Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
IndosWAR:INS -1.15%87 Debt-to-EBITDA is 0.00 as of Mar. 2026. GuruFocus rates WAR:INS with a GF Score™ of 87/100 and a GF Value™ of zł3.88 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 284 Credit Services companies, Indos ranks better than 63.03% 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 Indos's Debt-to-EBITDA or its related term are showing as below:
WAR:INS'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 3.18 Med: 4.88 Max: 10.48
Current: 5.62
During the past 12 years, the highest Debt-to-EBITDA Ratio of Indos was 10.48. The lowest was 3.18. And the median was 4.88.
WAR:INS's Debt-to-EBITDA is ranked better than 63.03% of 284
companies
in the Credit Services industry
Industry Median: 9.3
vs WAR:INS: 5.62
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.
Indos Debt-to-EBITDA Related Terms
Indos Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Indos'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, Indos'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.
Indos Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Indos's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Indos'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.
Indos (WAR:INS) 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 Indos. Over the past decade, Indos' Debt-to-EBITDA has ranged from 3.18 to 10.48. According to the industry distribution chart, Indos ranks #105 out of 284 companies in the Credit Services industry, placing it in the top 37%.
Is Indos' Debt-to-EBITDA too high?
Indos' current Debt-to-EBITDA is 0.00. Over the past 10 years, this metric has ranged from a low of 3.18 to a high of 10.48. Based on the distribution chart, Indos ranks #105 out of 284 companies in the Credit Services industry, which is above the industry midpoint. Overall, Indos has a GF Score™ of 87/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Indos' Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Indos ranks #105 out of 284 companies for Debt-to-EBITDA. This puts Indos in the upper half of its industry. The industry median Debt-to-EBITDA is 9.30. Historically, Indos' own Debt-to-EBITDA has ranged from 3.18 to 10.48 over the past decade. 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 9.30, based on 284 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 Indos. For the Credit Services industry, the median Debt-to-EBITDA is 9.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Indos'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 Indos stock overvalued right now?
Based on GuruFocus' analysis, Indos (WAR:INS) is currently considered Modestly Undervalued. The stock's GF Value™ is zł3.88, compared to a current price of zł3.44 — trading 11.3% below its estimated fair value. The current Debt-to-EBITDA is 0.00. Indos' overall GF Score™ is 87/100 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 Indos (WAR:INS), 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 Indos (WAR:INS) Overvalued in 2026?
Based on GuruFocus' analysis, Indos stock appears to be undervalued.
The current stock price of zł3.44 is trading 11.3% below its estimated GF Value™ of zł3.88.
GuruFocus considers Indos to be Modestly Undervalued.
Key valuation signals for WAR:INS:
Debt-to-EBITDA: 0.00
GF Value™: zł3.88 vs. price of zł3.44 (11.3% below fair value)
No single metric tells the full story. See the WAR:INS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
WAR:INS has been successfully added to your 
