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SunCar Technology GroupSDA +7.68%57 Debt-to-EBITDA is 4.36 as of Mar. 2026, which is 279% above its 10-year median of 1.15. GuruFocus rates SDA with a GF Score™ of 57/100 and a GF Value™ of $8.78 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 1,099 Vehicles & Parts companies, SunCar Technology Group ranks worse than 80.35% 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 SunCar Technology Group's Debt-to-EBITDA or its related term are showing as below:
SDA'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -56.88 Med: 1.15 Max: 9.21
Current: 5.62
During the past 6 years, the highest Debt-to-EBITDA Ratio of SunCar Technology Group was 9.21. The lowest was -56.88. And the median was 1.15.
SDA's Debt-to-EBITDA is ranked worse than 80.35% of 1099
companies
in the Vehicles & Parts industry
Industry Median: 2.26
vs SDA: 5.62
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.
SunCar Technology Group Debt-to-EBITDA Related Terms
SunCar Technology Group Debt-to-EBITDA Historical Data
* 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 Auto & Truck Dealerships subindustry, SunCar Technology Group'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.
SunCar Technology Group Debt-to-EBITDA vs Vehicles & Parts Industry
For the Vehicles & Parts industry and Consumer Cyclical sector, SunCar Technology Group's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where SunCar Technology Group'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.
SunCar Technology Group (SDA) has a Debt-to-EBITDA of 4.36 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 SunCar Technology Group. This is 279% above median its historical median of 1.15. According to the industry distribution chart, SunCar Technology Group ranks #883 out of 1099 companies in the Vehicles & Parts industry, placing it in the top 80.3%.
Is SunCar Technology Group's Debt-to-EBITDA too high?
SunCar Technology Group's current Debt-to-EBITDA of 4.36 is 279% above median its 10-year median of 1.15. The Vehicles & Parts industry median Debt-to-EBITDA is 2.26. SunCar Technology Group's value of 4.36 is 92.9% above this industry median. Based on the distribution chart, SunCar Technology Group ranks #883 out of 1099 companies in the Vehicles & Parts industry, which is in the bottom quartile relative to peers. Overall, SunCar Technology Group has a GF Score™ of 57/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does SunCar Technology Group's Debt-to-EBITDA compare to NXB and CRMT?
According to the Vehicles & Parts industry distribution chart, SunCar Technology Group ranks #883 out of 1099 companies for Debt-to-EBITDA. This places SunCar Technology Group in the lower half of its industry. The industry median Debt-to-EBITDA is 2.26. SunCar Technology Group's value of 4.36 is 92.9% above this benchmark. While the company's 10-year median is 1.15 vs. the industry median of 2.26, SunCar Technology Group 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 Vehicles & Parts company?
The median Debt-to-EBITDA among Vehicles & Parts companies is 2.26, based on 1,099 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. SunCar Technology Group's current Debt-to-EBITDA of 4.36 is 92.9% 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 SunCar Technology Group. For the Vehicles & Parts industry, the median Debt-to-EBITDA is 2.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SunCar Technology Group's current Debt-to-EBITDA is 4.36, which is 279% above median its own 10-year median of 1.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SunCar Technology Group stock overvalued right now?
Based on GuruFocus' analysis, SunCar Technology Group (SDA) is currently considered Possible Value Trap. The stock's GF Value™ is $8.78, compared to a current price of $0.85 — trading 90.3% below its estimated fair value. The current Debt-to-EBITDA is 4.36, which is 279% above median its 10-year median of 1.15 and 92.9% above the Vehicles & Parts industry median of 2.26. SunCar Technology Group's overall GF Score™ is 57/100 with 3 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 SunCar Technology Group (SDA), the current Debt-to-EBITDA is 4.36 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 SunCar Technology Group (SDA) Overvalued in 2026?
Based on GuruFocus' analysis, SunCar Technology Group stock appears to be undervalued.
The current stock price of $0.85 is trading 90.3% below its estimated GF Value™ of $8.78.
GuruFocus considers SunCar Technology Group to be Possible Value Trap.
Key valuation signals for SDA:
Debt-to-EBITDA: 4.36 (279% above median its 10-year median of 1.15)
GF Value™: $8.78 vs. price of $0.85 (90.3% below fair value)
Industry Position: 92.9% above the Vehicles & Parts median (#883 of 1099)
No single metric tells the full story. See the SDA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SunCar Technology Group Inc operates digital automotive aftersales market service platform and vehicle insurance technology platform. It develops and operates online platforms that connect drivers in China with a range of aftermarket automotive services and insurance coverage options from a nationwide network of service providers. These comprehensive digital systems are built on SunCar's multi-tenant, cloud-based platform. Revenues from its continuing operations are mainly generated from providing auto eInsurance services, technology services, and auto services.
57GF Score
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