Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
PayPointPYPTF 88 Debt-to-EBITDA is 1.39 as of Mar. 2026, which is 17% below its 10-year median of 1.68. GuruFocus rates PYPTF with a GF Score™ of 88/100 and a GF Value™ of $9.63 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 1,720 Software companies, PayPoint ranks worse than 59.88% 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 PayPoint's Debt-to-EBITDA or its related term are showing as below:
PYPTF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.85 Med: 1.68 Max: 2.81
Current: 1.65
During the past 13 years, the highest Debt-to-EBITDA Ratio of PayPoint was 2.81. The lowest was 0.85. And the median was 1.68.
PYPTF's Debt-to-EBITDA is ranked worse than 59.88% of 1720
companies
in the Software industry
Industry Median: 1.085
vs PYPTF: 1.65
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.
PayPoint Debt-to-EBITDA Related Terms
PayPoint Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for PayPoint'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.
PYPTF vs MSFT, ORCL, PLTR: Debt-to-EBITDA Comparison
For the Software - Infrastructure subindustry, PayPoint'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.
PayPoint Debt-to-EBITDA vs Software Industry
For the Software industry and Technology sector, PayPoint's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where PayPoint'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 (Mar. 2026) EBITDA data.
PayPoint (PYPTF) has a Debt-to-EBITDA of 1.39 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 PayPoint. This is 17% below median its historical median of 1.68. Over the past decade, PayPoint's Debt-to-EBITDA has ranged from 0.85 to 2.81. According to the industry distribution chart, PayPoint ranks #1030 out of 1720 companies in the Software industry, placing it in the top 59.9%.
Is PayPoint's Debt-to-EBITDA too high?
PayPoint's current Debt-to-EBITDA of 1.39 is 17% below median its 10-year median of 1.68. Over the past 10 years, this metric has ranged from a low of 0.85 to a high of 2.81. The Software industry median Debt-to-EBITDA is 1.09. PayPoint's value of 1.39 is 28.1% above this industry median. Based on the distribution chart, PayPoint ranks #1030 out of 1720 companies in the Software industry, which is below the industry midpoint. Overall, PayPoint has a GF Score™ of 88/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PayPoint's Debt-to-EBITDA compare to MSFT and ORCL?
According to the Software industry distribution chart, PayPoint ranks #1030 out of 1720 companies for Debt-to-EBITDA. This places PayPoint in the lower half of its industry. The industry median Debt-to-EBITDA is 1.09. PayPoint's value of 1.39 is 28.1% above this benchmark. Historically, PayPoint's own Debt-to-EBITDA has ranged from 0.85 to 2.81 over the past decade. While the company's 10-year median is 1.68 vs. the industry median of 1.09, PayPoint 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 1.09, based on 1,720 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. PayPoint's current Debt-to-EBITDA of 1.39 is 28.1% 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 PayPoint. 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. PayPoint's current Debt-to-EBITDA is 1.39, which is 17% below median its own 10-year median of 1.68. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PayPoint stock overvalued right now?
Based on GuruFocus' analysis, PayPoint (PYPTF) is currently considered Modestly Undervalued. The stock's GF Value™ is $9.63, compared to a current price of $7.50 — trading 22.1% below its estimated fair value. The current Debt-to-EBITDA is 1.39, which is 17% below median its 10-year median of 1.68 and 28.1% above the Software industry median of 1.09. PayPoint's overall GF Score™ is 88/100 with 4 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 PayPoint (PYPTF), the current Debt-to-EBITDA is 1.39 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 PayPoint (PYPTF) Overvalued in 2026?
Based on GuruFocus' analysis, PayPoint stock appears to be undervalued.
The current stock price of $7.50 is trading 22.1% below its estimated GF Value™ of $9.63.
GuruFocus considers PayPoint to be Modestly Undervalued.
Key valuation signals for PYPTF:
Debt-to-EBITDA: 1.39 (17% below median its 10-year median of 1.68)
GF Value™: $9.63 vs. price of $7.50 (22.1% below fair value)
Industry Position: 28.1% above the Software median (#1030 of 1720)
No single metric tells the full story. See the PYPTF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PayPoint PLC is a United Kingdom-based company that provides consumer transaction services. The company's solutions help clients control household finances, essential payments, and in-store services. The company's operations involve processing high-volume transactions, managing retailers and clients, selling funds, and transmitting data. PayPoint's network covers convenience stores and numerous outlets, where clients can use the company's solutions to make energy meter prepayments, bill payments, benefit payments, mobile phone top-ups, cash withdrawals, and other services. Its operating segments are; PayPoint which derives key revenue, and Love2shop. The company generates the majority of its revenue from the UK.
88GF Score
Get the complete analysis for PYPTF
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PYPTF has been successfully added to your 
