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CasaTSE:7196 -0.13%73 Debt-to-EBITDA is 0.22 as of Jan. 2026, which is 175% above its 10-year median of 0.08. GuruFocus rates TSE:7196 with a GF Score™ of 73/100 and a GF Value™ of 円989.90 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 34 Banks companies, Casa ranks better than 91.18% 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 Casa's Debt-to-EBITDA or its related term are showing as below:
TSE:7196'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0 Med: 0.08 Max: 0.8
Current: 0.73
During the past 11 years, the highest Debt-to-EBITDA Ratio of Casa was 0.80. The lowest was 0.00. And the median was 0.08.
TSE:7196's Debt-to-EBITDA is ranked better than 91.18% of 34
companies
in the Banks industry
Industry Median: 9.785
vs TSE:7196: 0.73
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.
Casa Debt-to-EBITDA Related Terms
Casa Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Casa'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:7196 vs RKT, FNMA, PFSI: Debt-to-EBITDA Comparison
For the Mortgage Finance subindustry, Casa'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.
Casa Debt-to-EBITDA vs Banks Industry
For the Banks industry and Financial Services sector, Casa's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Casa'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 (Jan. 2026) EBITDA data.
Casa (TSE:7196) has a Debt-to-EBITDA of 0.22 as of Jan. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Casa. This is 175% above median its historical median of 0.08. According to the industry distribution chart, Casa ranks #3 out of 34 companies in the Banks industry, placing it in the top 8.8%.
Is Casa's Debt-to-EBITDA too high?
Casa's current Debt-to-EBITDA of 0.22 is 175% above median its 10-year median of 0.08. The Banks industry median Debt-to-EBITDA is 9.79. Casa's value of 0.22 is 97.8% below this industry median. Based on the distribution chart, Casa ranks #3 out of 34 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Casa has a GF Score™ of 73/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Casa's Debt-to-EBITDA compare to RKT and FNMA?
According to the Banks industry distribution chart, Casa ranks #3 out of 34 companies for Debt-to-EBITDA. This places Casa in the top 9% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 9.79. Casa's value of 0.22 is 97.8% below this benchmark. While the company's 10-year median is 0.08 vs. the industry median of 9.79, Casa 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 Banks company?
The median Debt-to-EBITDA among Banks companies is 9.79, based on 34 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. Casa's current Debt-to-EBITDA of 0.22 is 97.8% 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 Casa. For the Banks industry, the median Debt-to-EBITDA is 9.79 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Casa's current Debt-to-EBITDA is 0.22, which is 175% above median its own 10-year median of 0.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Casa stock overvalued right now?
Based on GuruFocus' analysis, Casa (TSE:7196) is currently considered Modestly Undervalued. The stock's GF Value™ is 円989.90, compared to a current price of 円743.00 — trading 24.9% below its estimated fair value. The current Debt-to-EBITDA is 0.22, which is 175% above median its 10-year median of 0.08 and 97.8% below the Banks industry median of 9.79. Casa's 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 Casa (TSE:7196), the current Debt-to-EBITDA is 0.22 as of Jan. 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 Casa (TSE:7196) Overvalued in 2026?
Based on GuruFocus' analysis, Casa stock appears to be undervalued.
The current stock price of 円743.00 is trading 24.9% below its estimated GF Value™ of 円989.90.
GuruFocus considers Casa to be Modestly Undervalued.
Key valuation signals for TSE:7196:
Debt-to-EBITDA: 0.22 (175% above median its 10-year median of 0.08)
GF Value™: 円989.90 vs. price of 円743.00 (24.9% below fair value)
Industry Position: 97.8% below the Banks median (#3 of 34)
No single metric tells the full story. See the TSE:7196 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Casa Inc is engaged in rental liability guarantee business. The services provided by the company include casa cloud which is a platform that matches people who want to live with people that want to lend, tenant cafe which is a portal site for Casa subscribers, and oya cafe.
73GF Score
Get the complete analysis for TSE:7196
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