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Sentage HoldingsSNTG -5.03%45 Debt-to-EBITDA is -0.02 as of Dec. 2025. GuruFocus rates SNTG with a GF Score™ of 45/100 and a GF Value™ of $1.03 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 284 Credit Services companies, Sentage Holdings ranks worse than 352112.32% 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 Sentage Holdings's Debt-to-EBITDA or its related term are showing as below:
SNTG'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -0.09 Med: -0.04 Max: 0.54
Current: -0.03
During the past 8 years, the highest Debt-to-EBITDA Ratio of Sentage Holdings was 0.54. The lowest was -0.09. And the median was -0.04.
SNTG's Debt-to-EBITDA is ranked worse than 100% of 284
companies
in the Credit Services industry
Industry Median: 9.3
vs SNTG: -0.03
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.
Sentage Holdings Debt-to-EBITDA Related Terms
Sentage Holdings Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Sentage Holdings'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.
SNTG vs SPFX, VNTA, DXF: Debt-to-EBITDA Comparison
For the Credit Services subindustry, Sentage Holdings'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.
Sentage Holdings Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Sentage Holdings's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Sentage Holdings'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 two times the quarterly (Dec. 2025) EBITDA data.
Sentage Holdings (SNTG) has a Debt-to-EBITDA of -0.02 as of Dec. 2025. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Sentage Holdings. According to the industry distribution chart, Sentage Holdings ranks #999999 out of 284 companies in the Credit Services industry.
Is Sentage Holdings' Debt-to-EBITDA too high?
Sentage Holdings' current Debt-to-EBITDA is -0.02. Based on the distribution chart, Sentage Holdings ranks #999999 out of 284 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Sentage Holdings has a GF Score™ of 45/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sentage Holdings' Debt-to-EBITDA compare to SPFX and VNTA?
According to the Credit Services industry distribution chart, Sentage Holdings ranks #999999 out of 284 companies for Debt-to-EBITDA. This places Sentage Holdings in the lower half of its industry. The industry median Debt-to-EBITDA is 9.30. 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 9.30, based on 284 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. 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 Sentage Holdings. For the Credit Services industry, the median Debt-to-EBITDA is 9.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sentage Holdings's current Debt-to-EBITDA is -0.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sentage Holdings stock overvalued right now?
Based on GuruFocus' analysis, Sentage Holdings (SNTG) is currently considered Significantly Overvalued. The stock's GF Value™ is $1.03, compared to a current price of $1.70 — trading 65% above its estimated fair value. The current Debt-to-EBITDA is -0.02. Sentage Holdings' overall GF Score™ is 45/100 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 Sentage Holdings (SNTG), the current Debt-to-EBITDA is -0.02 as of Dec. 2025. 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 Sentage Holdings (SNTG) Overvalued in 2026?
Based on GuruFocus' analysis, Sentage Holdings stock appears to be overvalued.
The current stock price of $1.70 is trading 65% above its estimated GF Value™ of $1.03.
GuruFocus considers Sentage Holdings to be Significantly Overvalued.
Key valuation signals for SNTG:
Debt-to-EBITDA: -0.02
GF Value™: $1.03 vs. price of $1.70 (65% above fair value)
No single metric tells the full story. See the SNTG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sentage Holdings Inc is a financial service provider. The company offers a comprehensive range of financial services across consumer loan repayment and collection management, loan recommendation, and prepaid payment network services in China.
45GF Score
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