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NayaxNYAX +2.35%82 Debt-to-EBITDA is 5.86 as of Mar. 2026, which is 26% above its 10-year median of 4.65. GuruFocus rates NYAX with a GF Score™ of 82/100 and a GF Value™ of $51.48 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,722 Software companies, Nayax ranks worse than 83.68% 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 Nayax's Debt-to-EBITDA or its related term are showing as below:
NYAX'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -1.28 Med: 4.65 Max: 68.73
Current: 4.28
During the past 8 years, the highest Debt-to-EBITDA Ratio of Nayax was 68.73. The lowest was -1.28. And the median was 4.65.
NYAX's Debt-to-EBITDA is ranked worse than 83.68% of 1722
companies
in the Software industry
Industry Median: 1.08
vs NYAX: 4.28
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.
Nayax Debt-to-EBITDA Related Terms
Nayax Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Nayax'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.
NYAX vs MSFT, ORCL, PLTR: Debt-to-EBITDA Comparison
For the Software - Infrastructure subindustry, Nayax'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.
Nayax Debt-to-EBITDA vs Software Industry
For the Software industry and Technology sector, Nayax's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Nayax'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.
Nayax (NYAX) has a Debt-to-EBITDA of 5.86 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 Nayax. This is 26% above median its historical median of 4.65. According to the industry distribution chart, Nayax ranks #1441 out of 1722 companies in the Software industry, placing it in the top 83.7%.
Is Nayax's Debt-to-EBITDA too high?
Nayax's current Debt-to-EBITDA of 5.86 is 26% above median its 10-year median of 4.65. The Software industry median Debt-to-EBITDA is 1.08. Nayax's value of 5.86 is 442.6% above this industry median. Based on the distribution chart, Nayax ranks #1441 out of 1722 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Nayax has a GF Score™ of 82/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Nayax's Debt-to-EBITDA compare to MSFT and ORCL?
According to the Software industry distribution chart, Nayax ranks #1441 out of 1722 companies for Debt-to-EBITDA. This places Nayax in the lower half of its industry. The industry median Debt-to-EBITDA is 1.08. Nayax's value of 5.86 is 442.6% above this benchmark. While the company's 10-year median is 4.65 vs. the industry median of 1.08, Nayax 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 1.08, based on 1,722 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. Nayax's current Debt-to-EBITDA of 5.86 is 442.6% 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 Nayax. For the Software industry, the median Debt-to-EBITDA is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Nayax's current Debt-to-EBITDA is 5.86, which is 26% above median its own 10-year median of 4.65. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nayax stock overvalued right now?
Based on GuruFocus' analysis, Nayax (NYAX) is currently considered Significantly Overvalued. The stock's GF Value™ is $51.48, compared to a current price of $69.62 — trading 35.2% above its estimated fair value. The current Debt-to-EBITDA is 5.86, which is 26% above median its 10-year median of 4.65 and 442.6% above the Software industry median of 1.08. Nayax's overall GF Score™ is 82/100 with 8 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 Nayax (NYAX), the current Debt-to-EBITDA is 5.86 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 Nayax (NYAX) Overvalued in 2026?
Based on GuruFocus' analysis, Nayax stock appears to be overvalued.
The current stock price of $69.62 is trading 35.2% above its estimated GF Value™ of $51.48.
GuruFocus considers Nayax to be Significantly Overvalued.
Key valuation signals for NYAX:
Debt-to-EBITDA: 5.86 (26% above median its 10-year median of 4.65)
GF Value™: $51.48 vs. price of $69.62 (35.2% above fair value)
Industry Position: 442.6% above the Software median (#1441 of 1722)
No single metric tells the full story. See the NYAX stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Nayax Ltd is an end-to-end retail technology platform for unattended commerce. It unifies payments, operations management, and customer engagement tools into a powerful, adaptable platform for modern commerce. It provides solutions that empower businesses to enhance customer experience, accept cashless payments, and manage their operations with a robust Internet of Things (IoT) software platform, helping achieve long-term growth. The company addresses a broad range of retail verticals, including all types of vending machines, coffee machines, unattended checkout counters, self-service kiosks, ticketing machines, car wash stations, gaming machines, amusement rides, laundromats, EV charging stations, and many more.
82GF Score
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