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Paycloud HoldingsTSE:4015 -1.76%73 Debt-to-EBITDA is 1.05 as of Feb. 2026, which is 19% below its 10-year median of 1.30. GuruFocus rates TSE:4015 with a GF Score™ of 73/100 and a GF Value™ of 円896.22 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 1,736 Software companies, Paycloud Holdings ranks worse than 59.74% 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 Paycloud Holdings's Debt-to-EBITDA or its related term are showing as below:
TSE:4015'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -3.87 Med: 1.3 Max: 5.73
Current: 1.52
During the past 8 years, the highest Debt-to-EBITDA Ratio of Paycloud Holdings was 5.73. The lowest was -3.87. And the median was 1.30.
TSE:4015's Debt-to-EBITDA is ranked worse than 59.74% of 1736
companies
in the Software industry
Industry Median: 0.98
vs TSE:4015: 1.52
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.
Paycloud Holdings Debt-to-EBITDA Related Terms
Paycloud Holdings Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Paycloud 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.
TSE:4015 vs QH, SHOP, UBER: Debt-to-EBITDA Comparison
For the Software - Application subindustry, Paycloud 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.
Paycloud Holdings Debt-to-EBITDA vs Software Industry
For the Software industry and Technology sector, Paycloud Holdings's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Paycloud 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 four times the quarterly (Feb. 2026) EBITDA data.
Paycloud Holdings (TSE:4015) has a Debt-to-EBITDA of 1.05 as of Feb. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Paycloud Holdings. This is 19% below median its historical median of 1.30. According to the industry distribution chart, Paycloud Holdings ranks #1037 out of 1736 companies in the Software industry, placing it in the top 59.7%.
Is Paycloud Holdings' Debt-to-EBITDA too high?
Paycloud Holdings' current Debt-to-EBITDA of 1.05 is 19% below median its 10-year median of 1.30. The Software industry median Debt-to-EBITDA is 0.98. Paycloud Holdings' value of 1.05 is 7.1% above this industry median. Based on the distribution chart, Paycloud Holdings ranks #1037 out of 1736 companies in the Software industry, which is below the industry midpoint. Overall, Paycloud Holdings has a GF Score™ of 73/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Paycloud Holdings' Debt-to-EBITDA compare to QH and SHOP?
According to the Software industry distribution chart, Paycloud Holdings ranks #1037 out of 1736 companies for Debt-to-EBITDA. This places Paycloud Holdings in the lower half of its industry. The industry median Debt-to-EBITDA is 0.98. Paycloud Holdings' value of 1.05 is 7.1% above this benchmark. While the company's 10-year median is 1.30 vs. the industry median of 0.98, Paycloud Holdings has consistently been above 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 0.98, based on 1,736 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. Paycloud Holdings's current Debt-to-EBITDA of 1.05 is 7.1% above 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 Paycloud Holdings. For the Software industry, the median Debt-to-EBITDA is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Paycloud Holdings's current Debt-to-EBITDA is 1.05, which is 19% below median its own 10-year median of 1.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Paycloud Holdings stock overvalued right now?
Based on GuruFocus' analysis, Paycloud Holdings (TSE:4015) is currently considered Significantly Undervalued. The stock's GF Value™ is 円896.22, compared to a current price of 円557.00 — trading 37.9% below its estimated fair value. The current Debt-to-EBITDA is 1.05, which is 19% below median its 10-year median of 1.30 and 7.1% above the Software industry median of 0.98. Paycloud Holdings' overall GF Score™ is 73/100 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 Paycloud Holdings (TSE:4015), the current Debt-to-EBITDA is 1.05 as of Feb. 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 Paycloud Holdings (TSE:4015) Overvalued in 2026?
Based on GuruFocus' analysis, Paycloud Holdings stock appears to be undervalued.
The current stock price of 円557.00 is trading 37.9% below its estimated GF Value™ of 円896.22.
GuruFocus considers Paycloud Holdings to be Significantly Undervalued.
Key valuation signals for TSE:4015:
Debt-to-EBITDA: 1.05 (19% below median its 10-year median of 1.30)
GF Value™: 円896.22 vs. price of 円557.00 (37.9% below fair value)
Industry Position: 7.1% above the Software median (#1037 of 1736)
No single metric tells the full story. See the TSE:4015 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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