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 Software Mansion S A's Debt-to-EBITDA or its related term are showing as below:
WAR:SWM'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0 Med: 0 Max: 1.1
Current: 1.1
During the past 5 years, the highest Debt-to-EBITDA Ratio of Software Mansion S A was 1.10. The lowest was 0.00. And the median was 0.00.
WAR:SWM's Debt-to-EBITDA is ranked worse than 50.06% of 1706
companies
in the Software industry
Industry Median: 1.095
vs WAR:SWM: 1.10
Software Mansion S A (WAR:SWM) Debt-to-EBITDA Explanation
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.
Software Mansion S A Debt-to-EBITDA Related Terms
Software Mansion S A Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Software Mansion S A'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:SWM vs MSFT, ORCL, PLTR: Debt-to-EBITDA Comparison
For the Software - Infrastructure subindustry, Software Mansion S A'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.
Software Mansion S A Debt-to-EBITDA vs Software Industry
For the Software industry and Technology sector, Software Mansion S A's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Software Mansion S A'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.
Software Mansion S A (WAR:SWM) has a Debt-to-EBITDA of 1.28 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 Software Mansion S A. According to the industry distribution chart, Software Mansion S A ranks #854 out of 1706 companies in the Software industry, placing it in the top 50.1%.
Is Software Mansion S A's Debt-to-EBITDA too high?
Software Mansion S A's current Debt-to-EBITDA is 1.28. The Software industry median Debt-to-EBITDA is 1.10. Software Mansion S A's value of 1.28 is 16.9% above this industry median. Based on the distribution chart, Software Mansion S A ranks #854 out of 1706 companies in the Software industry, which is below the industry midpoint. Overall, Software Mansion S A has a GF Score™ of 39/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Software Mansion S A's Debt-to-EBITDA compare to MSFT and ORCL?
According to the Software industry distribution chart, Software Mansion S A ranks #854 out of 1706 companies for Debt-to-EBITDA. This places Software Mansion S A in the lower half of its industry. The industry median Debt-to-EBITDA is 1.10. Software Mansion S A's value of 1.28 is 16.9% above this benchmark. 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 1.10, based on 1,706 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. Software Mansion S A's current Debt-to-EBITDA of 1.28 is 16.9% 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 Software Mansion S A. For the Software industry, the median Debt-to-EBITDA is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Software Mansion S A's current Debt-to-EBITDA is 1.28. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Software Mansion S A stock overvalued right now?
Based on GuruFocus' analysis, Software Mansion S A (WAR:SWM) is currently considered Possible Value Trap. The stock's GF Value™ is zł45.91, compared to a current price of zł28.00 — trading 39% below its estimated fair value. The current Debt-to-EBITDA is 1.28 and 16.9% above the Software industry median of 1.10. Software Mansion S A's overall GF Score™ is 39/100 with 2 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 Software Mansion S A (WAR:SWM), the current Debt-to-EBITDA is 1.28 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 Software Mansion S A (WAR:SWM) Overvalued in 2026?
Based on GuruFocus' analysis, Software Mansion S A stock appears to be undervalued.
The current stock price of zł28.00 is trading 39% below its estimated GF Value™ of zł45.91.
GuruFocus considers Software Mansion S A to be Possible Value Trap.
Key valuation signals for WAR:SWM:
Debt-to-EBITDA: 1.28
GF Value™: zł45.91 vs. price of zł28.00 (39% below fair value)
Industry Position: 16.9% above the Software median (#854 of 1706)
No single metric tells the full story. See the WAR:SWM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Software Mansion S A is Krakow based software company that deals with solving technological challenges for their clients and developing open-source technologies. It cooperates with a variety of clients, including technological start-ups from Silicon Valley and New York, as well as well-known companies with a stable position on the market. Their portfolio includes projects from industries such as Ed-Tech, Fin-Tech, blockchain, healthcare, e-commerce, multimedia and consumer applications.
39GF Score
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