Investment Friends SE (WAR:IFR) 3-Year EBITDA Growth Rate: -12.60% (As of Mar. 2026)

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WAR:IFR Investment Friends SE WAR:IFR
33 GF Score
Price zł0.12
GF Value zł0.48
Valuation Possible Value Trap
! 3 Warning Signs
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What is Investment Friends SE 3-Year EBITDA Growth Rate?

Investment Friends SE WAR:IFR -0.83% 33 3-Year EBITDA Growth Rate is -12.60% as of Mar. 2026. GuruFocus rates WAR:IFR with a GF Score™ of 33/100 and a GF Value™ of zł0.48 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 326 Credit Services companies, Investment Friends SE ranks worse than 78.83% on this metric.

Investment Friends SE's EBITDA per Share for the three months ended in Mar. 2026 was zł0.00.

During the past 12 months, Investment Friends SE's average EBITDA Per Share Growth Rate was -50.00% per year. During the past 3 years, the average EBITDA Per Share Growth Rate was -12.60% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.

During the past 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of Investment Friends SE was 36.30% per year. The lowest was -69.70% per year. And the median was -12.60% per year.

Investment Friends SE  (WAR:IFR) 3-Year EBITDA Growth Rate Explanation

EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.

Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.

Investment Friends SE 3-Year EBITDA Growth Rate Related Terms

WAR:IFR vs V, MA, AXP: 3-Year EBITDA Growth Rate Comparison

For the Credit Services subindustry, Investment Friends SE's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA Growth Rate 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.

Investment Friends SE 3-Year EBITDA Growth Rate vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Investment Friends SE's 3-Year EBITDA Growth Rate distribution charts can be found below:

* The bar in red indicates where Investment Friends SE's 3-Year EBITDA Growth Rate falls into.


WAR:IFR
33GF Score
Investment Friends SE WAR:IFR
3-Year EBITDA Growth Rate is just one metric. See GF Score™, valuation, warning signs, and more.
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Investment Friends SE 3-Year EBITDA Growth Rate Calculation

This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.

Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.

What does a 3-Year EBITDA Growth Rate of -12.60% mean?
Investment Friends SE (WAR:IFR) has a 3-Year EBITDA Growth Rate of -12.60% as of Mar. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Investment Friends SE and its competitors. According to the industry distribution chart, Investment Friends SE ranks #257 out of 326 companies in the Credit Services industry, placing it in the top 78.8%.
Is Investment Friends SE's 3-Year EBITDA Growth Rate too high?
Investment Friends SE's current 3-Year EBITDA Growth Rate is -12.60%. Based on the distribution chart, Investment Friends SE ranks #257 out of 326 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Investment Friends SE has a GF Score™ of 33/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Investment Friends SE's 3-Year EBITDA Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, Investment Friends SE ranks #257 out of 326 companies for 3-Year EBITDA Growth Rate. This places Investment Friends SE in the lower half of its industry. The industry median 3-Year EBITDA Growth Rate is 10.20. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EBITDA Growth Rate for a Credit Services company?
The median 3-Year EBITDA Growth Rate among Credit Services companies is 10.20, based on 326 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Investment Friends SE and its competitors. For the Credit Services industry, the median 3-Year EBITDA Growth Rate is 10.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Investment Friends SE's current 3-Year EBITDA Growth Rate is -12.60%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Investment Friends SE stock overvalued right now?
Based on GuruFocus' analysis, Investment Friends SE (WAR:IFR) is currently considered Possible Value Trap. The stock's GF Value™ is zł0.48, compared to a current price of zł0.12 — trading 75.2% below its estimated fair value. The current 3-Year EBITDA Growth Rate is -12.60%. Investment Friends SE's overall GF Score™ is 33/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For Investment Friends SE (WAR:IFR), the current 3-Year EBITDA Growth Rate is -12.60% as of Mar. 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 Investment Friends SE (WAR:IFR) Overvalued in 2026?

Based on GuruFocus' analysis, Investment Friends SE stock appears to be undervalued. The current stock price of zł0.12 is trading 75.2% below its estimated GF Value™ of zł0.48. GuruFocus considers Investment Friends SE to be Possible Value Trap.

Key valuation signals for WAR:IFR:

  • 3-Year EBITDA Growth Rate: -12.60%
  • GF Value™: zł0.48 vs. price of zł0.12 (75.2% below fair value)
  • GF Score™: 33/100 with 3 warning signs

No single metric tells the full story. See the WAR:IFR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Investment Friends SE Business Description

Address Tornimae Street 5, Harju Maakond, Kesklinna Linnaosa, Tallinn, EST, 10145
Investment Friends SE provides financial services, mainly granting loans and generating revenue from interest on loans granted. The company derives the majority of its revenue from customers in Estonia, with the remainder from Poland. Loans granted to related parties were subsequently invested by those entities in real estate and tradeable securities.
33GF Score

Get the complete analysis for WAR:IFR

3-Year EBITDA Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

zł0.12
Price
zł0.48
GF Value