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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 FinTech Global's Debt-to-EBITDA or its related term are showing as below:
TSE:8789'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -16.6 Med: -0.31 Max: 8.15
Current: 1.4
During the past 13 years, the highest Debt-to-EBITDA Ratio of FinTech Global was 8.15. The lowest was -16.60. And the median was -0.31.
TSE:8789's Debt-to-EBITDA is ranked better than 79.31% of 116
companies
in the Diversified Financial Services industry
Industry Median: 6.2
vs TSE:8789: 1.40
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.
FinTech Global Debt-to-EBITDA Related Terms
FinTech Global Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for FinTech Global'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.
For the Financial Conglomerates subindustry, FinTech Global'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.
FinTech Global Debt-to-EBITDA vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, FinTech Global's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where FinTech Global'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.
FinTech Global (TSE:8789) has a Debt-to-EBITDA of 1.78 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 FinTech Global. According to the industry distribution chart, FinTech Global ranks #24 out of 116 companies in the Diversified Financial Services industry, placing it in the top 20.7%.
Is FinTech Global's Debt-to-EBITDA too high?
FinTech Global's current Debt-to-EBITDA is 1.78. The Diversified Financial Services industry median Debt-to-EBITDA is 6.20. FinTech Global's value of 1.78 is 71.3% below this industry median. Based on the distribution chart, FinTech Global ranks #24 out of 116 companies in the Diversified Financial Services industry, which is in the top quartile — a strong position relative to peers. Overall, FinTech Global has a GF Score™ of 70/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does FinTech Global's Debt-to-EBITDA compare to FRHC and VOYA?
According to the Diversified Financial Services industry distribution chart, FinTech Global ranks #24 out of 116 companies for Debt-to-EBITDA. This places FinTech Global in the top 21% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 6.20. FinTech Global's value of 1.78 is 71.3% below this benchmark. 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 Diversified Financial Services company?
The median Debt-to-EBITDA among Diversified Financial Services companies is 6.20, based on 116 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. FinTech Global's current Debt-to-EBITDA of 1.78 is 71.3% 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 FinTech Global. For the Diversified Financial Services industry, the median Debt-to-EBITDA is 6.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FinTech Global's current Debt-to-EBITDA is 1.78. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FinTech Global stock overvalued right now?
Based on GuruFocus' analysis, FinTech Global (TSE:8789) is currently considered Modestly Overvalued. The stock's GF Value™ is 円136.17, compared to a current price of 円160.00 — trading 17.5% above its estimated fair value. The current Debt-to-EBITDA is 1.78 and 71.3% below the Diversified Financial Services industry median of 6.20. FinTech Global's overall GF Score™ is 70/100 with 3 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 FinTech Global (TSE:8789), the current Debt-to-EBITDA is 1.78 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 FinTech Global (TSE:8789) Overvalued in 2026?
Based on GuruFocus' analysis, FinTech Global stock appears to be overvalued.
The current stock price of 円160.00 is trading 17.5% above its estimated GF Value™ of 円136.17.
GuruFocus considers FinTech Global to be Modestly Overvalued.
Key valuation signals for TSE:8789:
Debt-to-EBITDA: 1.78
GF Value™: 円136.17 vs. price of 円160.00 (17.5% above fair value)
Industry Position: 71.3% below the Diversified Financial Services median (#24 of 116)
No single metric tells the full story. See the TSE:8789 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
FinTech Global Inc is an investment bank with divisions for securities, investment management, and principal finance. The company primarily focuses on three areas of financial services, namely, investment banking, principal investment, and asset management. Further, it provides services, such as management participation, corporate revitalization, venture development and fund-procurement arrangements from both debt and equity perspectives to support the real economy. Geographically it operates through the region of Japan.
70GF Score
Get the complete analysis for TSE:8789
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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