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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 Ugro Capital's Debt-to-EBITDA or its related term are showing as below:
NSE:UGROCAP'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 2.23 Med: 16.23 Max: 60.79
Current: 60.79
During the past 13 years, the highest Debt-to-EBITDA Ratio of Ugro Capital was 60.79. The lowest was 2.23. And the median was 16.23.
NSE:UGROCAP's Debt-to-EBITDA is ranked worse than 95.79% of 285
companies
in the Credit Services industry
Industry Median: 9
vs NSE:UGROCAP: 60.79
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.
Ugro Capital Debt-to-EBITDA Related Terms
Ugro Capital Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Ugro Capital'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:UGROCAP vs V, MA, AXP: Debt-to-EBITDA Comparison
For the Credit Services subindustry, Ugro Capital'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.
Ugro Capital Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Ugro Capital's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Ugro Capital'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 (Mar. 2026) EBITDA data.
Ugro Capital (NSE:UGROCAP) has a Debt-to-EBITDA of -1,359.68 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 Ugro Capital. Over the past decade, Ugro Capital's Debt-to-EBITDA has ranged from 2.23 to 60.79. According to the industry distribution chart, Ugro Capital ranks #273 out of 285 companies in the Credit Services industry, placing it in the top 95.8%.
Is Ugro Capital's Debt-to-EBITDA too high?
Ugro Capital's current Debt-to-EBITDA is -1,359.68. Over the past 10 years, this metric has ranged from a low of 2.23 to a high of 60.79. Based on the distribution chart, Ugro Capital ranks #273 out of 285 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Ugro Capital has a GF Score™ of 71/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Ugro Capital's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Ugro Capital ranks #273 out of 285 companies for Debt-to-EBITDA. This places Ugro Capital in the lower half of its industry. The industry median Debt-to-EBITDA is 9.00. Historically, Ugro Capital's own Debt-to-EBITDA has ranged from 2.23 to 60.79 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 9.00, 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 Ugro Capital. For the Credit Services industry, the median Debt-to-EBITDA is 9.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ugro Capital's current Debt-to-EBITDA is -1,359.68. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ugro Capital stock overvalued right now?
Based on GuruFocus' analysis, Ugro Capital (NSE:UGROCAP) is currently considered Possible Value Trap. The stock's GF Value™ is ₹264.37, compared to a current price of ₹95.08 — trading 64% below its estimated fair value. The current Debt-to-EBITDA is -1,359.68. Ugro Capital's overall GF Score™ is 71/100 with 6 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 Ugro Capital (NSE:UGROCAP), the current Debt-to-EBITDA is -1,359.68 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 Ugro Capital (NSE:UGROCAP) Overvalued in 2026?
Based on GuruFocus' analysis, Ugro Capital stock appears to be undervalued.
The current stock price of ₹95.08 is trading 64% below its estimated GF Value™ of ₹264.37.
GuruFocus considers Ugro Capital to be Possible Value Trap.
Key valuation signals for NSE:UGROCAP:
Debt-to-EBITDA: -1,359.68
GF Value™: ₹264.37 vs. price of ₹95.08 (64% below fair value)
No single metric tells the full story. See the NSE:UGROCAP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ugro Capital Ltd is a india based company, along with its subsidiarires engaged in the business of lending and deals in financing MSME sector with focus on Healthcare, Education, Chemicals, Food Processing/FMCG, Hospitality, Electrical Equipment & Components, Auto Components, and Light Engineering, Enterprise Mortgage Loans, School Funding Program, Machinery and Equipment Financing, Supply Chain Finance, NBFC Onward Lending and operates a fintech platform which forms part of the embedded finance ecosystem. The Group operates in a single segment, i.e., financing. It operates solely in India.
71GF Score
Get the complete analysis for NSE:UGROCAP
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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