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ECN CapitalTSX:ECN +0.32%46 Debt-to-EBITDA is 8.15 as of Dec. 2025, which is 8% above its 10-year median of 7.54. GuruFocus rates TSX:ECN with a GF Score™ of 46/100 and a GF Value™ of C$3.32. The stock has 6 warning signs investors should review. Among 33 Banks companies, ECN Capital ranks worse than 54.55% 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 ECN Capital's Debt-to-EBITDA or its related term are showing as below:
TSX:ECN'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -34.05 Med: 7.54 Max: 27.73
Current: 9.8
During the past 13 years, the highest Debt-to-EBITDA Ratio of ECN Capital was 27.73. The lowest was -34.05. And the median was 7.54.
TSX:ECN's Debt-to-EBITDA is ranked worse than 54.55% of 33
companies
in the Banks industry
Industry Median: 9.18
vs TSX:ECN: 9.80
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.
ECN Capital Debt-to-EBITDA Related Terms
ECN Capital Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for ECN Capital'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.
TSX:ECN vs RKT, FNMA, PFSI: Debt-to-EBITDA Comparison
For the Mortgage Finance subindustry, ECN Capital'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.
ECN Capital Debt-to-EBITDA vs Banks Industry
For the Banks industry and Financial Services sector, ECN Capital's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where ECN Capital'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 (Dec. 2025) EBITDA data.
ECN Capital (TSX:ECN) has a Debt-to-EBITDA of 8.15 as of Dec. 2025. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on ECN Capital. This is near median its historical median of 7.54. According to the industry distribution chart, ECN Capital ranks #18 out of 33 companies in the Banks industry, placing it in the top 54.5%.
Is ECN Capital's Debt-to-EBITDA too high?
ECN Capital's current Debt-to-EBITDA of 8.15 is near median its 10-year median of 7.54. The Banks industry median Debt-to-EBITDA is 9.18. ECN Capital's value of 8.15 is 11.2% below this industry median. Based on the distribution chart, ECN Capital ranks #18 out of 33 companies in the Banks industry, which is below the industry midpoint. Overall, ECN Capital has a GF Score™ of 46/100, reflecting its overall financial health beyond just this single metric.
How does ECN Capital's Debt-to-EBITDA compare to RKT and FNMA?
According to the Banks industry distribution chart, ECN Capital ranks #18 out of 33 companies for Debt-to-EBITDA. This places ECN Capital in the lower half of its industry. The industry median Debt-to-EBITDA is 9.18. ECN Capital's value of 8.15 is 11.2% below this benchmark. While the company's 10-year median is 7.54 vs. the industry median of 9.18, ECN Capital 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 9.18, based on 33 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. ECN Capital's current Debt-to-EBITDA of 8.15 is 11.2% 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 ECN Capital. For the Banks industry, the median Debt-to-EBITDA is 9.18 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ECN Capital's current Debt-to-EBITDA is 8.15, which is near median its own 10-year median of 7.54. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ECN Capital stock overvalued right now?
ECN Capital (TSX:ECN) has a current Debt-to-EBITDA of 8.15. The stock's GF Value™ is C$3.32, compared to a current price of C$3.10 — trading 6.6% below its estimated fair value. The current Debt-to-EBITDA is 8.15, which is near median its 10-year median of 7.54 and 11.2% below the Banks industry median of 9.18. ECN Capital's overall GF Score™ is 46/100 with 6 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 ECN Capital (TSX:ECN), the current Debt-to-EBITDA is 8.15 as of Dec. 2025. 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 ECN Capital (TSX:ECN) Overvalued in 2026?
Based on GuruFocus' analysis, ECN Capital stock appears to be undervalued.
The current stock price of C$3.10 is trading 6.6% below its estimated GF Value™ of C$3.32.
Key valuation signals for TSX:ECN:
Debt-to-EBITDA: 8.15 (near median its 10-year median of 7.54)
GF Value™: C$3.32 vs. price of C$3.10 (6.6% below fair value)
Industry Position: 11.2% below the Banks median (#18 of 33)
No single metric tells the full story. See the TSX:ECN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
ECN Capital Corp is a financial business service provider. The group originates, manages, and advises on credit assets on behalf of its partners, specifically consumer loans and commercial loans. Its operating segments are: Manufactured Housing Finance and Recreational Vehicle and Marine (RV and Marine) Finance. The group generates maximum revenue from the Manufactured Housing Finance segment.
46GF Score
Get the complete analysis for TSX:ECN
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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