Yixin Group (STU:1YX) Debt-to-EBITDA : (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

STU:1YX Yixin Group Ltd STU:1YX
54 GF Score
Price €0.12
GF Value €0.17
Valuation Possible Value Trap
! 2 Warning Signs
View Full Analysis

What is Yixin Group Debt-to-EBITDA?

Debt-to-EBITDA measures a company's ability to pay off its debt.

Yixin Group's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was €2,074 Mil. Yixin Group's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was €2,106 Mil. Yixin Group's annualized EBITDA for the quarter that ended in Jun. 2026 was €278 Mil. Yixin Group's annualized Debt-to-EBITDA for the quarter that ended in Jun. 2026 was 15.05.

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 Yixin Group's Debt-to-EBITDA or its related term are showing as below:

STU:1YX' s Debt-to-EBITDA Range Over the Past 10 Years
Min: -9.3   Med: 17.12   Max: 115.37
Current: 17.2

During the past 12 years, the highest Debt-to-EBITDA Ratio of Yixin Group was 115.37. The lowest was -9.30. And the median was 17.12.

STU:1YX's Debt-to-EBITDA is ranked worse than
73.17% of 287 companies
in the Credit Services industry
Industry Median: 8.34 vs STU:1YX: 17.20

Yixin Group  (STU:1YX) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.


Be Aware

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.


Yixin Group Debt-to-EBITDA Related Terms


Yixin Group Debt-to-EBITDA Historical Data

* Premium members only.

The historical data trend for Yixin Group'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.

Yixin Group Debt-to-EBITDA Chart

Yixin Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-EBITDA
Get a 7-Day Free Trial Premium Member Only Premium Member Only - - - - -

Yixin Group Semi-Annual Data
Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25 Jun26
Debt-to-EBITDA Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only - - - - -

STU:1YX vs V, MA, AXP: Debt-to-EBITDA Comparison

For the Credit Services subindustry, Yixin 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.


Yixin Group Debt-to-EBITDA vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Yixin Group's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where Yixin Group's Debt-to-EBITDA falls into.


STU:1YX
54GF Score
Yixin Group Ltd STU:1YX
Debt-to-EBITDA is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Yixin Group Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

Yixin Group's Debt-to-EBITDA for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(2052.6393581416 + 1764.5789281558) / 239.24257800022
=15.96

Yixin Group's annualized Debt-to-EBITDA for the quarter that ended in Jun. 2026 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(2073.7227315543 + 2106.3641638199) / 277.81611716656
=15.05

* 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. 2026) EBITDA data.

Is Yixin Group (STU:1YX) Overvalued in 2026?

Based on GuruFocus' analysis, Yixin Group stock appears to be undervalued. The current stock price of €0.12 is trading 32.4% below its estimated GF Value™ of €0.17. GuruFocus considers Yixin Group to be Possible Value Trap.

Key valuation signals for STU:1YX:

  • Debt-to-EBITDA:
  • GF Value™: €0.17 vs. price of €0.12 (32.4% below fair value)
  • GF Score™: 54/100 with 2 warning signs

No single metric tells the full story. See the STU:1YX stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Yixin Group Business Description

Other Exchanges 02858:Hong Kong
Address No. 365 Linhong Road, 1 North, Zhongguancun Hongqiao Innovation Center, Changning District, Shanghai, CHN
Yixin Group Ltd is an online automobile finance transaction platform in China. The company operates in two segments namely Transaction platform services and Self-operated financing business. The transaction platform segment is comprised of facilitation of auto loans to consumers offered by its auto finance partners. Self-operated financing segment comprises of auto finance solutions through financing leases. The company generates a majority of its revenue from the Transaction Platform segment.
54GF Score

Get the complete analysis for STU:1YX

Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.12
Price
€0.17
GF Value