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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 Splitit Payments's Debt-to-EBITDA or its related term are showing as below:
STTTF's Debt-to-EBITDA is not ranked *
in the Software industry.
Industry Median: 1.085 * Ranked among companies with meaningful Debt-to-EBITDA only.
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.
Splitit Payments Debt-to-EBITDA Related Terms
Splitit Payments Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Splitit Payments'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.
STTTF vs MSFT, ORCL, ADBE: Debt-to-EBITDA Comparison
For the Software - Infrastructure subindustry, Splitit Payments'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.
Splitit Payments Debt-to-EBITDA vs Software Industry
For the Software industry and Technology sector, Splitit Payments's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Splitit Payments'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 (Jun. 2023) EBITDA data.
Splitit Payments (STTTF) has a Debt-to-EBITDA of -3.56 as of Jun. 2023. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Splitit Payments.
Is Splitit Payments' Debt-to-EBITDA too high?
Splitit Payments' current Debt-to-EBITDA is -3.56. Overall, Splitit Payments has a GF Score™ of 12/100, reflecting its overall financial health beyond just this single metric.
How does Splitit Payments' Debt-to-EBITDA compare to MSFT and ORCL?
Splitit Payments' Debt-to-EBITDA of -3.56 can be compared against companies in the Software industry. The industry median Debt-to-EBITDA is 1.09. 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 Software company?
The median Debt-to-EBITDA among Software companies is 1.09, based on 1,716 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 Splitit Payments. For the Software industry, the median Debt-to-EBITDA is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Splitit Payments's current Debt-to-EBITDA is -3.56. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Splitit Payments stock overvalued right now?
Splitit Payments (STTTF) has a current Debt-to-EBITDA of -3.56. The current Debt-to-EBITDA is -3.56. Splitit Payments' overall GF Score™ is 12/100. 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 Splitit Payments (STTTF), the current Debt-to-EBITDA is -3.56 as of Jun. 2023. 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.
Splitit Payments Ltd is a cross-border payment solution enabling customers to pay for purchases with an existing debit or credit card by splitting the purchase into fee and interest-free monthly installments, without the need for registration, application, or approval. Splitit operates in three geographical regions: North America, the United Kingdom & Europe, and Australia.
12GF Score
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Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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