RFA FinancialRFAFF 31 Debt-to-EBITDA is 18.93 as of Mar. 2026, which is 65% above its 10-year median of 11.45. GuruFocus rates RFAFF with a GF Score™ of 31/100 and a GF Value™ of $11.79 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 585 REITs companies, RFA Financial ranks worse than 170940% 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 RFA Financial's Debt-to-EBITDA or its related term are showing as below:
RFAFF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -11.06 Med: 11.45 Max: 22.72
Current: -10.66
During the past 13 years, the highest Debt-to-EBITDA Ratio of RFA Financial was 22.72. The lowest was -11.06. And the median was 11.45.
RFAFF's Debt-to-EBITDA is ranked worse than 100% of 585
companies
in the REITs industry
Industry Median: 6.5
vs RFAFF: -10.66
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.
RFA Financial Debt-to-EBITDA Related Terms
RFA Financial Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for RFA Financial'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.
RFAFF vs VICI, WPC, BNL: Debt-to-EBITDA Comparison
For the REIT - Diversified subindustry, RFA Financial'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.
RFA Financial Debt-to-EBITDA vs REITs Industry
For the REITs industry and Real Estate sector, RFA Financial's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where RFA Financial'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.
RFA Financial (RFAFF) has a Debt-to-EBITDA of 18.93 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 RFA Financial. This is 65% above median its historical median of 11.45. According to the industry distribution chart, RFA Financial ranks #999999 out of 585 companies in the REITs industry.
Is RFA Financial's Debt-to-EBITDA too high?
RFA Financial's current Debt-to-EBITDA of 18.93 is 65% above median its 10-year median of 11.45. The REITs industry median Debt-to-EBITDA is 6.50. RFA Financial's value of 18.93 is 191.2% above this industry median. Based on the distribution chart, RFA Financial ranks #999999 out of 585 companies in the REITs industry, which is in the bottom quartile relative to peers. Overall, RFA Financial has a GF Score™ of 31/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does RFA Financial's Debt-to-EBITDA compare to VICI and WPC?
According to the REITs industry distribution chart, RFA Financial ranks #999999 out of 585 companies for Debt-to-EBITDA. This places RFA Financial in the lower half of its industry. The industry median Debt-to-EBITDA is 6.50. RFA Financial's value of 18.93 is 191.2% above this benchmark. While the company's 10-year median is 11.45 vs. the industry median of 6.50, RFA Financial 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 REITs company?
The median Debt-to-EBITDA among REITs companies is 6.50, based on 585 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. RFA Financial's current Debt-to-EBITDA of 18.93 is 191.2% 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 RFA Financial. For the REITs industry, the median Debt-to-EBITDA is 6.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. RFA Financial's current Debt-to-EBITDA is 18.93, which is 65% above median its own 10-year median of 11.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is RFA Financial stock overvalued right now?
Based on GuruFocus' analysis, RFA Financial (RFAFF) is currently considered Significantly Overvalued. The stock's GF Value™ is $11.79, compared to a current price of $18.43 — trading 56.3% above its estimated fair value. The current Debt-to-EBITDA is 18.93, which is 65% above median its 10-year median of 11.45 and 191.2% above the REITs industry median of 6.50. RFA Financial's overall GF Score™ is 31/100 with 7 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 RFA Financial (RFAFF), the current Debt-to-EBITDA is 18.93 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 RFA Financial (RFAFF) Overvalued in 2026?
Based on GuruFocus' analysis, RFA Financial stock appears to be overvalued.
The current stock price of $18.43 is trading 56.3% above its estimated GF Value™ of $11.79.
GuruFocus considers RFA Financial to be Significantly Overvalued.
Key valuation signals for RFAFF:
Debt-to-EBITDA: 18.93 (65% above median its 10-year median of 11.45)
GF Value™: $11.79 vs. price of $18.43 (56.3% above fair value)
Industry Position: 191.2% above the REITs median (#999999 of 585)
No single metric tells the full story. See the RFAFF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
RFA Financial Inc is a scaled and dynamic financial service platform positioned as an intersection of banking, mortgage, origination, and real estate. It aims to deliver long-term value through an integrated approach to banking and mortgage lending, with a focus on competitive, consumer-focused financial products.
31GF Score
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