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Ramsdens HoldingsRSDEF 84 Debt-to-EBITDA is 0.49 as of Mar. 2026, which is 58% below its 10-year median of 1.16. GuruFocus rates RSDEF with a GF Score™ of 84/100 and a GF Value™ of $1.47. The stock has 5 warning signs investors should review. Among 901 Retail - Cyclical companies, Ramsdens Holdings ranks better than 86.24% 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 Ramsdens Holdings's Debt-to-EBITDA or its related term are showing as below:
RSDEF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.24 Med: 1.16 Max: 1.91
Current: 0.6
During the past 11 years, the highest Debt-to-EBITDA Ratio of Ramsdens Holdings was 1.91. The lowest was 0.24. And the median was 1.16.
RSDEF's Debt-to-EBITDA is ranked better than 86.24% of 901
companies
in the Retail - Cyclical industry
Industry Median: 2.4
vs RSDEF: 0.60
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.
Ramsdens Holdings Debt-to-EBITDA Related Terms
Ramsdens Holdings Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Ramsdens Holdings'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 Luxury Goods subindustry, Ramsdens Holdings'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.
Ramsdens Holdings Debt-to-EBITDA vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Ramsdens Holdings's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Ramsdens Holdings'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.
Ramsdens Holdings (RSDEF) has a Debt-to-EBITDA of 0.49 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 Ramsdens Holdings. This is 58% below median its historical median of 1.16. Over the past decade, Ramsdens Holdings' Debt-to-EBITDA has ranged from 0.24 to 1.91. According to the industry distribution chart, Ramsdens Holdings ranks #124 out of 901 companies in the Retail - Cyclical industry, placing it in the top 13.8%.
Is Ramsdens Holdings' Debt-to-EBITDA too high?
Ramsdens Holdings' current Debt-to-EBITDA of 0.49 is 58% below median its 10-year median of 1.16. Over the past 10 years, this metric has ranged from a low of 0.24 to a high of 1.91. The Retail - Cyclical industry median Debt-to-EBITDA is 2.40. Ramsdens Holdings' value of 0.49 is 79.6% below this industry median. Based on the distribution chart, Ramsdens Holdings ranks #124 out of 901 companies in the Retail - Cyclical industry, which is in the top quartile — a strong position relative to peers. Overall, Ramsdens Holdings has a GF Score™ of 84/100, reflecting its overall financial health beyond just this single metric.
How does Ramsdens Holdings' Debt-to-EBITDA compare to TPR?
According to the Retail - Cyclical industry distribution chart, Ramsdens Holdings ranks #124 out of 901 companies for Debt-to-EBITDA. This places Ramsdens Holdings in the top 14% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 2.40. Ramsdens Holdings' value of 0.49 is 79.6% below this benchmark. Historically, Ramsdens Holdings' own Debt-to-EBITDA has ranged from 0.24 to 1.91 over the past decade. While the company's 10-year median is 1.16 vs. the industry median of 2.40, Ramsdens Holdings 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 Retail - Cyclical company?
The median Debt-to-EBITDA among Retail - Cyclical companies is 2.40, based on 901 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. Ramsdens Holdings's current Debt-to-EBITDA of 0.49 is 79.6% 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 Ramsdens Holdings. For the Retail - Cyclical industry, the median Debt-to-EBITDA is 2.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ramsdens Holdings's current Debt-to-EBITDA is 0.49, which is 58% below median its own 10-year median of 1.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ramsdens Holdings stock overvalued right now?
Ramsdens Holdings (RSDEF) has a current Debt-to-EBITDA of 0.49. The stock's GF Value™ is $1.47, compared to a current price of $2.39 — trading 62.8% above its estimated fair value. The current Debt-to-EBITDA is 0.49, which is 58% below median its 10-year median of 1.16 and 79.6% below the Retail - Cyclical industry median of 2.40. Ramsdens Holdings' overall GF Score™ is 84/100 with 5 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 Ramsdens Holdings (RSDEF), the current Debt-to-EBITDA is 0.49 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 Ramsdens Holdings (RSDEF) Overvalued in 2026?
Based on GuruFocus' analysis, Ramsdens Holdings stock appears to be overvalued.
The current stock price of $2.39 is trading 62.8% above its estimated GF Value™ of $1.47.
Key valuation signals for RSDEF:
Debt-to-EBITDA: 0.49 (58% below median its 10-year median of 1.16)
GF Value™: $1.47 vs. price of $2.39 (62.8% above fair value)
Industry Position: 79.6% below the Retail - Cyclical median (#124 of 901)
No single metric tells the full story. See the RSDEF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ramsdens Holdings PLC is a diversified financial services provider and retailer operating in the following core segments; the Foreign currency segment which comprises the sale and purchase of foreign currency notes to holidaymakers; the Pawnbroking segment, which involves providing a cash loan in return for jewellery and watches; Purchases of precious metals segment, involves buying unwanted jewellery, gold, and other precious metals from customers for cash; Retail Jewellery segment; and Income from other financial services. Maximum revenue is generated by the Retail Jewellery segment which is engaged in online sales of jewellery products such as rings, necklaces, bracelets, etc. Geographically, it derives a majority of its revenue from the United Kingdom and the rest from other regions.
84GF 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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