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Manba FinanceNSE:MANBA -1.39%39 Debt-to-EBITDA is 0.00 as of Jun. 2026. GuruFocus rates NSE:MANBA with a GF Score™ of 39/100. The stock has 5 warning signs investors should review. Among 285 Credit Services companies, Manba Finance ranks worse than 69.82% 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 Manba Finance's Debt-to-EBITDA or its related term are showing as below:
NSE:MANBA'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 15.13 Med: 19.46 Max: 24.25
Current: 15.84
During the past 6 years, the highest Debt-to-EBITDA Ratio of Manba Finance was 24.25. The lowest was 15.13. And the median was 19.46.
NSE:MANBA's Debt-to-EBITDA is ranked worse than 69.82% of 285
companies
in the Credit Services industry
Industry Median: 8.69
vs NSE:MANBA: 15.84
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.
Manba Finance Debt-to-EBITDA Related Terms
Manba Finance Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Manba Finance'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:MANBA vs V, MA, AXP: Debt-to-EBITDA Comparison
For the Credit Services subindustry, Manba 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.
Manba Finance Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Manba Finance's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Manba 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.
Manba Finance (NSE:MANBA) 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 Manba Finance. Over the past decade, Manba Finance's Debt-to-EBITDA has ranged from 15.13 to 24.25. According to the industry distribution chart, Manba Finance ranks #199 out of 285 companies in the Credit Services industry, placing it in the top 69.8%.
Is Manba Finance's Debt-to-EBITDA too high?
Manba Finance's current Debt-to-EBITDA is 0.00. Over the past 10 years, this metric has ranged from a low of 15.13 to a high of 24.25. Based on the distribution chart, Manba Finance ranks #199 out of 285 companies in the Credit Services industry, which is below the industry midpoint. Overall, Manba Finance has a GF Score™ of 39/100, reflecting its overall financial health beyond just this single metric.
How does Manba Finance's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Manba Finance ranks #199 out of 285 companies for Debt-to-EBITDA. This places Manba Finance in the lower half of its industry. The industry median Debt-to-EBITDA is 8.69. Historically, Manba Finance's own Debt-to-EBITDA has ranged from 15.13 to 24.25 over the past decade. 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 8.69, based on 285 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 Manba Finance. For the Credit Services industry, the median Debt-to-EBITDA is 8.69 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Manba 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 Manba Finance stock overvalued right now?
Manba Finance (NSE:MANBA) has a current Debt-to-EBITDA of 0.00. The current Debt-to-EBITDA is 0.00. Manba Finance's overall GF Score™ is 39/100 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 Manba Finance (NSE:MANBA), 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.
Manba Finance Ltd is a non-banking finance company offering financial solutions for new two-wheelers, three-wheelers, electric two-wheelers, electric three-wheelers, used cars, small business loans, and personal loans. The company's target customers are mainly employees and the self-employed. The company has branches in urban, semi-urban, and metropolitan cities and towns, serving the surrounding rural areas. It has established relationships with more than 1,100 dealers, including more than 190 EV dealers in Maharashtra, Gujarat, Rajasthan, Chhattisgarh, Madhya Pradesh, and Uttar Pradesh.
39GF Score
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