Service InternationalSCI +1.10%84 Debt-to-EBITDA is 3.93 as of Mar. 2026, which is 0% above its 10-year median of 3.92. GuruFocus rates SCI with a GF Score™ of 84/100 and a GF Value™ of $83.68 (Fairly Valued). The stock has 5 warning signs investors should review. Among 71 Personal Services companies, Service International ranks worse than 66.2% 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 Service International's Debt-to-EBITDA or its related term are showing as below:
SCI'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 2.76 Med: 3.92 Max: 4.51
Current: 3.92
During the past 13 years, the highest Debt-to-EBITDA Ratio of Service International was 4.51. The lowest was 2.76. And the median was 3.92.
SCI's Debt-to-EBITDA is ranked worse than 66.2% of 71
companies
in the Personal Services industry
Industry Median: 2.29
vs SCI: 3.92
Service International (NYSE:SCI) 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.
Service International Debt-to-EBITDA Related Terms
Service International Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Service International'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 Personal Services subindustry, Service International'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.
Service International Debt-to-EBITDA vs Personal Services Industry
For the Personal Services industry and Consumer Cyclical sector, Service International's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Service International'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.
Service International (SCI) has a Debt-to-EBITDA of 3.93 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 Service International. This is near median its historical median of 3.92. Over the past decade, Service International's Debt-to-EBITDA has ranged from 2.76 to 4.51. According to the industry distribution chart, Service International ranks #47 out of 71 companies in the Personal Services industry, placing it in the top 66.2%.
Is Service International's Debt-to-EBITDA too high?
Service International's current Debt-to-EBITDA of 3.93 is near median its 10-year median of 3.92. Over the past 10 years, this metric has ranged from a low of 2.76 to a high of 4.51. The Personal Services industry median Debt-to-EBITDA is 2.29. Service International's value of 3.93 is 71.6% above this industry median. Based on the distribution chart, Service International ranks #47 out of 71 companies in the Personal Services industry, which is below the industry midpoint. Overall, Service International has a GF Score™ of 84/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Service International's Debt-to-EBITDA compare to FTDR and HRB?
According to the Personal Services industry distribution chart, Service International ranks #47 out of 71 companies for Debt-to-EBITDA. This places Service International in the lower half of its industry. The industry median Debt-to-EBITDA is 2.29. Service International's value of 3.93 is 71.6% above this benchmark. Historically, Service International's own Debt-to-EBITDA has ranged from 2.76 to 4.51 over the past decade. While the company's 10-year median is 3.92 vs. the industry median of 2.29, Service International 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 Personal Services company?
The median Debt-to-EBITDA among Personal Services companies is 2.29, based on 71 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. Service International's current Debt-to-EBITDA of 3.93 is 71.6% 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 Service International. For the Personal Services industry, the median Debt-to-EBITDA is 2.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Service International's current Debt-to-EBITDA is 3.93, which is near median its own 10-year median of 3.92. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Service International stock overvalued right now?
Based on GuruFocus' analysis, Service International (SCI) is currently considered Fairly Valued. The stock's GF Value™ is $83.68, compared to a current price of $77.47 — trading 7.4% below its estimated fair value. The current Debt-to-EBITDA is 3.93, which is near median its 10-year median of 3.92 and 71.6% above the Personal Services industry median of 2.29. Service International's 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 Service International (SCI), the current Debt-to-EBITDA is 3.93 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 Service International (SCI) Overvalued in 2026?
Based on GuruFocus' analysis, Service International stock appears to be undervalued.
The current stock price of $77.47 is trading 7.4% below its estimated GF Value™ of $83.68.
GuruFocus considers Service International to be Fairly Valued.
Key valuation signals for SCI:
Debt-to-EBITDA: 3.93 (near median its 10-year median of 3.92)
GF Value™: $83.68 vs. price of $77.47 (7.4% below fair value)
Industry Position: 71.6% above the Personal Services median (#47 of 71)
No single metric tells the full story. See the SCI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Service Corp International is a personal services company that provides funeral and cemetery services and products from its locations throughout the United States and Canada. The company segments its operations into funeral service and cemetery business functions. At its funeral service locations, it provides all professional services, facilities, vehicles, and merchandise related to funerals and cremations. Cemetery locations provide cemetery property, memorial markers, and graveyard services to customers. The company derives the majority of its revenue from its funeral services segment. Geographically, the company derives a majority of its revenue from the United States.
84GF Score
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