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Eleving GroupORSE:ELEVR -0.30%40 Debt-to-EBITDA is 2.99 as of Mar. 2026, which is 27% below its 10-year median of 4.10. GuruFocus rates ORSE:ELEVR with a GF Score™ of 40/100. The stock has 3 warning signs investors should review. Among 284 Credit Services companies, Eleving Group ranks better than 66.2% 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 Eleving Group's Debt-to-EBITDA or its related term are showing as below:
ORSE:ELEVR'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 3.65 Med: 4.1 Max: 5.14
Current: 4.67
During the past 5 years, the highest Debt-to-EBITDA Ratio of Eleving Group was 5.14. The lowest was 3.65. And the median was 4.10.
ORSE:ELEVR's Debt-to-EBITDA is ranked better than 66.2% of 284
companies
in the Credit Services industry
Industry Median: 9.325
vs ORSE:ELEVR: 4.67
Eleving Group (ORSE:ELEVR) Debt-to-EBITDA Explanation
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.
Eleving Group Debt-to-EBITDA Related Terms
Eleving Group Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Eleving Group'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.
ORSE:ELEVR vs V, MA, AXP: Debt-to-EBITDA Comparison
For the Credit Services subindustry, Eleving Group'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.
Eleving Group Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Eleving Group's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Eleving Group'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.
Eleving Group (ORSE:ELEVR) has a Debt-to-EBITDA of 2.99 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 Eleving Group. This is 27% below median its historical median of 4.10. Over the past decade, Eleving Group's Debt-to-EBITDA has ranged from 3.65 to 5.14. According to the industry distribution chart, Eleving Group ranks #96 out of 284 companies in the Credit Services industry, placing it in the top 33.8%.
Is Eleving Group's Debt-to-EBITDA too high?
Eleving Group's current Debt-to-EBITDA of 2.99 is 27% below median its 10-year median of 4.10. Over the past 10 years, this metric has ranged from a low of 3.65 to a high of 5.14. The Credit Services industry median Debt-to-EBITDA is 9.33. Eleving Group's value of 2.99 is 67.9% below this industry median. Based on the distribution chart, Eleving Group ranks #96 out of 284 companies in the Credit Services industry, which is above the industry midpoint. Overall, Eleving Group has a GF Score™ of 40/100, reflecting its overall financial health beyond just this single metric.
How does Eleving Group's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Eleving Group ranks #96 out of 284 companies for Debt-to-EBITDA. This puts Eleving Group in the upper half of its industry. The industry median Debt-to-EBITDA is 9.33. Eleving Group's value of 2.99 is 67.9% below this benchmark. Historically, Eleving Group's own Debt-to-EBITDA has ranged from 3.65 to 5.14 over the past decade. While the company's 10-year median is 4.10 vs. the industry median of 9.33, Eleving Group has consistently been below 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 Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 9.33, based on 284 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. Eleving Group's current Debt-to-EBITDA of 2.99 is 67.9% below 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 Eleving Group. For the Credit Services industry, the median Debt-to-EBITDA is 9.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Eleving Group's current Debt-to-EBITDA is 2.99, which is 27% below median its own 10-year median of 4.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Eleving Group stock overvalued right now?
Eleving Group (ORSE:ELEVR) has a current Debt-to-EBITDA of 2.99. The current Debt-to-EBITDA is 2.99, which is 27% below median its 10-year median of 4.10 and 67.9% below the Credit Services industry median of 9.33. Eleving Group's overall GF Score™ is 40/100 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 Eleving Group (ORSE:ELEVR), the current Debt-to-EBITDA is 2.99 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.
Eleving Group SA is a fintech company providing vehicle, device, and consumer lending solutions across both emerging and developed markets. The Group operates two core business lines: vehicle & device finance, offering car and motorcycle loans, car rent-to-own solutions, and smartphone financing, and consumer finance, which includes single-payment, instalment, and long-term unsecured loans. It has presence in around 17 markets across three continents, the Group focuses on expanding access to financial services, supporting financial inclusion, and promoting upward social mobility in underserved communities world-wide.
40GF Score
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