Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Menif Financial ServicesXTAE:MNIF 89 Debt-to-EBITDA is 11.84 as of Jun. 2026, which is 10% below its 10-year median of 13.22. GuruFocus rates XTAE:MNIF with a GF Score™ of 89/100 and a GF Value™ of ₪23.07 (Fairly Valued). The stock has 5 warning signs investors should review. Among 286 Credit Services companies, Menif Financial Services ranks worse than 61.89% 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 Menif Financial Services's Debt-to-EBITDA or its related term are showing as below:
XTAE:MNIF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 10.33 Med: 13.22 Max: 31.53
Current: 11.93
During the past 9 years, the highest Debt-to-EBITDA Ratio of Menif Financial Services was 31.53. The lowest was 10.33. And the median was 13.22.
XTAE:MNIF's Debt-to-EBITDA is ranked worse than 61.89% of 286
companies
in the Credit Services industry
Industry Median: 8.37
vs XTAE:MNIF: 11.93
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.
Menif Financial Services Debt-to-EBITDA Related Terms
Menif Financial Services 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.
XTAE:MNIF vs V, MA, AXP: Debt-to-EBITDA Comparison
For the Credit Services subindustry, Menif Financial Services'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.
Menif Financial Services Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Menif Financial Services's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Menif Financial Services'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.
Menif Financial Services (XTAE:MNIF) has a Debt-to-EBITDA of 11.84 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 Menif Financial Services. This is 10% below median its historical median of 13.22. Over the past decade, Menif Financial Services' Debt-to-EBITDA has ranged from 10.33 to 31.53. According to the industry distribution chart, Menif Financial Services ranks #177 out of 286 companies in the Credit Services industry, placing it in the top 61.9%.
Is Menif Financial Services' Debt-to-EBITDA too high?
Menif Financial Services' current Debt-to-EBITDA of 11.84 is 10% below median its 10-year median of 13.22. Over the past 10 years, this metric has ranged from a low of 10.33 to a high of 31.53. The Credit Services industry median Debt-to-EBITDA is 8.37. Menif Financial Services' value of 11.84 is 41.5% above this industry median. Based on the distribution chart, Menif Financial Services ranks #177 out of 286 companies in the Credit Services industry, which is below the industry midpoint. Overall, Menif Financial Services has a GF Score™ of 89/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Menif Financial Services' Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Menif Financial Services ranks #177 out of 286 companies for Debt-to-EBITDA. This places Menif Financial Services in the lower half of its industry. The industry median Debt-to-EBITDA is 8.37. Menif Financial Services' value of 11.84 is 41.5% above this benchmark. Historically, Menif Financial Services' own Debt-to-EBITDA has ranged from 10.33 to 31.53 over the past decade. While the company's 10-year median is 13.22 vs. the industry median of 8.37, Menif Financial Services 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 8.37, based on 286 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. Menif Financial Services's current Debt-to-EBITDA of 11.84 is 41.5% 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 Menif Financial Services. For the Credit Services industry, the median Debt-to-EBITDA is 8.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Menif Financial Services's current Debt-to-EBITDA is 11.84, which is 10% below median its own 10-year median of 13.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Menif Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Menif Financial Services (XTAE:MNIF) is currently considered Fairly Valued. The stock's GF Value™ is ₪23.07, compared to a current price of ₪23.28 — trading 0.9% above its estimated fair value. The current Debt-to-EBITDA is 11.84, which is 10% below median its 10-year median of 13.22 and 41.5% above the Credit Services industry median of 8.37. Menif Financial Services' overall GF Score™ is 89/100 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 Menif Financial Services (XTAE:MNIF), the current Debt-to-EBITDA is 11.84 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 Menif Financial Services (XTAE:MNIF) Overvalued in 2026?
Based on GuruFocus' analysis, Menif Financial Services stock appears to be overvalued.
The current stock price of ₪23.28 is trading 0.9% above its estimated GF Value™ of ₪23.07.
GuruFocus considers Menif Financial Services to be Fairly Valued.
Key valuation signals for XTAE:MNIF:
Debt-to-EBITDA: 11.84 (10% below median its 10-year median of 13.22)
GF Value™: ₪23.07 vs. price of ₪23.28 (0.9% above fair value)
Industry Position: 41.5% above the Credit Services median (#177 of 286)
No single metric tells the full story. See the XTAE:MNIF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Menif Financial Services Ltd is engaged in providing mezzanine financing for equity to promoters and contractors in the construction industry. It offers financing for reinforcement and construction projects, small construction evacuation projects, and large-scale construction evacuation projects.
89GF Score
Get the complete analysis for XTAE:MNIF
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XTAE:MNIF has been successfully added to your 
