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Mos UtilityNSE:MOS -4.91%79 Debt-to-EBITDA is 2.09 as of Mar. 2026, which is 22% above its 10-year median of 1.72. GuruFocus rates NSE:MOS with a GF Score™ of 79/100 and a GF Value™ of ₹55.55 (Significantly Undervalued). The stock has 5 warning signs investors should review. Among 1,716 Software companies, Mos Utility ranks worse than 65.91% 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 Mos Utility's Debt-to-EBITDA or its related term are showing as below:
NSE:MOS'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.26 Med: 1.72 Max: 4.62
Current: 2.16
During the past 7 years, the highest Debt-to-EBITDA Ratio of Mos Utility was 4.62. The lowest was 0.26. And the median was 1.72.
NSE:MOS's Debt-to-EBITDA is ranked worse than 65.91% of 1716
companies
in the Software industry
Industry Median: 1.085
vs NSE:MOS: 2.16
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.
Mos Utility Debt-to-EBITDA Related Terms
Mos Utility Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Mos Utility'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:MOS vs MSFT, ORCL, PLTR: Debt-to-EBITDA Comparison
For the Software - Infrastructure subindustry, Mos Utility'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.
Mos Utility Debt-to-EBITDA vs Software Industry
For the Software industry and Technology sector, Mos Utility's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Mos Utility'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 two times the quarterly (Mar. 2026) EBITDA data.
Mos Utility (NSE:MOS) has a Debt-to-EBITDA of 2.09 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 Mos Utility. This is 22% above median its historical median of 1.72. Over the past decade, Mos Utility's Debt-to-EBITDA has ranged from 0.26 to 4.62. According to the industry distribution chart, Mos Utility ranks #1131 out of 1716 companies in the Software industry, placing it in the top 65.9%.
Is Mos Utility's Debt-to-EBITDA too high?
Mos Utility's current Debt-to-EBITDA of 2.09 is 22% above median its 10-year median of 1.72. Over the past 10 years, this metric has ranged from a low of 0.26 to a high of 4.62. The Software industry median Debt-to-EBITDA is 1.09. Mos Utility's value of 2.09 is 92.6% above this industry median. Based on the distribution chart, Mos Utility ranks #1131 out of 1716 companies in the Software industry, which is below the industry midpoint. Overall, Mos Utility has a GF Score™ of 79/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Mos Utility's Debt-to-EBITDA compare to MSFT and ORCL?
According to the Software industry distribution chart, Mos Utility ranks #1131 out of 1716 companies for Debt-to-EBITDA. This places Mos Utility in the lower half of its industry. The industry median Debt-to-EBITDA is 1.09. Mos Utility's value of 2.09 is 92.6% above this benchmark. Historically, Mos Utility's own Debt-to-EBITDA has ranged from 0.26 to 4.62 over the past decade. While the company's 10-year median is 1.72 vs. the industry median of 1.09, Mos Utility has consistently been above 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 Software company?
The median Debt-to-EBITDA among Software companies is 1.09, based on 1,716 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. Mos Utility's current Debt-to-EBITDA of 2.09 is 92.6% above 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 Mos Utility. For the Software industry, the median Debt-to-EBITDA is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mos Utility's current Debt-to-EBITDA is 2.09, which is 22% above median its own 10-year median of 1.72. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mos Utility stock overvalued right now?
Based on GuruFocus' analysis, Mos Utility (NSE:MOS) is currently considered Significantly Undervalued. The stock's GF Value™ is ₹55.55, compared to a current price of ₹12.60 — trading 77.3% below its estimated fair value. The current Debt-to-EBITDA is 2.09, which is 22% above median its 10-year median of 1.72 and 92.6% above the Software industry median of 1.09. Mos Utility's overall GF Score™ is 79/100 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 Mos Utility (NSE:MOS), the current Debt-to-EBITDA is 2.09 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 Mos Utility (NSE:MOS) Overvalued in 2026?
Based on GuruFocus' analysis, Mos Utility stock appears to be undervalued.
The current stock price of ₹12.60 is trading 77.3% below its estimated GF Value™ of ₹55.55.
GuruFocus considers Mos Utility to be Significantly Undervalued.
Key valuation signals for NSE:MOS:
Debt-to-EBITDA: 2.09 (22% above median its 10-year median of 1.72)
GF Value™: ₹55.55 vs. price of ₹12.60 (77.3% below fair value)
Industry Position: 92.6% above the Software median (#1131 of 1716)
No single metric tells the full story. See the NSE:MOS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mos Utility Ltd provides digital products and services in the B2C, B2B, and financial technology fields through an integrated business model. The company provides business opportunities for E-commerce, Banking, financial, travel & utility services. The company recognises revenue from the sale of Adhar Enabled Payment System and Micro ATM devices.
79GF Score
Get the complete analysis for NSE:MOS
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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