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SBI AruhiTSE:7198 -0.95%66 Debt-to-EBITDA is 10.57 as of Jun. 2026, which is 68% above its 10-year median of 6.29. GuruFocus rates TSE:7198 with a GF Score™ of 66/100 and a GF Value™ of 円905.72 (Fairly Valued). The stock has 8 warning signs investors should review. Among 34 Banks companies, SBI Aruhi ranks worse than 52.94% 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 SBI Aruhi's Debt-to-EBITDA or its related term are showing as below:
TSE:7198'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 4.74 Med: 6.29 Max: 12.81
Current: 10.39
During the past 11 years, the highest Debt-to-EBITDA Ratio of SBI Aruhi was 12.81. The lowest was 4.74. And the median was 6.29.
TSE:7198's Debt-to-EBITDA is ranked worse than 52.94% of 34
companies
in the Banks industry
Industry Median: 9.875
vs TSE:7198: 10.39
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.
SBI Aruhi Debt-to-EBITDA Related Terms
SBI Aruhi Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for SBI Aruhi'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:7198 vs RKT, FNMA, PFSI: Debt-to-EBITDA Comparison
For the Mortgage Finance subindustry, SBI Aruhi'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.
SBI Aruhi Debt-to-EBITDA vs Banks Industry
For the Banks industry and Financial Services sector, SBI Aruhi's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where SBI Aruhi'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 (Jun. 2026) EBITDA data.
SBI Aruhi (TSE:7198) has a Debt-to-EBITDA of 10.57 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on SBI Aruhi. This is 68% above median its historical median of 6.29. Over the past decade, SBI Aruhi's Debt-to-EBITDA has ranged from 4.74 to 12.81. According to the industry distribution chart, SBI Aruhi ranks #18 out of 34 companies in the Banks industry, placing it in the top 52.9%.
Is SBI Aruhi's Debt-to-EBITDA too high?
SBI Aruhi's current Debt-to-EBITDA of 10.57 is 68% above median its 10-year median of 6.29. Over the past 10 years, this metric has ranged from a low of 4.74 to a high of 12.81. The Banks industry median Debt-to-EBITDA is 9.88. SBI Aruhi's value of 10.57 is 7% above this industry median. Based on the distribution chart, SBI Aruhi ranks #18 out of 34 companies in the Banks industry, which is below the industry midpoint. Overall, SBI Aruhi has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does SBI Aruhi's Debt-to-EBITDA compare to RKT and FNMA?
According to the Banks industry distribution chart, SBI Aruhi ranks #18 out of 34 companies for Debt-to-EBITDA. This places SBI Aruhi in the lower half of its industry. The industry median Debt-to-EBITDA is 9.88. SBI Aruhi's value of 10.57 is 7% above this benchmark. Historically, SBI Aruhi's own Debt-to-EBITDA has ranged from 4.74 to 12.81 over the past decade. While the company's 10-year median is 6.29 vs. the industry median of 9.88, SBI Aruhi 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 Banks company?
The median Debt-to-EBITDA among Banks companies is 9.88, 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. SBI Aruhi's current Debt-to-EBITDA of 10.57 is 7% 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 SBI Aruhi. For the Banks industry, the median Debt-to-EBITDA is 9.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SBI Aruhi's current Debt-to-EBITDA is 10.57, which is 68% above median its own 10-year median of 6.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SBI Aruhi stock overvalued right now?
Based on GuruFocus' analysis, SBI Aruhi (TSE:7198) is currently considered Fairly Valued. The stock's GF Value™ is 円905.72, compared to a current price of 円833.00 — trading 8% below its estimated fair value. The current Debt-to-EBITDA is 10.57, which is 68% above median its 10-year median of 6.29 and 7% above the Banks industry median of 9.88. SBI Aruhi's overall GF Score™ is 66/100 with 8 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 SBI Aruhi (TSE:7198), the current Debt-to-EBITDA is 10.57 as of Jun. 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 SBI Aruhi (TSE:7198) Overvalued in 2026?
Based on GuruFocus' analysis, SBI Aruhi stock appears to be undervalued.
The current stock price of 円833.00 is trading 8% below its estimated GF Value™ of 円905.72.
GuruFocus considers SBI Aruhi to be Fairly Valued.
Key valuation signals for TSE:7198:
Debt-to-EBITDA: 10.57 (68% above median its 10-year median of 6.29)
GF Value™: 円905.72 vs. price of 円833.00 (8% below fair value)
Industry Position: 7% above the Banks median (#18 of 34)
No single metric tells the full story. See the TSE:7198 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SBI Aruhi Corp is a Japan-based mortgage specialist financial institution. The company provides insurance brokerage, mortgage lending, bank agency and other services.
66GF Score
Get the complete analysis for TSE:7198
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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