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NPL NovaWAR:PRI +2.33%58 Debt-to-EBITDA is -2.10 as of Mar. 2026. GuruFocus rates WAR:PRI with a GF Score™ of 58/100 and a GF Value™ of zł7.81 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 284 Credit Services companies, NPL Nova ranks worse than 352112.32% 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 NPL Nova's Debt-to-EBITDA or its related term are showing as below:
WAR:PRI'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -11.58 Med: -4.22 Max: 206.13
Current: -2.07
During the past 13 years, the highest Debt-to-EBITDA Ratio of NPL Nova was 206.13. The lowest was -11.58. And the median was -4.22.
WAR:PRI's Debt-to-EBITDA is ranked worse than 100% of 284
companies
in the Credit Services industry
Industry Median: 9.2
vs WAR:PRI: -2.07
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.
NPL Nova Debt-to-EBITDA Related Terms
NPL Nova Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for NPL Nova'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, NPL Nova'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.
NPL Nova Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, NPL Nova's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where NPL Nova'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.
NPL Nova (WAR:PRI) has a Debt-to-EBITDA of -2.10 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 NPL Nova. According to the industry distribution chart, NPL Nova ranks #999999 out of 284 companies in the Credit Services industry.
Is NPL Nova's Debt-to-EBITDA too high?
NPL Nova's current Debt-to-EBITDA is -2.10. Based on the distribution chart, NPL Nova ranks #999999 out of 284 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, NPL Nova has a GF Score™ of 58/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does NPL Nova's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, NPL Nova ranks #999999 out of 284 companies for Debt-to-EBITDA. This places NPL Nova in the lower half of its industry. The industry median Debt-to-EBITDA is 9.20. 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 9.20, 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 NPL Nova. For the Credit Services industry, the median Debt-to-EBITDA is 9.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NPL Nova's current Debt-to-EBITDA is -2.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NPL Nova stock overvalued right now?
Based on GuruFocus' analysis, NPL Nova (WAR:PRI) is currently considered Possible Value Trap. The stock's GF Value™ is zł7.81, compared to a current price of zł3.52 — trading 54.9% below its estimated fair value. The current Debt-to-EBITDA is -2.10. NPL Nova's overall GF Score™ is 58/100 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 NPL Nova (WAR:PRI), the current Debt-to-EBITDA is -2.10 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 NPL Nova (WAR:PRI) Overvalued in 2026?
Based on GuruFocus' analysis, NPL Nova stock appears to be undervalued.
The current stock price of zł3.52 is trading 54.9% below its estimated GF Value™ of zł7.81.
GuruFocus considers NPL Nova to be Possible Value Trap.
Key valuation signals for WAR:PRI:
Debt-to-EBITDA: -2.10
GF Value™: zł7.81 vs. price of zł3.52 (54.9% below fair value)
No single metric tells the full story. See the WAR:PRI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NPL Nova SA is a Poland based company engaged in the debt collection services. It specializes in recovering the amounts due to economic turnover and providing debt management services.
58GF Score
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