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Axactor ASAOSL:ACR -1.02%52 Debt-to-EBITDA is 64.71 as of Mar. 2026, which is 340% above its 10-year median of 14.72. GuruFocus rates OSL:ACR with a GF Score™ of 52/100 and a GF Value™ of kr5.22 (Fairly Valued). The stock has 3 warning signs investors should review. Among 284 Credit Services companies, Axactor ASA ranks worse than 69.37% 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 Axactor ASA's Debt-to-EBITDA or its related term are showing as below:
OSL:ACR'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -121.59 Med: 14.72 Max: 50.79
Current: 17.46
During the past 13 years, the highest Debt-to-EBITDA Ratio of Axactor ASA was 50.79. The lowest was -121.59. And the median was 14.72.
OSL:ACR's Debt-to-EBITDA is ranked worse than 69.37% of 284
companies
in the Credit Services industry
Industry Median: 9.3
vs OSL:ACR: 17.46
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.
Axactor ASA Debt-to-EBITDA Related Terms
Axactor ASA Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Axactor ASA'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, Axactor ASA'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.
Axactor ASA Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Axactor ASA's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Axactor ASA'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.
Axactor ASA (OSL:ACR) has a Debt-to-EBITDA of 64.71 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 Axactor ASA. This is 340% above median its historical median of 14.72. According to the industry distribution chart, Axactor ASA ranks #197 out of 284 companies in the Credit Services industry, placing it in the top 69.4%.
Is Axactor ASA's Debt-to-EBITDA too high?
Axactor ASA's current Debt-to-EBITDA of 64.71 is 340% above median its 10-year median of 14.72. The Credit Services industry median Debt-to-EBITDA is 9.30. Axactor ASA's value of 64.71 is 595.8% above this industry median. Based on the distribution chart, Axactor ASA ranks #197 out of 284 companies in the Credit Services industry, which is below the industry midpoint. Overall, Axactor ASA has a GF Score™ of 52/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Axactor ASA's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Axactor ASA ranks #197 out of 284 companies for Debt-to-EBITDA. This places Axactor ASA in the lower half of its industry. The industry median Debt-to-EBITDA is 9.30. Axactor ASA's value of 64.71 is 595.8% above this benchmark. While the company's 10-year median is 14.72 vs. the industry median of 9.30, Axactor ASA 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 Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 9.30, 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. Axactor ASA's current Debt-to-EBITDA of 64.71 is 595.8% 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 Axactor ASA. For the Credit Services industry, the median Debt-to-EBITDA is 9.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Axactor ASA's current Debt-to-EBITDA is 64.71, which is 340% above median its own 10-year median of 14.72. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Axactor ASA stock overvalued right now?
Based on GuruFocus' analysis, Axactor ASA (OSL:ACR) is currently considered Fairly Valued. The stock's GF Value™ is kr5.22, compared to a current price of kr4.85 — trading 7.1% below its estimated fair value. The current Debt-to-EBITDA is 64.71, which is 340% above median its 10-year median of 14.72 and 595.8% above the Credit Services industry median of 9.30. Axactor ASA's overall GF Score™ is 52/100 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 Axactor ASA (OSL:ACR), the current Debt-to-EBITDA is 64.71 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 Axactor ASA (OSL:ACR) Overvalued in 2026?
Based on GuruFocus' analysis, Axactor ASA stock appears to be undervalued.
The current stock price of kr4.85 is trading 7.1% below its estimated GF Value™ of kr5.22.
GuruFocus considers Axactor ASA to be Fairly Valued.
Key valuation signals for OSL:ACR:
Debt-to-EBITDA: 64.71 (340% above median its 10-year median of 14.72)
GF Value™: kr5.22 vs. price of kr4.85 (7.1% below fair value)
Industry Position: 595.8% above the Credit Services median (#197 of 284)
No single metric tells the full story. See the OSL:ACR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Axactor ASA is a European-based company, investing in non-performing loan portfolios and offering services within debt collection. The company operates in two segments: Non-performing loans (NPL) and Third-party collection (3PC). The NPL segment invests in portfolios of non-performing loans, which are presented as 'Purchased loan portfolios' in the consolidated statement of financial position. The 3PC segment focuses on performing debt collection services on behalf of third-party clients. The group operates in Finland, Germany, Italy, Norway, Spain, and Sweden. The majority of its revenue comes from interest earned on purchased loan portfolios.
52GF Score
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