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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 Investment Friends SE's Debt-to-EBITDA or its related term are showing as below:
During the past 13 years, the highest Debt-to-EBITDA Ratio of Investment Friends SE was 12.87. The lowest was -2.14. And the median was 5.36.
WAR:IFR's Debt-to-EBITDA is not ranked *
in the Credit Services industry.
Industry Median: 9 * Ranked among companies with meaningful Debt-to-EBITDA only.
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.
Investment Friends SE Debt-to-EBITDA Related Terms
Investment Friends SE Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Investment Friends SE'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 Credit Services subindustry, Investment Friends SE'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.
Investment Friends SE Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Investment Friends SE's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Investment Friends SE'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.
Investment Friends SE (WAR:IFR) has a Debt-to-EBITDA of 0.00 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 Investment Friends SE. According to the industry distribution chart, Investment Friends SE ranks #999999 out of 285 companies in the Credit Services industry.
Is Investment Friends SE's Debt-to-EBITDA too high?
Investment Friends SE's current Debt-to-EBITDA is 0.00. Based on the distribution chart, Investment Friends SE ranks #999999 out of 285 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Investment Friends SE has a GF Score™ of 34/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Investment Friends SE's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Investment Friends SE ranks #999999 out of 285 companies for Debt-to-EBITDA. This places Investment Friends SE in the lower half of its industry. The industry median Debt-to-EBITDA is 9.00. 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 Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 9.00, based on 285 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 Investment Friends SE. For the Credit Services industry, the median Debt-to-EBITDA is 9.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Investment Friends SE's current Debt-to-EBITDA is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Investment Friends SE stock overvalued right now?
Based on GuruFocus' analysis, Investment Friends SE (WAR:IFR) is currently considered Possible Value Trap. The stock's GF Value™ is zł0.49, compared to a current price of zł0.12 — trading 76.3% below its estimated fair value. The current Debt-to-EBITDA is 0.00. Investment Friends SE's overall GF Score™ is 34/100 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 Investment Friends SE (WAR:IFR), the current Debt-to-EBITDA is 0.00 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 Investment Friends SE (WAR:IFR) Overvalued in 2026?
Based on GuruFocus' analysis, Investment Friends SE stock appears to be undervalued.
The current stock price of zł0.12 is trading 76.3% below its estimated GF Value™ of zł0.49.
GuruFocus considers Investment Friends SE to be Possible Value Trap.
Key valuation signals for WAR:IFR:
Debt-to-EBITDA: 0.00
GF Value™: zł0.49 vs. price of zł0.12 (76.3% below fair value)
No single metric tells the full story. See the WAR:IFR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Investment Friends SE provides financial services, mainly granting loans and generating revenue from interest on loans granted. The company derives the majority of its revenue from customers in Estonia, with the remainder from Poland. Loans granted to related parties were subsequently invested by those entities in real estate and tradeable securities.
34GF Score
Get the complete analysis for WAR:IFR
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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