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.
CIAK Grupa DDZAG:CIAK -0.81%88 Debt-to-EBITDA is 2.69 as of Jun. 2026, which is 17% below its 10-year median of 3.25. GuruFocus rates ZAG:CIAK with a GF Score™ of 88/100 and a GF Value™ of €9.19 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,102 Vehicles & Parts companies, CIAK Grupa DD ranks worse than 56.17% 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 CIAK Grupa DD's Debt-to-EBITDA or its related term are showing as below:
ZAG:CIAK'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 2.67 Med: 3.25 Max: 3.71
Current: 2.67
During the past 6 years, the highest Debt-to-EBITDA Ratio of CIAK Grupa DD was 3.71. The lowest was 2.67. And the median was 3.25.
ZAG:CIAK's Debt-to-EBITDA is ranked worse than 56.17% of 1102
companies
in the Vehicles & Parts industry
Industry Median: 2.275
vs ZAG:CIAK: 2.67
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.
CIAK Grupa DD Debt-to-EBITDA Related Terms
CIAK Grupa DD Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for CIAK Grupa DD'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.
ZAG:CIAK vs ORLY, AZO, GPC: Debt-to-EBITDA Comparison
For the Auto Parts subindustry, CIAK Grupa DD'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.
CIAK Grupa DD Debt-to-EBITDA vs Vehicles & Parts Industry
For the Vehicles & Parts industry and Consumer Cyclical sector, CIAK Grupa DD's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where CIAK Grupa DD'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.
CIAK Grupa DD (ZAG:CIAK) has a Debt-to-EBITDA of 2.69 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 CIAK Grupa DD. This is 17% below median its historical median of 3.25. Over the past decade, CIAK Grupa DD's Debt-to-EBITDA has ranged from 2.67 to 3.71. According to the industry distribution chart, CIAK Grupa DD ranks #619 out of 1102 companies in the Vehicles & Parts industry, placing it in the top 56.2%.
Is CIAK Grupa DD's Debt-to-EBITDA too high?
CIAK Grupa DD's current Debt-to-EBITDA of 2.69 is 17% below median its 10-year median of 3.25. Over the past 10 years, this metric has ranged from a low of 2.67 to a high of 3.71. The Vehicles & Parts industry median Debt-to-EBITDA is 2.28. CIAK Grupa DD's value of 2.69 is 18.2% above this industry median. Based on the distribution chart, CIAK Grupa DD ranks #619 out of 1102 companies in the Vehicles & Parts industry, which is below the industry midpoint. Overall, CIAK Grupa DD has a GF Score™ of 88/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does CIAK Grupa DD's Debt-to-EBITDA compare to ORLY and AZO?
According to the Vehicles & Parts industry distribution chart, CIAK Grupa DD ranks #619 out of 1102 companies for Debt-to-EBITDA. This places CIAK Grupa DD in the lower half of its industry. The industry median Debt-to-EBITDA is 2.28. CIAK Grupa DD's value of 2.69 is 18.2% above this benchmark. Historically, CIAK Grupa DD's own Debt-to-EBITDA has ranged from 2.67 to 3.71 over the past decade. While the company's 10-year median is 3.25 vs. the industry median of 2.28, CIAK Grupa DD 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 Vehicles & Parts company?
The median Debt-to-EBITDA among Vehicles & Parts companies is 2.28, based on 1,102 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. CIAK Grupa DD's current Debt-to-EBITDA of 2.69 is 18.2% 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 CIAK Grupa DD. For the Vehicles & Parts industry, the median Debt-to-EBITDA is 2.28 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CIAK Grupa DD's current Debt-to-EBITDA is 2.69, which is 17% below median its own 10-year median of 3.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CIAK Grupa DD stock overvalued right now?
Based on GuruFocus' analysis, CIAK Grupa DD (ZAG:CIAK) is currently considered Significantly Overvalued. The stock's GF Value™ is €9.19, compared to a current price of €12.20 — trading 32.8% above its estimated fair value. The current Debt-to-EBITDA is 2.69, which is 17% below median its 10-year median of 3.25 and 18.2% above the Vehicles & Parts industry median of 2.28. CIAK Grupa DD's overall GF Score™ is 88/100 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 CIAK Grupa DD (ZAG:CIAK), the current Debt-to-EBITDA is 2.69 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 CIAK Grupa DD (ZAG:CIAK) Overvalued in 2026?
Based on GuruFocus' analysis, CIAK Grupa DD stock appears to be overvalued.
The current stock price of €12.20 is trading 32.8% above its estimated GF Value™ of €9.19.
GuruFocus considers CIAK Grupa DD to be Significantly Overvalued.
Key valuation signals for ZAG:CIAK:
Debt-to-EBITDA: 2.69 (17% below median its 10-year median of 3.25)
GF Value™: €9.19 vs. price of €12.20 (32.8% above fair value)
Industry Position: 18.2% above the Vehicles & Parts median (#619 of 1102)
No single metric tells the full story. See the ZAG:CIAK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CIAK Grupa DD is engaged in the wholesale and retail of automotive parts as well as waste management. The company's operating business segments include the Auto program - vehicles, Truck program, Batteries, oils and similar, Wholesale, and Ecology. A majority of its revenue is generated from the Auto program - vehicles segment, which operates as a retail channel for sales of auto parts in the Independent Aftermarket (IAM), i.e. market for repair and maintenance of vehicles. Typical products offered in this segment are brakes, filters, wipers, shock absorbers, lights, suspension parts, batteries, tires, oils, antifreeze, accessories, etc. Geographically, the company generates maximum revenue from Croatia, and the rest from Serbia, Bosnia and Herzegovina, Slovenia, and other regions.
88GF Score
Get the complete analysis for ZAG:CIAK
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
ZAG:CIAK has been successfully added to your 
