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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 Indostar Capital Finance's Debt-to-EBITDA or its related term are showing as below:
NSE:INDOSTAR'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -55.83 Med: 12.92 Max: 151.27
Current: 16.37
During the past 13 years, the highest Debt-to-EBITDA Ratio of Indostar Capital Finance was 151.27. The lowest was -55.83. And the median was 12.92.
NSE:INDOSTAR's Debt-to-EBITDA is ranked worse than 71.83% of 284
companies
in the Credit Services industry
Industry Median: 8.565
vs NSE:INDOSTAR: 16.37
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.
Indostar Capital Finance Debt-to-EBITDA Related Terms
Indostar Capital Finance Debt-to-EBITDA Historical Data
* 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:INDOSTAR vs V, MA, AXP: Debt-to-EBITDA Comparison
For the Credit Services subindustry, Indostar Capital Finance'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.
Indostar Capital Finance Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Indostar Capital Finance's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Indostar Capital Finance'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 (Jun. 2026) EBITDA data.
Indostar Capital Finance (NSE:INDOSTAR) has a Debt-to-EBITDA of 0.00 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Indostar Capital Finance. According to the industry distribution chart, Indostar Capital Finance ranks #204 out of 284 companies in the Credit Services industry, placing it in the top 71.8%.
Is Indostar Capital Finance's Debt-to-EBITDA too high?
Indostar Capital Finance's current Debt-to-EBITDA is 0.00. Based on the distribution chart, Indostar Capital Finance ranks #204 out of 284 companies in the Credit Services industry, which is below the industry midpoint. Overall, Indostar Capital Finance has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Indostar Capital Finance's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Indostar Capital Finance ranks #204 out of 284 companies for Debt-to-EBITDA. This places Indostar Capital Finance in the lower half of its industry. The industry median Debt-to-EBITDA is 8.57. 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 8.57, 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. 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 Indostar Capital Finance. For the Credit Services industry, the median Debt-to-EBITDA is 8.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Indostar Capital Finance's current Debt-to-EBITDA is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Indostar Capital Finance stock overvalued right now?
Based on GuruFocus' analysis, Indostar Capital Finance (NSE:INDOSTAR) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹227.26, compared to a current price of ₹258.66 — trading 13.8% above its estimated fair value. The current Debt-to-EBITDA is 0.00. Indostar Capital Finance's overall GF Score™ is 65/100 with 9 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 Indostar Capital Finance (NSE:INDOSTAR), the current Debt-to-EBITDA is 0.00 as of Jun. 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 Indostar Capital Finance (NSE:INDOSTAR) Overvalued in 2026?
Based on GuruFocus' analysis, Indostar Capital Finance stock appears to be overvalued.
The current stock price of ₹258.66 is trading 13.8% above its estimated GF Value™ of ₹227.26.
GuruFocus considers Indostar Capital Finance to be Modestly Overvalued.
Key valuation signals for NSE:INDOSTAR:
Debt-to-EBITDA: 0.00
GF Value™: ₹227.26 vs. price of ₹258.66 (13.8% above fair value)
No single metric tells the full story. See the NSE:INDOSTAR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Indostar Capital Finance Ltd is a non-banking finance company. It is engaged in the business of lending to used and new commercial vehicles, corporates, SME businesses, and Micro businesses. Through its subsidiaries, it also offers investment advisory, housing finance, and asset management services. The group operates in the following segments: Large Corporate, SME, Commercial vehicle, and Housing Finance. The majority of its revenue is generated from the Commercial vehicle segment, which mainly consists of financing for used and new vehicles. Geographically, all of its operations are carried out within India.
65GF Score
Get the complete analysis for NSE:INDOSTAR
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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