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Solution FinancialSLNFF 41 Debt-to-EBITDA is 3.47 as of Apr. 2026, which is 77% above its 10-year median of 1.96. GuruFocus rates SLNFF with a GF Score™ of 41/100 and a GF Value™ of $0.20 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,096 Vehicles & Parts companies, Solution Financial ranks worse than 67.7% 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 Solution Financial's Debt-to-EBITDA or its related term are showing as below:
SLNFF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.14 Med: 1.96 Max: 26.57
Current: 3.65
During the past 13 years, the highest Debt-to-EBITDA Ratio of Solution Financial was 26.57. The lowest was 1.14. And the median was 1.96.
SLNFF's Debt-to-EBITDA is ranked worse than 67.7% of 1096
companies
in the Vehicles & Parts industry
Industry Median: 2.25
vs SLNFF: 3.65
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.
Solution Financial Debt-to-EBITDA Related Terms
Solution Financial Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Solution Financial'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.
SLNFF vs CVNA, PAG, ALTB: Debt-to-EBITDA Comparison
For the Auto & Truck Dealerships subindustry, Solution Financial'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.
Solution Financial Debt-to-EBITDA vs Vehicles & Parts Industry
For the Vehicles & Parts industry and Consumer Cyclical sector, Solution Financial's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Solution Financial'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 (Apr. 2026) EBITDA data.
Solution Financial (SLNFF) has a Debt-to-EBITDA of 3.47 as of Apr. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Solution Financial. This is 77% above median its historical median of 1.96. Over the past decade, Solution Financial's Debt-to-EBITDA has ranged from 1.14 to 26.57. According to the industry distribution chart, Solution Financial ranks #742 out of 1096 companies in the Vehicles & Parts industry, placing it in the top 67.7%.
Is Solution Financial's Debt-to-EBITDA too high?
Solution Financial's current Debt-to-EBITDA of 3.47 is 77% above median its 10-year median of 1.96. Over the past 10 years, this metric has ranged from a low of 1.14 to a high of 26.57. The Vehicles & Parts industry median Debt-to-EBITDA is 2.25. Solution Financial's value of 3.47 is 54.2% above this industry median. Based on the distribution chart, Solution Financial ranks #742 out of 1096 companies in the Vehicles & Parts industry, which is below the industry midpoint. Overall, Solution Financial has a GF Score™ of 41/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Solution Financial's Debt-to-EBITDA compare to CVNA and PAG?
According to the Vehicles & Parts industry distribution chart, Solution Financial ranks #742 out of 1096 companies for Debt-to-EBITDA. This places Solution Financial in the lower half of its industry. The industry median Debt-to-EBITDA is 2.25. Solution Financial's value of 3.47 is 54.2% above this benchmark. Historically, Solution Financial's own Debt-to-EBITDA has ranged from 1.14 to 26.57 over the past decade. While the company's 10-year median is 1.96 vs. the industry median of 2.25, Solution Financial 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 2.25, based on 1,096 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. Solution Financial's current Debt-to-EBITDA of 3.47 is 54.2% 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 Solution Financial. For the Vehicles & Parts industry, the median Debt-to-EBITDA is 2.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Solution Financial's current Debt-to-EBITDA is 3.47, which is 77% above median its own 10-year median of 1.96. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Solution Financial stock overvalued right now?
Based on GuruFocus' analysis, Solution Financial (SLNFF) is currently considered Fairly Valued. The stock's GF Value™ is $0.20, compared to a current price of $0.19 — trading 3.1% below its estimated fair value. The current Debt-to-EBITDA is 3.47, which is 77% above median its 10-year median of 1.96 and 54.2% above the Vehicles & Parts industry median of 2.25. Solution Financial's overall GF Score™ is 41/100 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 Solution Financial (SLNFF), the current Debt-to-EBITDA is 3.47 as of Apr. 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 Solution Financial (SLNFF) Overvalued in 2026?
Based on GuruFocus' analysis, Solution Financial stock appears to be undervalued.
The current stock price of $0.19 is trading 3.1% below its estimated GF Value™ of $0.20.
GuruFocus considers Solution Financial to be Fairly Valued.
Key valuation signals for SLNFF:
Debt-to-EBITDA: 3.47 (77% above median its 10-year median of 1.96)
GF Value™: $0.20 vs. price of $0.19 (3.1% below fair value)
Industry Position: 54.2% above the Vehicles & Parts median (#742 of 1096)
No single metric tells the full story. See the SLNFF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Solution Financial Inc. specializes in sourcing and leasing solutions for luxury and exotic vehicles, yachts and other high value assets in Canada. The Company operates through retail sales, leases, and financing for automotive vehicles, boats, and commercial equipment and out of three locations being Richmond, British Columbia, Calgary, Alberta and Vaughan, Ontario. The company generates majority of its revenue from sale of vehicles.
41GF Score
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