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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 Turtlemint Fintech Solutions's Debt-to-EBITDA or its related term are showing as below:
NSE:TURTLEMINT'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -0.16 Med: -0.13 Max: -0.1
Current: -0.16
During the past 3 years, the highest Debt-to-EBITDA Ratio of Turtlemint Fintech Solutions was -0.10. The lowest was -0.16. And the median was -0.13.
NSE:TURTLEMINT's Debt-to-EBITDA is ranked worse than 100% of 315
companies
in the Insurance industry
Industry Median: 1.24
vs NSE:TURTLEMINT: -0.16
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.
Turtlemint Fintech Solutions Debt-to-EBITDA Related Terms
Turtlemint Fintech Solutions 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.
Turtlemint Fintech Solutions Debt-to-EBITDA Chart
Turtlemint Fintech Solutions Annual Data
Trend
Mar23
Mar24
Mar25
Debt-to-EBITDA
-0.10
-0.13
-0.16
Turtlemint Fintech Solutions Semi-Annual Data
Mar23
Mar24
Mar25
Debt-to-EBITDA
-0.10
-0.13
-0.16
NSE:TURTLEMINT vs MRSH, AON, AJG: Debt-to-EBITDA Comparison
For the Insurance Brokers subindustry, Turtlemint Fintech Solutions'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.
Turtlemint Fintech Solutions Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Turtlemint Fintech Solutions's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Turtlemint Fintech Solutions'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 one times the quarterly (Mar. 2025) EBITDA data.
Turtlemint Fintech Solutions (NSE:TURTLEMINT) has a Debt-to-EBITDA of -0.16 as of Mar. 2025. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Turtlemint Fintech Solutions. According to the industry distribution chart, Turtlemint Fintech Solutions ranks #999999 out of 315 companies in the Insurance industry.
Is Turtlemint Fintech Solutions' Debt-to-EBITDA too high?
Turtlemint Fintech Solutions' current Debt-to-EBITDA is -0.16. Based on the distribution chart, Turtlemint Fintech Solutions ranks #999999 out of 315 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Turtlemint Fintech Solutions has a GF Score™ of 12/100, reflecting its overall financial health beyond just this single metric.
How does Turtlemint Fintech Solutions' Debt-to-EBITDA compare to MRSH and AON?
According to the Insurance industry distribution chart, Turtlemint Fintech Solutions ranks #999999 out of 315 companies for Debt-to-EBITDA. This places Turtlemint Fintech Solutions in the lower half of its industry. The industry median Debt-to-EBITDA is 1.24. 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 an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.24, based on 315 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 Turtlemint Fintech Solutions. For the Insurance industry, the median Debt-to-EBITDA is 1.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Turtlemint Fintech Solutions's current Debt-to-EBITDA is -0.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Turtlemint Fintech Solutions stock overvalued right now?
Turtlemint Fintech Solutions (NSE:TURTLEMINT) has a current Debt-to-EBITDA of -0.16. The current Debt-to-EBITDA is -0.16. Turtlemint Fintech Solutions' overall GF Score™ is 12/100 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 Turtlemint Fintech Solutions (NSE:TURTLEMINT), the current Debt-to-EBITDA is -0.16 as of Mar. 2025. 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.
Turtlemint Fintech Solutions Ltd is engaged in the business of providing information technology and business support services, advertising and marketing services and distribution of mutual funds. It also provides insurance broking services for retail insurance products such as motor, health, and life insurance. The company owns the TurtlemintPro application, which is used to facilitate the promotion of its services. It derives the majority of its revenue from general insurance companies, arising from the sale of motor insurance products.
12GF Score
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