to-EBITDA of 8.82 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 Akme Fintrade (India). This is near median its historical median of 9.13. Over the past decade, Akme Fintrade (India)'s Debt-to-EBITDA has ranged from 6.45 to 24.72. According to the industry distribution chart, Akme Fintrade (India) ranks #137 out of 284 companies in the Credit Services industry, placing it in the top 48.2%.
Is Akme Fintrade (India)'s Debt-to-EBITDA too high?
Akme Fintrade (India)'s current Debt-to-EBITDA of 8.82 is near median its 10-year median of 9.13. Over the past 10 years, this metric has ranged from a low of 6.45 to a high of 24.72. The Credit Services industry median Debt-to-EBITDA is 9.33. Akme Fintrade (India)'s value of 8.82 is 5.4% below this industry median. Based on the distribution chart, Akme Fintrade (India) ranks #137 out of 284 companies in the Credit Services industry, which is above the industry midpoint. Overall, Akme Fintrade (India) has a GF Score™ of 38/100, reflecting its overall financial health beyond just this single metric.
How does Akme Fintrade (India)'s Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Akme Fintrade (India) ranks #137 out of 284 companies for Debt-to-EBITDA. This puts Akme Fintrade (India) in the upper half of its industry. The industry median Debt-to-EBITDA is 9.33. Akme Fintrade (India)'s value of 8.82 is 5.4% below this benchmark. Historically, Akme Fintrade (India)'s own Debt-to-EBITDA has ranged from 6.45 to 24.72 over the past decade. While the company's 10-year median is 9.13 vs. the industry median of 9.33, Akme Fintrade (India) 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 9.33, 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. Akme Fintrade (India)'s current Debt-to-EBITDA of 8.82 is 5.4% 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 Akme Fintrade (India). For the Credit Services industry, the median Debt-to-EBITDA is 9.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Akme Fintrade (India)'s current Debt-to-EBITDA is 8.82, which is near median its own 10-year median of 9.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Akme Fintrade (India) stock overvalued right now?
Akme Fintrade (India) (NSE:AFIL) has a current Debt-to-EBITDA of 8.82. The current Debt-to-EBITDA is 8.82, which is near median its 10-year median of 9.13 and 5.4% below the Credit Services industry median of 9.33. Akme Fintrade (India)'s overall GF Score™ is 38/100 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 Akme Fintrade (India) (NSE:AFIL), the current Debt-to-EBITDA is 8.82 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.
Akme Fintrade (India) Ltd is a non-banking finance company. It is engaged in rural and semi-urban centric lending solutions to look after the needs and aspirations of rural and semi-urban populace. The company's portfolio includes Vehicle Finance and Business Finance Products to small business owners and has footprints in rural and semi-urban geographies in 4 Indian states Rajasthan, Maharashtra, Madhya Pradesh and Gujarat.
38GF Score
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