Cyber Folks (WAR:CBF) Debt-to-EBITDA : 2.25 (As of Mar. 2026) — 22% Below Median

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Founder & CEO of GuruFocus
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WAR:CBF Cyber Folks SA WAR:CBF
93 GF Score
Price zł189.80
GF Value zł202.00
Valuation Fairly Valued
! 1 Warning Sign
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What is Cyber Folks Debt-to-EBITDA?

Cyber Folks WAR:CBF -0.63% 93 Debt-to-EBITDA is 2.25 as of Mar. 2026, which is 22% below its 10-year median of 2.88. GuruFocus rates WAR:CBF with a GF Score™ of 93/100 and a GF Value™ of zł202.00 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,722 Software companies, Cyber Folks ranks worse than 68.52% on this metric.

Debt-to-EBITDA measures a company's ability to pay off its debt.

Cyber Folks's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2026 was zł134.4 Mil. Cyber Folks's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2026 was zł568.7 Mil. Cyber Folks's annualized EBITDA for the quarter that ended in Mar. 2026 was zł312.5 Mil. Cyber Folks's annualized Debt-to-EBITDA for the quarter that ended in Mar. 2026 was 2.25.

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 Cyber Folks's Debt-to-EBITDA or its related term are showing as below:

WAR:CBF' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.99   Med: 2.88   Max: 3.5
Current: 2.36

During the past 10 years, the highest Debt-to-EBITDA Ratio of Cyber Folks was 3.50. The lowest was 0.99. And the median was 2.88.

WAR:CBF's Debt-to-EBITDA is ranked worse than
68.52% of 1722 companies
in the Software industry
Industry Median: 1.08 vs WAR:CBF: 2.36

Cyber Folks  (WAR:CBF) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.


Be Aware

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.


Cyber Folks Debt-to-EBITDA Related Terms


Cyber Folks Debt-to-EBITDA Historical Data

* Premium members only.

The historical data trend for Cyber Folks'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.

Cyber Folks Debt-to-EBITDA Chart

Cyber Folks Annual Data
Trend Jun15 Jun16 Jun17 Jun18 Jun19 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-EBITDA
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.91 3.50 1.75 0.99 2.58

Cyber Folks Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Debt-to-EBITDA Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3.08 2.74 2.59 2.23 2.25

WAR:CBF vs IBM, ACN, FISV: Debt-to-EBITDA Comparison

For the Information Technology Services subindustry, Cyber Folks'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.


Cyber Folks Debt-to-EBITDA vs Software Industry

For the Software industry and Technology sector, Cyber Folks's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where Cyber Folks's Debt-to-EBITDA falls into.


WAR:CBF
93GF Score
Cyber Folks SA WAR:CBF
Debt-to-EBITDA is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Cyber Folks Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

Cyber Folks's Debt-to-EBITDA for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(134.544 + 580.328) / 276.946
=2.58

Cyber Folks's annualized Debt-to-EBITDA for the quarter that ended in Mar. 2026 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(134.388 + 568.734) / 312.504
=2.25

* 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.

Frequently Asked Questions Learn more about Debt-to-EBITDA →
What does a Debt-to-EBITDA of 2.25 mean?
Cyber Folks (WAR:CBF) has a Debt-to-EBITDA of 2.25 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 Cyber Folks. This is 22% below median its historical median of 2.88. Over the past decade, Cyber Folks' Debt-to-EBITDA has ranged from 0.99 to 3.50. According to the industry distribution chart, Cyber Folks ranks #1180 out of 1722 companies in the Software industry, placing it in the top 68.5%.
Is Cyber Folks' Debt-to-EBITDA too high?
Cyber Folks' current Debt-to-EBITDA of 2.25 is 22% below median its 10-year median of 2.88. Over the past 10 years, this metric has ranged from a low of 0.99 to a high of 3.50. The Software industry median Debt-to-EBITDA is 1.08. Cyber Folks' value of 2.25 is 108.3% above this industry median. Based on the distribution chart, Cyber Folks ranks #1180 out of 1722 companies in the Software industry, which is below the industry midpoint. Overall, Cyber Folks has a GF Score™ of 93/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Cyber Folks' Debt-to-EBITDA compare to IBM and ACN?
According to the Software industry distribution chart, Cyber Folks ranks #1180 out of 1722 companies for Debt-to-EBITDA. This places Cyber Folks in the lower half of its industry. The industry median Debt-to-EBITDA is 1.08. Cyber Folks' value of 2.25 is 108.3% above this benchmark. Historically, Cyber Folks' own Debt-to-EBITDA has ranged from 0.99 to 3.50 over the past decade. While the company's 10-year median is 2.88 vs. the industry median of 1.08, Cyber Folks 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 Software company?
The median Debt-to-EBITDA among Software companies is 1.08, based on 1,722 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. Cyber Folks's current Debt-to-EBITDA of 2.25 is 108.3% 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 Cyber Folks. For the Software industry, the median Debt-to-EBITDA is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cyber Folks's current Debt-to-EBITDA is 2.25, which is 22% below median its own 10-year median of 2.88. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Cyber Folks stock overvalued right now?
Based on GuruFocus' analysis, Cyber Folks (WAR:CBF) is currently considered Fairly Valued. The stock's GF Value™ is zł202.00, compared to a current price of zł189.80 — trading 6% below its estimated fair value. The current Debt-to-EBITDA is 2.25, which is 22% below median its 10-year median of 2.88 and 108.3% above the Software industry median of 1.08. Cyber Folks' overall GF Score™ is 93/100 with 1 warning sign 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 Cyber Folks (WAR:CBF), the current Debt-to-EBITDA is 2.25 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 Cyber Folks (WAR:CBF) Overvalued in 2026?

Based on GuruFocus' analysis, Cyber Folks stock appears to be undervalued. The current stock price of zł189.80 is trading 6% below its estimated GF Value™ of zł202.00. GuruFocus considers Cyber Folks to be Fairly Valued.

Key valuation signals for WAR:CBF:

  • Debt-to-EBITDA: 2.25 (22% below median its 10-year median of 2.88)
  • GF Value™: zł202.00 vs. price of zł189.80 (6% below fair value)
  • GF Score™: 93/100 with 1 warning sign
  • Industry Position: 108.3% above the Software median (#1180 of 1722)

No single metric tells the full story. See the WAR:CBF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Cyber Folks Business Description

Other Exchanges 0K0:Germany
Address Ulica Franklin Roosevelt 22, Poznan, POL, 60-829
Cyber Folks SA Formerly R22 SA is a technology company. The company focuses on scalable services offered in the subscription model and SaaS, operates within the entire value chain - from creating its own solutions, through their maintenance from the technological side, to sales and customer service. It offers hosting services and domain sales, omnichannel communication services automating electronic communication with recipients and telecommunications services.
93GF Score

Get the complete analysis for WAR:CBF

Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

zł189.80
Price
zł202.00
GF Value