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U Consumer FinanceCAI:VALU -2.09%28 EV-to-EBIT is 31.66 as of Aug. 25, 2026, which is 9% below its 10-year median of 34.83. GuruFocus rates CAI:VALU with a GF Score™ of 28/100. The stock has 6 warning signs investors should review. Among 316 Credit Services companies, U Consumer Finance ranks worse than 63.61% on this metric.
U Consumer Finance (CAI:VALU) EV-to-EBIT Explanation
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
U Consumer Finance's Enterprise Value for the quarter that ended in Dec. 2025 was E£29,337 Mil.
U Consumer Finance's EBIT for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was E£1,020 Mil.
* 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.
U Consumer Finance EV-to-EBIT Related Terms
U Consumer Finance EV-to-EBIT Historical Data
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The historical data trend for U Consumer Finance's EV-to-EBIT 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, U Consumer Finance's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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.
U Consumer Finance EV-to-EBIT vs Credit Services Industry
For the Credit Services industry and Financial Services sector, U Consumer Finance's EV-to-EBIT distribution charts can be found below:
* The bar in red indicates where U Consumer Finance's EV-to-EBIT falls into.
U Consumer Finance's current Enterprise Value is E£32,286 Mil.
U Consumer Finance's EBIT for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was E£1,020 Mil.
* 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.
U Consumer Finance (CAI:VALU) has a EV-to-EBIT of 31.66 as of Aug. 25, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on U Consumer Finance and its competitors. This is near median its historical median of 34.83. Over the past decade, U Consumer Finance's EV-to-EBIT has ranged from 25.53 to 45.79. According to the industry distribution chart, U Consumer Finance ranks #201 out of 316 companies in the Credit Services industry, placing it in the top 63.6%.
Is U Consumer Finance's EV-to-EBIT too high?
U Consumer Finance's current EV-to-EBIT of 31.66 is near median its 10-year median of 34.83. Over the past 10 years, this metric has ranged from a low of 25.53 to a high of 45.79. The Credit Services industry median EV-to-EBIT is 22.28. U Consumer Finance's value of 31.66 is 42.1% above this industry median. Based on the distribution chart, U Consumer Finance ranks #201 out of 316 companies in the Credit Services industry, which is below the industry midpoint. Overall, U Consumer Finance has a GF Score™ of 28/100, reflecting its overall financial health beyond just this single metric.
How does U Consumer Finance's EV-to-EBIT compare to V and MA?
According to the Credit Services industry distribution chart, U Consumer Finance ranks #201 out of 316 companies for EV-to-EBIT. This places U Consumer Finance in the lower half of its industry. The industry median EV-to-EBIT is 22.28. U Consumer Finance's value of 31.66 is 42.1% above this benchmark. Historically, U Consumer Finance's own EV-to-EBIT has ranged from 25.53 to 45.79 over the past decade. While the company's 10-year median is 34.83 vs. the industry median of 22.28, U Consumer Finance 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 EV-to-EBIT for a Credit Services company?
The median EV-to-EBIT among Credit Services companies is 22.28, based on 316 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. U Consumer Finance's current EV-to-EBIT of 31.66 is 42.1% 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on U Consumer Finance and its competitors. For the Credit Services industry, the median EV-to-EBIT is 22.28 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. U Consumer Finance's current EV-to-EBIT is 31.66, which is near median its own 10-year median of 34.83. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is U Consumer Finance stock overvalued right now?
U Consumer Finance (CAI:VALU) has a current EV-to-EBIT of 31.66. The current EV-to-EBIT is 31.66, which is near median its 10-year median of 34.83 and 42.1% above the Credit Services industry median of 22.28. U Consumer Finance's overall GF Score™ is 28/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For U Consumer Finance (CAI:VALU), the current EV-to-EBIT is 31.66 as of Aug. 25, 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.
U Consumer Finance known by Its Brand Name Valu, is the universal financial technology powerhouse, offering a suite of financial services to individuals and businesses.
28GF Score
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