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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 Loyal Solutions AS's Debt-to-EBITDA or its related term are showing as below:
OSTO:LOYAL'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -4.45 Med: -0.97 Max: 68.42
Current: 68.42
During the past 8 years, the highest Debt-to-EBITDA Ratio of Loyal Solutions AS was 68.42. The lowest was -4.45. And the median was -0.97.
OSTO:LOYAL's Debt-to-EBITDA is ranked worse than 99.13% of 1724
companies
in the Software industry
Industry Median: 1.09
vs OSTO:LOYAL: 68.42
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.
Loyal Solutions AS Debt-to-EBITDA Related Terms
Loyal Solutions AS Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Loyal Solutions AS'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.
OSTO:LOYAL vs QH, SHOP, UBER: Debt-to-EBITDA Comparison
For the Software - Application subindustry, Loyal Solutions AS'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.
Loyal Solutions AS Debt-to-EBITDA vs Software Industry
For the Software industry and Technology sector, Loyal Solutions AS's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Loyal Solutions AS'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 two times the quarterly (Dec. 2025) EBITDA data.
Loyal Solutions AS (OSTO:LOYAL) has a Debt-to-EBITDA of 5.12 as of Dec. 2025. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Loyal Solutions AS. According to the industry distribution chart, Loyal Solutions AS ranks #1709 out of 1724 companies in the Software industry, placing it in the top 99.1%.
Is Loyal Solutions AS's Debt-to-EBITDA too high?
Loyal Solutions AS's current Debt-to-EBITDA is 5.12. The Software industry median Debt-to-EBITDA is 1.09. Loyal Solutions AS's value of 5.12 is 369.7% above this industry median. Based on the distribution chart, Loyal Solutions AS ranks #1709 out of 1724 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Loyal Solutions AS has a GF Score™ of 56/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Loyal Solutions AS's Debt-to-EBITDA compare to QH and SHOP?
According to the Software industry distribution chart, Loyal Solutions AS ranks #1709 out of 1724 companies for Debt-to-EBITDA. This places Loyal Solutions AS in the lower half of its industry. The industry median Debt-to-EBITDA is 1.09. Loyal Solutions AS's value of 5.12 is 369.7% above this benchmark. 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 1.09, based on 1,724 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. Loyal Solutions AS's current Debt-to-EBITDA of 5.12 is 369.7% 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 Loyal Solutions AS. For the Software industry, the median Debt-to-EBITDA is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Loyal Solutions AS's current Debt-to-EBITDA is 5.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Loyal Solutions AS stock overvalued right now?
Based on GuruFocus' analysis, Loyal Solutions AS (OSTO:LOYAL) is currently considered Possible Value Trap. The stock's GF Value™ is kr11.21, compared to a current price of kr7.72 — trading 31.1% below its estimated fair value. The current Debt-to-EBITDA is 5.12 and 369.7% above the Software industry median of 1.09. Loyal Solutions AS's overall GF Score™ is 56/100 with 9 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 Loyal Solutions AS (OSTO:LOYAL), the current Debt-to-EBITDA is 5.12 as of Dec. 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.
Is Loyal Solutions AS (OSTO:LOYAL) Overvalued in 2026?
Based on GuruFocus' analysis, Loyal Solutions AS stock appears to be undervalued.
The current stock price of kr7.72 is trading 31.1% below its estimated GF Value™ of kr11.21.
GuruFocus considers Loyal Solutions AS to be Possible Value Trap.
Key valuation signals for OSTO:LOYAL:
Debt-to-EBITDA: 5.12
GF Value™: kr11.21 vs. price of kr7.72 (31.1% below fair value)
Industry Position: 369.7% above the Software median (#1709 of 1724)
No single metric tells the full story. See the OSTO:LOYAL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Loyal Solutions A/S is a software-as-a-service company. The company is engaged in the development and implementation of bespoke loyalty schemes that enhance customer retention and brand engagement. Their core business revolves around creating loyalty solution platforms that provide customer engagement programs across industries such as airlines, financial services, malls, hospitality, telecom, and media. LoyalTfacts is its proprietary SaaS end-to-end platform.
56GF Score
Get the complete analysis for OSTO:LOYAL
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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