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Singular PeopleXMAD:SNG -0.48%72 Debt-to-EBITDA is 1.70 as of Dec. 2025, which is 36% above its 10-year median of 1.25. GuruFocus rates XMAD:SNG with a GF Score™ of 72/100 and a GF Value™ of €3.65 (Significantly Undervalued). The stock has 5 warning signs investors should review. Among 1,725 Software companies, Singular People ranks worse than 61.1% 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 Singular People's Debt-to-EBITDA or its related term are showing as below:
XMAD:SNG'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.93 Med: 1.25 Max: 2.01
Current: 1.74
During the past 9 years, the highest Debt-to-EBITDA Ratio of Singular People was 2.01. The lowest was 0.93. And the median was 1.25.
XMAD:SNG's Debt-to-EBITDA is ranked worse than 61.1% of 1725
companies
in the Software industry
Industry Median: 1.1
vs XMAD:SNG: 1.74
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.
Singular People Debt-to-EBITDA Related Terms
Singular People Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Singular People'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.
XMAD:SNG vs QH, SHOP, UBER: Debt-to-EBITDA Comparison
For the Software - Application subindustry, Singular People'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.
Singular People Debt-to-EBITDA vs Software Industry
For the Software industry and Technology sector, Singular People's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Singular People'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 two times the quarterly (Dec. 2025) EBITDA data.
Singular People (XMAD:SNG) has a Debt-to-EBITDA of 1.70 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 Singular People. This is 36% above median its historical median of 1.25. Over the past decade, Singular People's Debt-to-EBITDA has ranged from 0.93 to 2.01. According to the industry distribution chart, Singular People ranks #1054 out of 1725 companies in the Software industry, placing it in the top 61.1%.
Is Singular People's Debt-to-EBITDA too high?
Singular People's current Debt-to-EBITDA of 1.70 is 36% above median its 10-year median of 1.25. Over the past 10 years, this metric has ranged from a low of 0.93 to a high of 2.01. The Software industry median Debt-to-EBITDA is 1.10. Singular People's value of 1.70 is 54.5% above this industry median. Based on the distribution chart, Singular People ranks #1054 out of 1725 companies in the Software industry, which is below the industry midpoint. Overall, Singular People has a GF Score™ of 72/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Singular People's Debt-to-EBITDA compare to QH and SHOP?
According to the Software industry distribution chart, Singular People ranks #1054 out of 1725 companies for Debt-to-EBITDA. This places Singular People in the lower half of its industry. The industry median Debt-to-EBITDA is 1.10. Singular People's value of 1.70 is 54.5% above this benchmark. Historically, Singular People's own Debt-to-EBITDA has ranged from 0.93 to 2.01 over the past decade. While the company's 10-year median is 1.25 vs. the industry median of 1.10, Singular People 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 Software company?
The median Debt-to-EBITDA among Software companies is 1.10, based on 1,725 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. Singular People's current Debt-to-EBITDA of 1.70 is 54.5% 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 Singular People. 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. Singular People's current Debt-to-EBITDA is 1.70, which is 36% above median its own 10-year median of 1.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Singular People stock overvalued right now?
Based on GuruFocus' analysis, Singular People (XMAD:SNG) is currently considered Significantly Undervalued. The stock's GF Value™ is €3.65, compared to a current price of €2.09 — trading 42.7% below its estimated fair value. The current Debt-to-EBITDA is 1.70, which is 36% above median its 10-year median of 1.25 and 54.5% above the Software industry median of 1.10. Singular People's overall GF Score™ is 72/100 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 Singular People (XMAD:SNG), the current Debt-to-EBITDA is 1.70 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 Singular People (XMAD:SNG) Overvalued in 2026?
Based on GuruFocus' analysis, Singular People stock appears to be undervalued.
The current stock price of €2.09 is trading 42.7% below its estimated GF Value™ of €3.65.
GuruFocus considers Singular People to be Significantly Undervalued.
Key valuation signals for XMAD:SNG:
Debt-to-EBITDA: 1.70 (36% above median its 10-year median of 1.25)
GF Value™: €3.65 vs. price of €2.09 (42.7% below fair value)
Industry Position: 54.5% above the Software median (#1054 of 1725)
No single metric tells the full story. See the XMAD:SNG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Singular People SA is a software company. The company provides solutions to various industries including Energy & Utilities, Financial Services, Healthcare, Manufacturing, Retail, Museums, and Public services.
72GF Score
Get the complete analysis for XMAD:SNG
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