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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 Orion Digital's Debt-to-EBITDA or its related term are showing as below:
TSX:ORIO'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -70.34 Med: 3.76 Max: 58.21
Current: 7.33
During the past 12 years, the highest Debt-to-EBITDA Ratio of Orion Digital was 58.21. The lowest was -70.34. And the median was 3.76.
TSX:ORIO's Debt-to-EBITDA is ranked worse than 90.62% of 1716
companies
in the Software industry
Industry Median: 1.09
vs TSX:ORIO: 7.33
Orion Digital (TSX:ORIO) Debt-to-EBITDA Explanation
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.
Orion Digital Debt-to-EBITDA Related Terms
Orion Digital Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Orion Digital'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:ORIO vs MSFT, ORCL, PLTR: Debt-to-EBITDA Comparison
For the Software - Infrastructure subindustry, Orion Digital'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.
Orion Digital Debt-to-EBITDA vs Software Industry
For the Software industry and Technology sector, Orion Digital's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Orion Digital'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.
Orion Digital (TSX:ORIO) has a Debt-to-EBITDA of -8.79 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 Orion Digital. According to the industry distribution chart, Orion Digital ranks #1555 out of 1716 companies in the Software industry, placing it in the top 90.6%.
Is Orion Digital's Debt-to-EBITDA too high?
Orion Digital's current Debt-to-EBITDA is -8.79. Based on the distribution chart, Orion Digital ranks #1555 out of 1716 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Orion Digital has a GF Score™ of 45/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Orion Digital's Debt-to-EBITDA compare to MSFT and ORCL?
According to the Software industry distribution chart, Orion Digital ranks #1555 out of 1716 companies for Debt-to-EBITDA. This places Orion Digital in the lower half of its industry. The industry median Debt-to-EBITDA is 1.09. 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 1.09, based on 1,716 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. 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 Orion Digital. For the Software industry, the median Debt-to-EBITDA is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Orion Digital's current Debt-to-EBITDA is -8.79. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Orion Digital stock overvalued right now?
Based on GuruFocus' analysis, Orion Digital (TSX:ORIO) is currently considered Possible Value Trap. The stock's GF Value™ is C$2.03, compared to a current price of C$1.03 — trading 49.3% below its estimated fair value. The current Debt-to-EBITDA is -8.79. Orion Digital's overall GF Score™ is 45/100 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 Orion Digital (TSX:ORIO), the current Debt-to-EBITDA is -8.79 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 Orion Digital (TSX:ORIO) Overvalued in 2026?
Based on GuruFocus' analysis, Orion Digital stock appears to be undervalued.
The current stock price of C$1.03 is trading 49.3% below its estimated GF Value™ of C$2.03.
GuruFocus considers Orion Digital to be Possible Value Trap.
Key valuation signals for TSX:ORIO:
Debt-to-EBITDA: -8.79
GF Value™: C$2.03 vs. price of C$1.03 (49.3% below fair value)
No single metric tells the full story. See the TSX:ORIO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Orion Digital Corp is a financial technology company operating digital platforms across wealth and payments, supported by a consumer lending business in Canada. The Company's Wealth platform, Intelligent Investing, provides long-term investment solutions to the Canadian market. It also operates a consumer lending business in Canada. Its Payments business is conducted through its wholly owned subsidiary, which provides issuer processing, program management, and regulated payment orchestration services across Europe. The Company operates in Canada and Europe, with Canada generating the majority of its revenue.
45GF Score
Get the complete analysis for TSX:ORIO
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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