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Quara Finance CoSAU:9596 10 Debt-to-EBITDA is 10.95 as of Jun. 2026, which is 61% above its 10-year median of 6.82. GuruFocus rates SAU:9596 with a GF Score™ of 10/100. The stock has 6 warning signs investors should review. Among 282 Credit Services companies, Quara Finance Co ranks worse than 74.11% 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 Quara Finance Co's Debt-to-EBITDA or its related term are showing as below:
SAU:9596'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 4.8 Med: 6.82 Max: 29.28
Current: 19.06
During the past 3 years, the highest Debt-to-EBITDA Ratio of Quara Finance Co was 29.28. The lowest was 4.80. And the median was 6.82.
SAU:9596's Debt-to-EBITDA is ranked worse than 74.11% of 282
companies
in the Credit Services industry
Industry Median: 8.565
vs SAU:9596: 19.06
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.
Quara Finance Co Debt-to-EBITDA Related Terms
Quara Finance Co Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Quara Finance Co'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, Quara Finance Co'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.
Quara Finance Co Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Quara Finance Co's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Quara Finance Co'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 (Jun. 2026) EBITDA data.
Quara Finance Co (SAU:9596) has a Debt-to-EBITDA of 10.95 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Quara Finance Co. This is 61% above median its historical median of 6.82. Over the past decade, Quara Finance Co's Debt-to-EBITDA has ranged from 4.80 to 29.28. According to the industry distribution chart, Quara Finance Co ranks #209 out of 282 companies in the Credit Services industry, placing it in the top 74.1%.
Is Quara Finance Co's Debt-to-EBITDA too high?
Quara Finance Co's current Debt-to-EBITDA of 10.95 is 61% above median its 10-year median of 6.82. Over the past 10 years, this metric has ranged from a low of 4.80 to a high of 29.28. The Credit Services industry median Debt-to-EBITDA is 8.57. Quara Finance Co's value of 10.95 is 27.8% above this industry median. Based on the distribution chart, Quara Finance Co ranks #209 out of 282 companies in the Credit Services industry, which is below the industry midpoint. Overall, Quara Finance Co has a GF Score™ of 10/100, reflecting its overall financial health beyond just this single metric.
How does Quara Finance Co's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Quara Finance Co ranks #209 out of 282 companies for Debt-to-EBITDA. This places Quara Finance Co in the lower half of its industry. The industry median Debt-to-EBITDA is 8.57. Quara Finance Co's value of 10.95 is 27.8% above this benchmark. Historically, Quara Finance Co's own Debt-to-EBITDA has ranged from 4.80 to 29.28 over the past decade. While the company's 10-year median is 6.82 vs. the industry median of 8.57, Quara Finance Co 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 Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 8.57, based on 282 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. Quara Finance Co's current Debt-to-EBITDA of 10.95 is 27.8% 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 Quara Finance Co. For the Credit Services industry, the median Debt-to-EBITDA is 8.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Quara Finance Co's current Debt-to-EBITDA is 10.95, which is 61% above median its own 10-year median of 6.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Quara Finance Co stock overvalued right now?
Quara Finance Co (SAU:9596) has a current Debt-to-EBITDA of 10.95. The current Debt-to-EBITDA is 10.95, which is 61% above median its 10-year median of 6.82 and 27.8% above the Credit Services industry median of 8.57. Quara Finance Co's overall GF Score™ is 10/100 with 6 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 Quara Finance Co (SAU:9596), the current Debt-to-EBITDA is 10.95 as of Jun. 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.
Quara Finance Co is a company engaged in providing finance lease, consumer finance, and small and medium enterprise finance in the Kingdom of Saudi Arabia. The company's operations are in the Kingdom of Saudi Arabia and it provides financing to Saudi and resident individuals from government and private sectors and to SMEs. Its reportable segments are; Retail (Personal financing) segment which includes personal financing provided to retail clients; and SME financing segment includes financing provided to small and medium enterprises. The company generates a majority of its income from the Retail segment.
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