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Wise FinanceWAR:IBS +0.20%48 Debt-to-EBITDA is 3.65 as of Mar. 2026, which is 387% above its 10-year median of 0.75. GuruFocus rates WAR:IBS with a GF Score™ of 48/100 and a GF Value™ of zł46.89 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,267 Real Estate companies, Wise Finance ranks worse than 73.24% 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 Wise Finance's Debt-to-EBITDA or its related term are showing as below:
WAR:IBS'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -33.76 Med: 0.75 Max: 10.2
Current: 10.2
During the past 13 years, the highest Debt-to-EBITDA Ratio of Wise Finance was 10.20. The lowest was -33.76. And the median was 0.75.
WAR:IBS's Debt-to-EBITDA is ranked worse than 73.24% of 1267
companies
in the Real Estate industry
Industry Median: 5.5
vs WAR:IBS: 10.20
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.
Wise Finance Debt-to-EBITDA Related Terms
Wise Finance Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Wise Finance'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.
WAR:IBS vs CBRE, BEKE, JLL: Debt-to-EBITDA Comparison
For the Real Estate Services subindustry, Wise Finance'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.
Wise Finance Debt-to-EBITDA vs Real Estate Industry
For the Real Estate industry and Real Estate sector, Wise Finance's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Wise Finance'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.
Wise Finance (WAR:IBS) has a Debt-to-EBITDA of 3.65 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 Wise Finance. This is 387% above median its historical median of 0.75. According to the industry distribution chart, Wise Finance ranks #928 out of 1267 companies in the Real Estate industry, placing it in the top 73.2%.
Is Wise Finance's Debt-to-EBITDA too high?
Wise Finance's current Debt-to-EBITDA of 3.65 is 387% above median its 10-year median of 0.75. The Real Estate industry median Debt-to-EBITDA is 5.50. Wise Finance's value of 3.65 is 33.6% below this industry median. Based on the distribution chart, Wise Finance ranks #928 out of 1267 companies in the Real Estate industry, which is below the industry midpoint. Overall, Wise Finance has a GF Score™ of 48/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Wise Finance's Debt-to-EBITDA compare to CBRE and BEKE?
According to the Real Estate industry distribution chart, Wise Finance ranks #928 out of 1267 companies for Debt-to-EBITDA. This places Wise Finance in the lower half of its industry. The industry median Debt-to-EBITDA is 5.50. Wise Finance's value of 3.65 is 33.6% below this benchmark. While the company's 10-year median is 0.75 vs. the industry median of 5.50, Wise Finance 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 Real Estate company?
The median Debt-to-EBITDA among Real Estate companies is 5.50, based on 1,267 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. Wise Finance's current Debt-to-EBITDA of 3.65 is 33.6% 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 Wise Finance. For the Real Estate industry, the median Debt-to-EBITDA is 5.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Wise Finance's current Debt-to-EBITDA is 3.65, which is 387% above median its own 10-year median of 0.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Wise Finance stock overvalued right now?
Based on GuruFocus' analysis, Wise Finance (WAR:IBS) is currently considered Fairly Valued. The stock's GF Value™ is zł46.89, compared to a current price of zł49.80 — trading 6.2% above its estimated fair value. The current Debt-to-EBITDA is 3.65, which is 387% above median its 10-year median of 0.75 and 33.6% below the Real Estate industry median of 5.50. Wise Finance's overall GF Score™ is 48/100 with 5 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 Wise Finance (WAR:IBS), the current Debt-to-EBITDA is 3.65 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 Wise Finance (WAR:IBS) Overvalued in 2026?
Based on GuruFocus' analysis, Wise Finance stock appears to be overvalued.
The current stock price of zł49.80 is trading 6.2% above its estimated GF Value™ of zł46.89.
GuruFocus considers Wise Finance to be Fairly Valued.
Key valuation signals for WAR:IBS:
Debt-to-EBITDA: 3.65 (387% above median its 10-year median of 0.75)
GF Value™: zł46.89 vs. price of zł49.80 (6.2% above fair value)
Industry Position: 33.6% below the Real Estate median (#928 of 1267)
No single metric tells the full story. See the WAR:IBS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Wise Finance SA formerly Noble Financials SA is engaged in investing, trading, implementing and managing real estate projects and development projects. The company's activity focuses on the implementation of high-quality housing projects and on office investments.
48GF Score
Get the complete analysis for WAR:IBS
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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