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ELANA Agrocredit AD SofiaXBUL:EAC 32 Debt-to-EBITDA is 17.83 as of Jun. 2026, which is 102% above its 10-year median of 8.81. GuruFocus rates XBUL:EAC with a GF Score™ of 32/100 and a GF Value™ of €0.64 (Modestly Undervalued). The stock has 9 warning signs investors should review. Among 285 Credit Services companies, ELANA Agrocredit AD Sofia ranks worse than 66.32% 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 ELANA Agrocredit AD Sofia's Debt-to-EBITDA or its related term are showing as below:
XBUL:EAC'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 3.78 Med: 8.81 Max: 13.83
Current: 13.54
During the past 13 years, the highest Debt-to-EBITDA Ratio of ELANA Agrocredit AD Sofia was 13.83. The lowest was 3.78. And the median was 8.81.
XBUL:EAC's Debt-to-EBITDA is ranked worse than 66.32% of 285
companies
in the Credit Services industry
Industry Median: 8.44
vs XBUL:EAC: 13.54
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.
ELANA Agrocredit AD Sofia Debt-to-EBITDA Related Terms
ELANA Agrocredit AD Sofia Debt-to-EBITDA Historical Data
* 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, ELANA Agrocredit AD Sofia'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.
ELANA Agrocredit AD Sofia Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ELANA Agrocredit AD Sofia's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where ELANA Agrocredit AD Sofia'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 (Jun. 2026) EBITDA data.
ELANA Agrocredit AD Sofia (XBUL:EAC) has a Debt-to-EBITDA of 17.83 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on ELANA Agrocredit AD Sofia. This is 102% above median its historical median of 8.81. Over the past decade, ELANA Agrocredit AD Sofia's Debt-to-EBITDA has ranged from 3.78 to 13.83. According to the industry distribution chart, ELANA Agrocredit AD Sofia ranks #189 out of 285 companies in the Credit Services industry, placing it in the top 66.3%.
Is ELANA Agrocredit AD Sofia's Debt-to-EBITDA too high?
ELANA Agrocredit AD Sofia's current Debt-to-EBITDA of 17.83 is 102% above median its 10-year median of 8.81. Over the past 10 years, this metric has ranged from a low of 3.78 to a high of 13.83. The Credit Services industry median Debt-to-EBITDA is 8.44. ELANA Agrocredit AD Sofia's value of 17.83 is 111.3% above this industry median. Based on the distribution chart, ELANA Agrocredit AD Sofia ranks #189 out of 285 companies in the Credit Services industry, which is below the industry midpoint. Overall, ELANA Agrocredit AD Sofia has a GF Score™ of 32/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does ELANA Agrocredit AD Sofia's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, ELANA Agrocredit AD Sofia ranks #189 out of 285 companies for Debt-to-EBITDA. This places ELANA Agrocredit AD Sofia in the lower half of its industry. The industry median Debt-to-EBITDA is 8.44. ELANA Agrocredit AD Sofia's value of 17.83 is 111.3% above this benchmark. Historically, ELANA Agrocredit AD Sofia's own Debt-to-EBITDA has ranged from 3.78 to 13.83 over the past decade. While the company's 10-year median is 8.81 vs. the industry median of 8.44, ELANA Agrocredit AD Sofia 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 a Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 8.44, 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. ELANA Agrocredit AD Sofia's current Debt-to-EBITDA of 17.83 is 111.3% 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 ELANA Agrocredit AD Sofia. For the Credit Services industry, the median Debt-to-EBITDA is 8.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ELANA Agrocredit AD Sofia's current Debt-to-EBITDA is 17.83, which is 102% above median its own 10-year median of 8.81. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ELANA Agrocredit AD Sofia stock overvalued right now?
Based on GuruFocus' analysis, ELANA Agrocredit AD Sofia (XBUL:EAC) is currently considered Modestly Undervalued. The stock's GF Value™ is €0.64, compared to a current price of €0.52 — trading 19.5% below its estimated fair value. The current Debt-to-EBITDA is 17.83, which is 102% above median its 10-year median of 8.81 and 111.3% above the Credit Services industry median of 8.44. ELANA Agrocredit AD Sofia's overall GF Score™ is 32/100 with 9 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 ELANA Agrocredit AD Sofia (XBUL:EAC), the current Debt-to-EBITDA is 17.83 as of Jun. 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 ELANA Agrocredit AD Sofia (XBUL:EAC) Overvalued in 2026?
Based on GuruFocus' analysis, ELANA Agrocredit AD Sofia stock appears to be undervalued.
The current stock price of €0.52 is trading 19.5% below its estimated GF Value™ of €0.64.
GuruFocus considers ELANA Agrocredit AD Sofia to be Modestly Undervalued.
Key valuation signals for XBUL:EAC:
Debt-to-EBITDA: 17.83 (102% above median its 10-year median of 8.81)
GF Value™: €0.64 vs. price of €0.52 (19.5% below fair value)
Industry Position: 111.3% above the Credit Services median (#189 of 285)
No single metric tells the full story. See the XBUL:EAC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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