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Sunny Loan Top CoSHSE:600830 -0.74%72 Debt-to-EBITDA is 18.92 as of Mar. 2026, which is 166% above its 10-year median of 7.10. GuruFocus rates SHSE:600830 with a GF Score™ of 72/100 and a GF Value™ of ¥11.99 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 833 Business Services companies, Sunny Loan Top Co ranks worse than 97.96% 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 Sunny Loan Top Co's Debt-to-EBITDA or its related term are showing as below:
SHSE:600830'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 2 Med: 7.1 Max: 21.9
Current: 21.9
During the past 13 years, the highest Debt-to-EBITDA Ratio of Sunny Loan Top Co was 21.90. The lowest was 2.00. And the median was 7.10.
SHSE:600830's Debt-to-EBITDA is ranked worse than 97.96% of 833
companies
in the Business Services industry
Industry Median: 1.63
vs SHSE:600830: 21.90
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.
Sunny Loan Top Co Debt-to-EBITDA Related Terms
Sunny Loan Top Co Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Sunny Loan Top 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.
SHSE:600830 vs CTAS, CPRT, GPN: Debt-to-EBITDA Comparison
For the Specialty Business Services subindustry, Sunny Loan Top 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.
Sunny Loan Top Co Debt-to-EBITDA vs Business Services Industry
For the Business Services industry and Industrials sector, Sunny Loan Top Co's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Sunny Loan Top 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 (Mar. 2026) EBITDA data.
Sunny Loan Top Co (SHSE:600830) has a Debt-to-EBITDA of 18.92 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 Sunny Loan Top Co. This is 166% above median its historical median of 7.10. Over the past decade, Sunny Loan Top Co's Debt-to-EBITDA has ranged from 2.00 to 21.90. According to the industry distribution chart, Sunny Loan Top Co ranks #816 out of 833 companies in the Business Services industry, placing it in the top 98%.
Is Sunny Loan Top Co's Debt-to-EBITDA too high?
Sunny Loan Top Co's current Debt-to-EBITDA of 18.92 is 166% above median its 10-year median of 7.10. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 21.90. The Business Services industry median Debt-to-EBITDA is 1.63. Sunny Loan Top Co's value of 18.92 is 1060.7% above this industry median. Based on the distribution chart, Sunny Loan Top Co ranks #816 out of 833 companies in the Business Services industry, which is in the bottom quartile relative to peers. Overall, Sunny Loan Top Co has a GF Score™ of 72/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Sunny Loan Top Co's Debt-to-EBITDA compare to CTAS and CPRT?
According to the Business Services industry distribution chart, Sunny Loan Top Co ranks #816 out of 833 companies for Debt-to-EBITDA. This places Sunny Loan Top Co in the lower half of its industry. The industry median Debt-to-EBITDA is 1.63. Sunny Loan Top Co's value of 18.92 is 1060.7% above this benchmark. Historically, Sunny Loan Top Co's own Debt-to-EBITDA has ranged from 2.00 to 21.90 over the past decade. While the company's 10-year median is 7.10 vs. the industry median of 1.63, Sunny Loan Top 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 Business Services company?
The median Debt-to-EBITDA among Business Services companies is 1.63, based on 833 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. Sunny Loan Top Co's current Debt-to-EBITDA of 18.92 is 1060.7% 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 Sunny Loan Top Co. For the Business Services industry, the median Debt-to-EBITDA is 1.63 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sunny Loan Top Co's current Debt-to-EBITDA is 18.92, which is 166% above median its own 10-year median of 7.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sunny Loan Top Co stock overvalued right now?
Based on GuruFocus' analysis, Sunny Loan Top Co (SHSE:600830) is currently considered Possible Value Trap. The stock's GF Value™ is ¥11.99, compared to a current price of ¥8.05 — trading 32.9% below its estimated fair value. The current Debt-to-EBITDA is 18.92, which is 166% above median its 10-year median of 7.10 and 1060.7% above the Business Services industry median of 1.63. Sunny Loan Top Co's overall GF Score™ is 72/100 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 Sunny Loan Top Co (SHSE:600830), the current Debt-to-EBITDA is 18.92 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 Sunny Loan Top Co (SHSE:600830) Overvalued in 2026?
Based on GuruFocus' analysis, Sunny Loan Top Co stock appears to be undervalued.
The current stock price of ¥8.05 is trading 32.9% below its estimated GF Value™ of ¥11.99.
GuruFocus considers Sunny Loan Top Co to be Possible Value Trap.
Key valuation signals for SHSE:600830:
Debt-to-EBITDA: 18.92 (166% above median its 10-year median of 7.10)
GF Value™: ¥11.99 vs. price of ¥8.05 (32.9% below fair value)
Industry Position: 1060.7% above the Business Services median (#816 of 833)
No single metric tells the full story. See the SHSE:600830 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sunny Loan Top Co Ltd is a China-based company engaged in the commodities distribution and pawn businesses, provision of guaranty and leasing services, entrusted loan services, as well as commercial trading and property development businesses.
72GF Score
Get the complete analysis for SHSE:600830
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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