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Fintel Energija a.dXBEL:FINT 83 Debt-to-EBITDA is 40.68 as of Dec. 2025, which is 329% above its 10-year median of 9.49. GuruFocus rates XBEL:FINT with a GF Score™ of 83/100 and a GF Value™ of RSD702.50 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 340 Utilities - Independent Power Producers companies, Fintel Energija a.d ranks worse than 99.41% 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 Fintel Energija a.d's Debt-to-EBITDA or its related term are showing as below:
XBEL:FINT'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 6.9 Med: 9.49 Max: 122.36
Current: 122.36
During the past 9 years, the highest Debt-to-EBITDA Ratio of Fintel Energija a.d was 122.36. The lowest was 6.90. And the median was 9.49.
XBEL:FINT's Debt-to-EBITDA is ranked worse than 99.41% of 340
companies
in the Utilities - Independent Power Producers industry
Industry Median: 4.625
vs XBEL:FINT: 122.36
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.
Fintel Energija a.d Debt-to-EBITDA Related Terms
Fintel Energija a.d Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Fintel Energija a.d'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.
Fintel Energija a.d Debt-to-EBITDA Competitor Comparison
For the Utilities - Renewable subindustry, Fintel Energija a.d'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.
Fintel Energija a.d Debt-to-EBITDA vs Utilities - Independent Power Producers Industry
For the Utilities - Independent Power Producers industry and Utilities sector, Fintel Energija a.d's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Fintel Energija a.d'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 (Dec. 2025) EBITDA data.
Fintel Energija a.d (XBEL:FINT) has a Debt-to-EBITDA of 40.68 as of Dec. 2025. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Fintel Energija a.d. This is 329% above median its historical median of 9.49. Over the past decade, Fintel Energija a.d's Debt-to-EBITDA has ranged from 6.90 to 122.36. According to the industry distribution chart, Fintel Energija a.d ranks #338 out of 340 companies in the Utilities - Independent Power Producers industry, placing it in the top 99.4%.
Is Fintel Energija a.d's Debt-to-EBITDA too high?
Fintel Energija a.d's current Debt-to-EBITDA of 40.68 is 329% above median its 10-year median of 9.49. Over the past 10 years, this metric has ranged from a low of 6.90 to a high of 122.36. The Utilities - Independent Power Producers industry median Debt-to-EBITDA is 4.63. Fintel Energija a.d's value of 40.68 is 779.6% above this industry median. Based on the distribution chart, Fintel Energija a.d ranks #338 out of 340 companies in the Utilities - Independent Power Producers industry, which is in the bottom quartile relative to peers. Overall, Fintel Energija a.d has a GF Score™ of 83/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Fintel Energija a.d's Debt-to-EBITDA compare to competitors?
According to the Utilities - Independent Power Producers industry distribution chart, Fintel Energija a.d ranks #338 out of 340 companies for Debt-to-EBITDA. This places Fintel Energija a.d in the lower half of its industry. The industry median Debt-to-EBITDA is 4.63. Fintel Energija a.d's value of 40.68 is 779.6% above this benchmark. Historically, Fintel Energija a.d's own Debt-to-EBITDA has ranged from 6.90 to 122.36 over the past decade. While the company's 10-year median is 9.49 vs. the industry median of 4.63, Fintel Energija a.d has consistently been above 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 an Utilities - Independent Power Producers company?
The median Debt-to-EBITDA among Utilities - Independent Power Producers companies is 4.63, based on 340 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. Fintel Energija a.d's current Debt-to-EBITDA of 40.68 is 779.6% 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 Fintel Energija a.d. For the Utilities - Independent Power Producers industry, the median Debt-to-EBITDA is 4.63 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fintel Energija a.d's current Debt-to-EBITDA is 40.68, which is 329% above median its own 10-year median of 9.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fintel Energija a.d stock overvalued right now?
Based on GuruFocus' analysis, Fintel Energija a.d (XBEL:FINT) is currently considered Modestly Undervalued. The stock's GF Value™ is RSD702.50, compared to a current price of RSD600.00 — trading 14.6% below its estimated fair value. The current Debt-to-EBITDA is 40.68, which is 329% above median its 10-year median of 9.49 and 779.6% above the Utilities - Independent Power Producers industry median of 4.63. Fintel Energija a.d's overall GF Score™ is 83/100 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 Fintel Energija a.d (XBEL:FINT), the current Debt-to-EBITDA is 40.68 as of Dec. 2025. 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 Fintel Energija a.d (XBEL:FINT) Overvalued in 2026?
Based on GuruFocus' analysis, Fintel Energija a.d stock appears to be undervalued.
The current stock price of RSD600.00 is trading 14.6% below its estimated GF Value™ of RSD702.50.
GuruFocus considers Fintel Energija a.d to be Modestly Undervalued.
Key valuation signals for XBEL:FINT:
Debt-to-EBITDA: 40.68 (329% above median its 10-year median of 9.49)
GF Value™: RSD702.50 vs. price of RSD600.00 (14.6% below fair value)
Industry Position: 779.6% above the Utilities - Independent Power Producers median (#338 of 340)
No single metric tells the full story. See the XBEL:FINT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Fintel Energija a.d is involved in the generation of power business which is sold only to EPS through wind power generation technology. It operates only one operating segment wind renewable energy sector. Currently, the company is engaged in the development, construction, and management of a wind power plant portfolio consisting of new wind farms in the north and northeast of Serbia.
83GF Score
Get the complete analysis for XBEL:FINT
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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