PBS FinanseWAR:PBF 75 EBITDA Margin % is -11.05% as of Mar. 2026. GuruFocus rates WAR:PBF with a GF Score™ of 75/100 and a GF Value™ of zł1.36 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 411 Credit Services companies, PBS Finanse ranks worse than 74.94% on this metric.
EBITDA Margin % is calculated as EBITDA divided by its Revenue. PBS Finanse's EBITDA for the
three
months ended in Mar. 2026 was zł-0.10 Mil. PBS Finanse's Revenue for the
three
months ended in Mar. 2026 was zł0.87 Mil. Therefore, PBS Finanse's EBITDA margin for the quarter that ended in Mar. 2026 was -11.05%.
PBS Finanse (WAR:PBF) EBITDA Margin % Explanation
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
PBS Finanse EBITDA Margin % Related Terms
PBS Finanse EBITDA Margin % Historical Data
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The historical data trend for PBS Finanse's EBITDA Margin % 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.
For the Credit Services subindustry, PBS Finanse's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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.
PBS Finanse EBITDA Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PBS Finanse's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where PBS Finanse's EBITDA Margin % 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.
PBS Finanse (WAR:PBF) has a EBITDA Margin % of -11.05% as of Mar. 2026. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on PBS Finanse and its competitors. According to the industry distribution chart, PBS Finanse ranks #308 out of 411 companies in the Credit Services industry, placing it in the top 74.9%.
Is PBS Finanse's EBITDA Margin % too high?
PBS Finanse's current EBITDA Margin % is -11.05%. Based on the distribution chart, PBS Finanse ranks #308 out of 411 companies in the Credit Services industry, which is below the industry midpoint. Overall, PBS Finanse has a GF Score™ of 75/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PBS Finanse's EBITDA Margin % compare to V and MA?
According to the Credit Services industry distribution chart, PBS Finanse ranks #308 out of 411 companies for EBITDA Margin %. This places PBS Finanse in the lower half of its industry. The industry median EBITDA Margin % is 21.04. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBITDA Margin % for a Credit Services company?
The median EBITDA Margin % among Credit Services companies is 21.04, based on 411 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % 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 EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on PBS Finanse and its competitors. For the Credit Services industry, the median EBITDA Margin % is 21.04 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PBS Finanse's current EBITDA Margin % is -11.05%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PBS Finanse stock overvalued right now?
Based on GuruFocus' analysis, PBS Finanse (WAR:PBF) is currently considered Modestly Undervalued. The stock's GF Value™ is zł1.36, compared to a current price of zł1.18 — trading 13.2% below its estimated fair value. The current EBITDA Margin % is -11.05%. PBS Finanse's overall GF Score™ is 75/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For PBS Finanse (WAR:PBF), the current EBITDA Margin % is -11.05% 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 PBS Finanse (WAR:PBF) Overvalued in 2026?
Based on GuruFocus' analysis, PBS Finanse stock appears to be undervalued.
The current stock price of zł1.18 is trading 13.2% below its estimated GF Value™ of zł1.36.
GuruFocus considers PBS Finanse to be Modestly Undervalued.
Key valuation signals for WAR:PBF:
EBITDA Margin %: -11.05%
GF Value™: zł1.36 vs. price of zł1.18 (13.2% below fair value)
No single metric tells the full story. See the WAR:PBF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PBS Finanse SA is a financial service provider to individuals and corporate customers. The company focuses on three areas namely credit intermediation, fast loan, and financial leasing. It also provides services in factoring, insurance, loan, and debt collection sector as well as operations related to software and consultancy in the field of Computer Science and related activities.
75GF Score
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EBITDA Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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