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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 Automotive Finco's Debt-to-EBITDA or its related term are showing as below:
During the past 13 years, the highest Debt-to-EBITDA Ratio of Automotive Finco was 3.82. The lowest was 0.00. And the median was 3.82.
RMIAF's Debt-to-EBITDA is not ranked *
in the Credit Services industry.
Industry Median: 9.3 * Ranked among companies with meaningful Debt-to-EBITDA only.
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.
Automotive Finco Debt-to-EBITDA Related Terms
Automotive Finco Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Automotive Finco'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, Automotive Finco'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.
Automotive Finco Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Automotive Finco's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Automotive Finco'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.
Automotive Finco (RMIAF) has a Debt-to-EBITDA of 0.00 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 Automotive Finco. According to the industry distribution chart, Automotive Finco ranks #999999 out of 284 companies in the Credit Services industry.
Is Automotive Finco's Debt-to-EBITDA too high?
Automotive Finco's current Debt-to-EBITDA is 0.00. Based on the distribution chart, Automotive Finco ranks #999999 out of 284 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Automotive Finco has a GF Score™ of 45/100, reflecting its overall financial health beyond just this single metric.
How does Automotive Finco's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Automotive Finco ranks #999999 out of 284 companies for Debt-to-EBITDA. This places Automotive Finco in the lower half of its industry. The industry median Debt-to-EBITDA is 9.30. 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. 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 Automotive Finco. 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. Automotive Finco's current Debt-to-EBITDA is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Automotive Finco stock overvalued right now?
Automotive Finco (RMIAF) has a current Debt-to-EBITDA of 0.00. The stock's GF Value™ is $0.01, compared to a current price of $0.01 — trading 11% above its estimated fair value. The current Debt-to-EBITDA is 0.00. Automotive Finco's overall GF Score™ is 45/100 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 Automotive Finco (RMIAF), the current Debt-to-EBITDA is 0.00 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 Automotive Finco (RMIAF) Overvalued in 2026?
Based on GuruFocus' analysis, Automotive Finco stock appears to be overvalued.
The current stock price of $0.01 is trading 11% above its estimated GF Value™ of $0.01.
Key valuation signals for RMIAF:
Debt-to-EBITDA: 0.00
GF Value™: $0.01 vs. price of $0.01 (11% above fair value)
No single metric tells the full story. See the RMIAF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Automotive Finco Corp p is a finance company focused exclusively on the auto retail sector. The company also pursues other direct investments and financing opportunities across the auto retail sector. Through its investment in Automotive Finance LP, it is engaged in the business of lending and administering investment funds. The company has only one operating segment: Investment issuer focused on providing debt financing and making other investments in the auto retail sector.
45GF Score
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Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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