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CP CapitalNSE:CPCAP +2.51%69 Debt-to-EBITDA is 1.30 as of Mar. 2026, which is 4% below its 10-year median of 1.36. GuruFocus rates NSE:CPCAP with a GF Score™ of 69/100 and a GF Value™ of ₹117.97 (Fairly Valued). The stock has 5 warning signs investors should review. Among 283 Credit Services companies, CP Capital ranks better than 85.51% 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 CP Capital's Debt-to-EBITDA or its related term are showing as below:
NSE:CPCAP'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.71 Med: 1.36 Max: 4.8
Current: 1.21
During the past 13 years, the highest Debt-to-EBITDA Ratio of CP Capital was 4.80. The lowest was 0.71. And the median was 1.36.
NSE:CPCAP's Debt-to-EBITDA is ranked better than 85.51% of 283
companies
in the Credit Services industry
Industry Median: 9.32
vs NSE:CPCAP: 1.21
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.
CP Capital Debt-to-EBITDA Related Terms
CP Capital Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for CP Capital'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:CPCAP vs V, MA, AXP: Debt-to-EBITDA Comparison
For the Credit Services subindustry, CP Capital'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.
CP Capital Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, CP Capital's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where CP Capital'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.
CP Capital (NSE:CPCAP) has a Debt-to-EBITDA of 1.30 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 CP Capital. This is near median its historical median of 1.36. Over the past decade, CP Capital's Debt-to-EBITDA has ranged from 0.71 to 4.80. According to the industry distribution chart, CP Capital ranks #41 out of 283 companies in the Credit Services industry, placing it in the top 14.5%.
Is CP Capital's Debt-to-EBITDA too high?
CP Capital's current Debt-to-EBITDA of 1.30 is near median its 10-year median of 1.36. Over the past 10 years, this metric has ranged from a low of 0.71 to a high of 4.80. The Credit Services industry median Debt-to-EBITDA is 9.32. CP Capital's value of 1.30 is 86.1% below this industry median. Based on the distribution chart, CP Capital ranks #41 out of 283 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, CP Capital has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does CP Capital's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, CP Capital ranks #41 out of 283 companies for Debt-to-EBITDA. This places CP Capital in the top 15% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 9.32. CP Capital's value of 1.30 is 86.1% below this benchmark. Historically, CP Capital's own Debt-to-EBITDA has ranged from 0.71 to 4.80 over the past decade. While the company's 10-year median is 1.36 vs. the industry median of 9.32, CP Capital 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 9.32, based on 283 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. CP Capital's current Debt-to-EBITDA of 1.30 is 86.1% 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 CP Capital. For the Credit Services industry, the median Debt-to-EBITDA is 9.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CP Capital's current Debt-to-EBITDA is 1.30, which is near median its own 10-year median of 1.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CP Capital stock overvalued right now?
Based on GuruFocus' analysis, CP Capital (NSE:CPCAP) is currently considered Fairly Valued. The stock's GF Value™ is ₹117.97, compared to a current price of ₹110.01 — trading 6.7% below its estimated fair value. The current Debt-to-EBITDA is 1.30, which is near median its 10-year median of 1.36 and 86.1% below the Credit Services industry median of 9.32. CP Capital's overall GF Score™ is 69/100 with 5 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 CP Capital (NSE:CPCAP), the current Debt-to-EBITDA is 1.30 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 CP Capital (NSE:CPCAP) Overvalued in 2026?
Based on GuruFocus' analysis, CP Capital stock appears to be undervalued.
The current stock price of ₹110.01 is trading 6.7% below its estimated GF Value™ of ₹117.97.
GuruFocus considers CP Capital to be Fairly Valued.
Key valuation signals for NSE:CPCAP:
Debt-to-EBITDA: 1.30 (near median its 10-year median of 1.36)
GF Value™: ₹117.97 vs. price of ₹110.01 (6.7% below fair value)
Industry Position: 86.1% below the Credit Services median (#41 of 283)
No single metric tells the full story. See the NSE:CPCAP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CP Capital Ltd formerly Career Point Ltd is an Indian based company which provides education and hostel services. The service line of the company consists of pre-school, school education, test preparation, higher education, e-learning, and vocational education. It also provides education consultancy and management services for the administration of the school.
69GF Score
Get the complete analysis for NSE:CPCAP
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