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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 SBFC Finance's Debt-to-EBITDA or its related term are showing as below:
NSE:SBFC'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 9 Med: 17.07 Max: 28.15
Current: 9
During the past 7 years, the highest Debt-to-EBITDA Ratio of SBFC Finance was 28.15. The lowest was 9.00. And the median was 17.07.
NSE:SBFC's Debt-to-EBITDA is ranked worse than 50.52% of 287
companies
in the Credit Services industry
Industry Median: 8.87
vs NSE:SBFC: 9.00
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.
SBFC Finance Debt-to-EBITDA Related Terms
SBFC Finance Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for SBFC 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.
For the Credit Services subindustry, SBFC 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.
SBFC Finance Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SBFC Finance's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where SBFC 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.
SBFC Finance (NSE:SBFC) 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 SBFC Finance. Over the past decade, SBFC Finance's Debt-to-EBITDA has ranged from 9.00 to 28.15. According to the industry distribution chart, SBFC Finance ranks #145 out of 287 companies in the Credit Services industry, placing it in the top 50.5%.
Is SBFC Finance's Debt-to-EBITDA too high?
SBFC Finance's current Debt-to-EBITDA is 0.00. Over the past 10 years, this metric has ranged from a low of 9.00 to a high of 28.15. Based on the distribution chart, SBFC Finance ranks #145 out of 287 companies in the Credit Services industry, which is below the industry midpoint. Overall, SBFC Finance has a GF Score™ of 84/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does SBFC Finance's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, SBFC Finance ranks #145 out of 287 companies for Debt-to-EBITDA. This places SBFC Finance in the lower half of its industry. The industry median Debt-to-EBITDA is 8.87. Historically, SBFC Finance's own Debt-to-EBITDA has ranged from 9.00 to 28.15 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 8.87, based on 287 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 SBFC Finance. For the Credit Services industry, the median Debt-to-EBITDA is 8.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SBFC 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 SBFC Finance stock overvalued right now?
Based on GuruFocus' analysis, SBFC Finance (NSE:SBFC) is currently considered Possible Value Trap. The stock's GF Value™ is ₹138.59, compared to a current price of ₹93.95 — trading 32.2% below its estimated fair value. The current Debt-to-EBITDA is 0.00. SBFC Finance's overall GF Score™ is 84/100 with 3 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 SBFC Finance (NSE:SBFC), 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 SBFC Finance (NSE:SBFC) Overvalued in 2026?
Based on GuruFocus' analysis, SBFC Finance stock appears to be undervalued.
The current stock price of ₹93.95 is trading 32.2% below its estimated GF Value™ of ₹138.59.
GuruFocus considers SBFC Finance to be Possible Value Trap.
Key valuation signals for NSE:SBFC:
Debt-to-EBITDA: 0.00
GF Value™: ₹138.59 vs. price of ₹93.95 (32.2% below fair value)
No single metric tells the full story. See the NSE:SBFC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SBFC Finance Ltd is a systemically important, non-deposit-taking non-banking finance company offering Secured MSME Loans and Loans against Gold, with a majority of its borrowers being entrepreneurs, small business owners, self-employed individuals, salaried and working-class individuals. It has developed a PhyGital model which uses technology and authentic in-person service to create loans that support the ambitions of its customers. The company engages directly with small business owners and works through loan applications together, in person, at the customer's pace. The company generates the majority of its revenue from Interest Income.
84GF Score
Get the complete analysis for NSE:SBFC
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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