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SAB Finance ASXPRA:SABFG 58 Debt-to-EBITDA is 1.54 as of Dec. 2025, which is 71% above its 10-year median of 0.90. GuruFocus rates XPRA:SABFG with a GF Score™ of 58/100 and a GF Value™ of Kč986.62 (Fairly Valued). The stock has 7 warning signs investors should review. Among 417 Capital Markets companies, SAB Finance AS ranks better than 59.47% 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 SAB Finance AS's Debt-to-EBITDA or its related term are showing as below:
XPRA:SABFG'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.27 Med: 0.9 Max: 4.94
Current: 0.91
During the past 9 years, the highest Debt-to-EBITDA Ratio of SAB Finance AS was 4.94. The lowest was 0.27. And the median was 0.90.
XPRA:SABFG's Debt-to-EBITDA is ranked better than 59.47% of 417
companies
in the Capital Markets industry
Industry Median: 1.67
vs XPRA:SABFG: 0.91
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.
SAB Finance AS Debt-to-EBITDA Related Terms
SAB Finance AS Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for SAB Finance AS'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.
XPRA:SABFG vs MS, GS, SCHW: Debt-to-EBITDA Comparison
For the Capital Markets subindustry, SAB Finance AS'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.
SAB Finance AS Debt-to-EBITDA vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, SAB Finance AS's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where SAB Finance AS'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.
SAB Finance AS (XPRA:SABFG) has a Debt-to-EBITDA of 1.54 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 SAB Finance AS. This is 71% above median its historical median of 0.90. Over the past decade, SAB Finance AS's Debt-to-EBITDA has ranged from 0.27 to 4.94. According to the industry distribution chart, SAB Finance AS ranks #169 out of 417 companies in the Capital Markets industry, placing it in the top 40.5%.
Is SAB Finance AS's Debt-to-EBITDA too high?
SAB Finance AS's current Debt-to-EBITDA of 1.54 is 71% above median its 10-year median of 0.90. Over the past 10 years, this metric has ranged from a low of 0.27 to a high of 4.94. The Capital Markets industry median Debt-to-EBITDA is 1.67. SAB Finance AS's value of 1.54 is 7.8% below this industry median. Based on the distribution chart, SAB Finance AS ranks #169 out of 417 companies in the Capital Markets industry, which is above the industry midpoint. Overall, SAB Finance AS has a GF Score™ of 58/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does SAB Finance AS's Debt-to-EBITDA compare to MS and GS?
According to the Capital Markets industry distribution chart, SAB Finance AS ranks #169 out of 417 companies for Debt-to-EBITDA. This puts SAB Finance AS in the upper half of its industry. The industry median Debt-to-EBITDA is 1.67. SAB Finance AS's value of 1.54 is 7.8% below this benchmark. Historically, SAB Finance AS's own Debt-to-EBITDA has ranged from 0.27 to 4.94 over the past decade. While the company's 10-year median is 0.90 vs. the industry median of 1.67, SAB Finance AS has consistently been below 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 Capital Markets company?
The median Debt-to-EBITDA among Capital Markets companies is 1.67, based on 417 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. SAB Finance AS's current Debt-to-EBITDA of 1.54 is 7.8% below 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 SAB Finance AS. For the Capital Markets industry, the median Debt-to-EBITDA is 1.67 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SAB Finance AS's current Debt-to-EBITDA is 1.54, which is 71% above median its own 10-year median of 0.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SAB Finance AS stock overvalued right now?
Based on GuruFocus' analysis, SAB Finance AS (XPRA:SABFG) is currently considered Fairly Valued. The stock's GF Value™ is Kč986.62, compared to a current price of Kč1,060.00 — trading 7.4% above its estimated fair value. The current Debt-to-EBITDA is 1.54, which is 71% above median its 10-year median of 0.90 and 7.8% below the Capital Markets industry median of 1.67. SAB Finance AS's overall GF Score™ is 58/100 with 7 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 SAB Finance AS (XPRA:SABFG), the current Debt-to-EBITDA is 1.54 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 SAB Finance AS (XPRA:SABFG) Overvalued in 2026?
Based on GuruFocus' analysis, SAB Finance AS stock appears to be overvalued.
The current stock price of Kč1,060.00 is trading 7.4% above its estimated GF Value™ of Kč986.62.
GuruFocus considers SAB Finance AS to be Fairly Valued.
Key valuation signals for XPRA:SABFG:
Debt-to-EBITDA: 1.54 (71% above median its 10-year median of 0.90)
GF Value™: Kč986.62 vs. price of Kč1,060.00 (7.4% above fair value)
Industry Position: 7.8% below the Capital Markets median (#169 of 417)
No single metric tells the full story. See the XPRA:SABFG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SAB Finance AS is engaged in providing International Payment Solutions considering the foreign exchange fluctuations. Its platform allows to make outgoing payments and receive incoming payments. Some of the services offered by the company include Market Watch, Foreign Currency Analysis, Regular Payments, and Multi-Payments.
58GF Score
Get the complete analysis for XPRA:SABFG
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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