Real MattersRLLMF 74 Debt-to-EBITDA is 0.14 as of Mar. 2026, which is 1300% above its 10-year median of 0.01. GuruFocus rates RLLMF with a GF Score™ of 74/100 and a GF Value™ of $4.29 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,272 Real Estate companies, Real Matters ranks worse than 78616.27% 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 Real Matters's Debt-to-EBITDA or its related term are showing as below:
RLLMF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -1.01 Med: 0.01 Max: 2.17
Current: -0.56
During the past 12 years, the highest Debt-to-EBITDA Ratio of Real Matters was 2.17. The lowest was -1.01. And the median was 0.01.
RLLMF's Debt-to-EBITDA is ranked worse than 100% of 1272
companies
in the Real Estate industry
Industry Median: 5.615
vs RLLMF: -0.56
Real Matters (OTCPK:RLLMF) 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.
Real Matters Debt-to-EBITDA Related Terms
Real Matters Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Real Matters'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.
RLLMF vs CBRE, BEKE, JLL: Debt-to-EBITDA Comparison
For the Real Estate Services subindustry, Real Matters'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.
Real Matters Debt-to-EBITDA vs Real Estate Industry
For the Real Estate industry and Real Estate sector, Real Matters's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Real Matters'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.
Real Matters (RLLMF) has a Debt-to-EBITDA of 0.14 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 Real Matters. This is 1300% above median its historical median of 0.01. According to the industry distribution chart, Real Matters ranks #999999 out of 1272 companies in the Real Estate industry.
Is Real Matters' Debt-to-EBITDA too high?
Real Matters' current Debt-to-EBITDA of 0.14 is 1300% above median its 10-year median of 0.01. The Real Estate industry median Debt-to-EBITDA is 5.62. Real Matters' value of 0.14 is 97.5% below this industry median. Based on the distribution chart, Real Matters ranks #999999 out of 1272 companies in the Real Estate industry, which is in the bottom quartile relative to peers. Overall, Real Matters has a GF Score™ of 74/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Real Matters' Debt-to-EBITDA compare to CBRE and BEKE?
According to the Real Estate industry distribution chart, Real Matters ranks #999999 out of 1272 companies for Debt-to-EBITDA. This places Real Matters in the lower half of its industry. The industry median Debt-to-EBITDA is 5.62. Real Matters' value of 0.14 is 97.5% below this benchmark. While the company's 10-year median is 0.01 vs. the industry median of 5.62, Real Matters 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 Real Estate company?
The median Debt-to-EBITDA among Real Estate companies is 5.62, based on 1,272 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. Real Matters's current Debt-to-EBITDA of 0.14 is 97.5% 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 Real Matters. For the Real Estate industry, the median Debt-to-EBITDA is 5.62 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Real Matters's current Debt-to-EBITDA is 0.14, which is 1300% above median its own 10-year median of 0.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Real Matters stock overvalued right now?
Based on GuruFocus' analysis, Real Matters (RLLMF) is currently considered Fairly Valued. The stock's GF Value™ is $4.29, compared to a current price of $4.01 — trading 6.5% below its estimated fair value. The current Debt-to-EBITDA is 0.14, which is 1300% above median its 10-year median of 0.01 and 97.5% below the Real Estate industry median of 5.62. Real Matters' overall GF Score™ is 74/100 with 2 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 Real Matters (RLLMF), the current Debt-to-EBITDA is 0.14 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 Real Matters (RLLMF) Overvalued in 2026?
Based on GuruFocus' analysis, Real Matters stock appears to be undervalued.
The current stock price of $4.01 is trading 6.5% below its estimated GF Value™ of $4.29.
GuruFocus considers Real Matters to be Fairly Valued.
Key valuation signals for RLLMF:
Debt-to-EBITDA: 0.14 (1300% above median its 10-year median of 0.01)
GF Value™: $4.29 vs. price of $4.01 (6.5% below fair value)
Industry Position: 97.5% below the Real Estate median (#999999 of 1272)
No single metric tells the full story. See the RLLMF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Real Matters Inc is a Canadian network management services provider for the mortgage lending and insurance industries. The company's platform combines proprietary technology and network management capabilities with tens of thousands of independent qualified field agents. Its operating segment includes U.S. Appraisal; U.S. Title, and Canada. The company generates maximum revenue from the U.S. Appraisal segment. Its U.S. Appraisal segment provides residential mortgage appraisals for purchase, refinance, and home equity transactions through its Solidifi brand.
74GF Score
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