Ayvens (STU:3AL) Debt-to-EBITDA : (As of Jun. 2026)

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STU:3AL Ayvens SA STU:3AL
78 GF Score
Price €10.27
GF Value €8.88
Valuation Modestly Overvalued
! 6 Warning Signs
View Full Analysis

What is Ayvens Debt-to-EBITDA?

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

Ayvens's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was €27,063 Mil. Ayvens's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was €24,186 Mil. Ayvens's annualized EBITDA for the quarter that ended in Jun. 2026 was €11,862 Mil. Ayvens's annualized Debt-to-EBITDA for the quarter that ended in Jun. 2026 was 4.32.

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

STU:3AL' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 3.41   Med: 3.84   Max: 20.89
Current: 20.89

During the past 13 years, the highest Debt-to-EBITDA Ratio of Ayvens was 20.89. The lowest was 3.41. And the median was 3.84.

STU:3AL's Debt-to-EBITDA is ranked worse than
96.05% of 835 companies
in the Business Services industry
Industry Median: 1.67 vs STU:3AL: 20.89

Ayvens  (STU:3AL) 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.

Ayvens Debt-to-EBITDA Related Terms

Ayvens Debt-to-EBITDA Historical Data

* Premium members only.

The historical data trend for Ayvens'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.

Ayvens Debt-to-EBITDA Chart

Ayvens Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-EBITDA
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Ayvens Semi-Annual Data
Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25 Jun26
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STU:3AL vs URI, SUNB, AER: Debt-to-EBITDA Comparison

For the Rental & Leasing Services subindustry, Ayvens'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.

Ayvens Debt-to-EBITDA vs Business Services Industry

For the Business Services industry and Industrials sector, Ayvens's Debt-to-EBITDA distribution charts can be found below:

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


STU:3AL
78GF Score
Ayvens SA STU:3AL
Debt-to-EBITDA is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Ayvens Debt-to-EBITDA Calculation

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

Ayvens'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
=(19291.8 + 31661.2) / 12010.7
=4.24

Ayvens'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
=(27062.5 + 24185.6) / 11862
=4.32

* 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 Ayvens (STU:3AL) Overvalued in 2026?

Based on GuruFocus' analysis, Ayvens stock appears to be overvalued. The current stock price of €10.27 is trading 15.7% above its estimated GF Value™ of €8.88. GuruFocus considers Ayvens to be Modestly Overvalued.

Key valuation signals for STU:3AL:

  • Debt-to-EBITDA:
  • GF Value™: €8.88 vs. price of €10.27 (15.7% above fair value)
  • GF Score™: 78/100 with 6 warning signs

No single metric tells the full story. See the STU:3AL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Ayvens Business Description

Address 17 Cours Valmy, Tour Granite, Puteaux-la-Defense, FRA, 92800
Ayvens SA is a full-service leasing and fleet management group. It offers a diverse range of passenger cars, light commercial vehicles, and options for electric vehicles. The group also provides insurance services. It provides clients with motor third-party liability, material damage insurance, as well as theft and passenger insurance. The company's segmentation comprises 4 regions: Region 1, Region 2, Region 3, and Region 4. The company derives key revenue from Region 2 and Region 3. The company generates revenue from leasing, servicing, and proceeds of car sales, with the majority of revenue deriving from leasing activity.
78GF Score

Get the complete analysis for STU:3AL

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

€10.27
Price
€8.88
GF Value