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CMS Info SystemsNSE:CMSINFO -0.44%77 Debt-to-EBITDA is 0.32 as of Mar. 2026, which is 11% below its 10-year median of 0.36. GuruFocus rates NSE:CMSINFO with a GF Score™ of 77/100 and a GF Value™ of ₹469.72 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 835 Business Services companies, CMS Info Systems ranks better than 78.56% 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 CMS Info Systems's Debt-to-EBITDA or its related term are showing as below:
NSE:CMSINFO'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.28 Med: 0.36 Max: 0.47
Current: 0.35
During the past 8 years, the highest Debt-to-EBITDA Ratio of CMS Info Systems was 0.47. The lowest was 0.28. And the median was 0.36.
NSE:CMSINFO's Debt-to-EBITDA is ranked better than 78.56% of 835
companies
in the Business Services industry
Industry Median: 1.65
vs NSE:CMSINFO: 0.35
CMS Info Systems (NSE:CMSINFO) Debt-to-EBITDA Explanation
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.
CMS Info Systems Debt-to-EBITDA Related Terms
CMS Info Systems Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for CMS Info Systems'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.
NSE:CMSINFO vs CTAS, CPRT, ULS: Debt-to-EBITDA Comparison
For the Specialty Business Services subindustry, CMS Info Systems'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.
CMS Info Systems Debt-to-EBITDA vs Business Services Industry
For the Business Services industry and Industrials sector, CMS Info Systems's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where CMS Info Systems'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.
CMS Info Systems (NSE:CMSINFO) has a Debt-to-EBITDA of 0.32 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 CMS Info Systems. This is 11% below median its historical median of 0.36. Over the past decade, CMS Info Systems' Debt-to-EBITDA has ranged from 0.28 to 0.47. According to the industry distribution chart, CMS Info Systems ranks #179 out of 835 companies in the Business Services industry, placing it in the top 21.4%.
Is CMS Info Systems' Debt-to-EBITDA too high?
CMS Info Systems' current Debt-to-EBITDA of 0.32 is 11% below median its 10-year median of 0.36. Over the past 10 years, this metric has ranged from a low of 0.28 to a high of 0.47. The Business Services industry median Debt-to-EBITDA is 1.65. CMS Info Systems' value of 0.32 is 80.6% below this industry median. Based on the distribution chart, CMS Info Systems ranks #179 out of 835 companies in the Business Services industry, which is in the top quartile — a strong position relative to peers. Overall, CMS Info Systems has a GF Score™ of 77/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does CMS Info Systems' Debt-to-EBITDA compare to CTAS and CPRT?
According to the Business Services industry distribution chart, CMS Info Systems ranks #179 out of 835 companies for Debt-to-EBITDA. This places CMS Info Systems in the top 21% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 1.65. CMS Info Systems' value of 0.32 is 80.6% below this benchmark. Historically, CMS Info Systems' own Debt-to-EBITDA has ranged from 0.28 to 0.47 over the past decade. While the company's 10-year median is 0.36 vs. the industry median of 1.65, CMS Info Systems 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 Business Services company?
The median Debt-to-EBITDA among Business Services companies is 1.65, based on 835 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. CMS Info Systems's current Debt-to-EBITDA of 0.32 is 80.6% 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 CMS Info Systems. For the Business Services industry, the median Debt-to-EBITDA is 1.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CMS Info Systems's current Debt-to-EBITDA is 0.32, which is 11% below median its own 10-year median of 0.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CMS Info Systems stock overvalued right now?
Based on GuruFocus' analysis, CMS Info Systems (NSE:CMSINFO) is currently considered Significantly Undervalued. The stock's GF Value™ is ₹469.72, compared to a current price of ₹271.70 — trading 42.2% below its estimated fair value. The current Debt-to-EBITDA is 0.32, which is 11% below median its 10-year median of 0.36 and 80.6% below the Business Services industry median of 1.65. CMS Info Systems' overall GF Score™ is 77/100 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 CMS Info Systems (NSE:CMSINFO), the current Debt-to-EBITDA is 0.32 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 CMS Info Systems (NSE:CMSINFO) Overvalued in 2026?
Based on GuruFocus' analysis, CMS Info Systems stock appears to be undervalued.
The current stock price of ₹271.70 is trading 42.2% below its estimated GF Value™ of ₹469.72.
GuruFocus considers CMS Info Systems to be Significantly Undervalued.
Key valuation signals for NSE:CMSINFO:
Debt-to-EBITDA: 0.32 (11% below median its 10-year median of 0.36)
GF Value™: ₹469.72 vs. price of ₹271.70 (42.2% below fair value)
Industry Position: 80.6% below the Business Services median (#179 of 835)
No single metric tells the full story. See the NSE:CMSINFO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CMS Info Systems Ltd is engaged in the business of providing ATM and Cash Management services, supply, installation and maintenance of ATM and cash deposit machines, and also engaged in card trading and personalization services. Its reportable segments are; Cash Management services; Managed services; and Card services. Maximum revenue for the company is generated from its Cash Management services segment which provides ATM cash management services, Retail cash management services, Cash in transit services for banks, and other related services.
77GF Score
Get the complete analysis for NSE:CMSINFO
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