Topicus comTOITF +0.80%58 Debt-to-EBITDA is 1.06 as of Mar. 2026, which is 13% above its 10-year median of 0.94. GuruFocus rates TOITF with a GF Score™ of 58/100 and a GF Value™ of $138.38 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 1,714 Software companies, Topicus com ranks worse than 59.1% 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 Topicus com's Debt-to-EBITDA or its related term are showing as below:
TOITF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -0.11 Med: 0.94 Max: 2.32
Current: 1.61
During the past 7 years, the highest Debt-to-EBITDA Ratio of Topicus com was 2.32. The lowest was -0.11. And the median was 0.94.
TOITF's Debt-to-EBITDA is ranked worse than 59.1% of 1714
companies
in the Software industry
Industry Median: 1.09
vs TOITF: 1.61
Topicus com (OTCPK:TOITF) Debt-to-EBITDA Explanation
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.
Topicus com Debt-to-EBITDA Related Terms
Topicus com Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Topicus com'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.
TOITF vs MSFT, ORCL, PLTR: Debt-to-EBITDA Comparison
For the Software - Infrastructure subindustry, Topicus com'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.
Topicus com Debt-to-EBITDA vs Software Industry
For the Software industry and Technology sector, Topicus com's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Topicus com'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 (Mar. 2026) EBITDA data.
Topicus com (TOITF) has a Debt-to-EBITDA of 1.06 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Topicus com. This is 13% above median its historical median of 0.94. According to the industry distribution chart, Topicus com ranks #1013 out of 1714 companies in the Software industry, placing it in the top 59.1%.
Is Topicus com's Debt-to-EBITDA too high?
Topicus com's current Debt-to-EBITDA of 1.06 is 13% above median its 10-year median of 0.94. The Software industry median Debt-to-EBITDA is 1.09. Topicus com's value of 1.06 is 2.8% below this industry median. Based on the distribution chart, Topicus com ranks #1013 out of 1714 companies in the Software industry, which is below the industry midpoint. Overall, Topicus com has a GF Score™ of 58/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Topicus com's Debt-to-EBITDA compare to MSFT and ORCL?
According to the Software industry distribution chart, Topicus com ranks #1013 out of 1714 companies for Debt-to-EBITDA. This places Topicus com in the lower half of its industry. The industry median Debt-to-EBITDA is 1.09. Topicus com's value of 1.06 is 2.8% below this benchmark. While the company's 10-year median is 0.94 vs. the industry median of 1.09, Topicus com has consistently been below 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 Software company?
The median Debt-to-EBITDA among Software companies is 1.09, based on 1,714 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. Topicus com's current Debt-to-EBITDA of 1.06 is 2.8% below 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 Topicus com. 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. Topicus com's current Debt-to-EBITDA is 1.06, which is 13% above median its own 10-year median of 0.94. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Topicus com stock overvalued right now?
Based on GuruFocus' analysis, Topicus com (TOITF) is currently considered Significantly Undervalued. The stock's GF Value™ is $138.38, compared to a current price of $64.61 — trading 53.3% below its estimated fair value. The current Debt-to-EBITDA is 1.06, which is 13% above median its 10-year median of 0.94 and 2.8% below the Software industry median of 1.09. Topicus com's overall GF Score™ is 58/100 with 4 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 Topicus com (TOITF), the current Debt-to-EBITDA is 1.06 as of Mar. 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 Topicus com (TOITF) Overvalued in 2026?
Based on GuruFocus' analysis, Topicus com stock appears to be undervalued.
The current stock price of $64.61 is trading 53.3% below its estimated GF Value™ of $138.38.
GuruFocus considers Topicus com to be Significantly Undervalued.
Key valuation signals for TOITF:
Debt-to-EBITDA: 1.06 (13% above median its 10-year median of 0.94)
GF Value™: $138.38 vs. price of $64.61 (53.3% below fair value)
Industry Position: 2.8% below the Software median (#1013 of 1714)
No single metric tells the full story. See the TOITF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Topicus com Inc is engaged in the development, installation, and customization of vertical market software and the provision of related professional services and support for customers across several diverse markets, mainly in Europe. Its revenue consists mainly of software license fees, maintenance and other recurring fees, professional service fees, and hardware sales. Geographically, the company generates maximum revenue from its business in the Netherlands, and the rest from other markets.
58GF Score
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