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Investment Friends SEWAR:IFR +0.86%33 EV-to-EBIT is 9.66 as of Aug. 12, 2026, which is 31% below its 10-year median of 13.98. GuruFocus rates WAR:IFR with a GF Score™ of 33/100 and a GF Value™ of zł0.49 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 315 Credit Services companies, Investment Friends SE ranks better than 77.46% on this metric.
Investment Friends SE (WAR:IFR) 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.
Investment Friends SE's Enterprise Value for the quarter that ended in Mar. 2026 was zł2.40 Mil.
Investment Friends SE's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was zł0.18 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.
* 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, Investment Friends SE'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.
Investment Friends SE EV-to-EBIT vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Investment Friends SE's EV-to-EBIT distribution charts can be found below:
* The bar in red indicates where Investment Friends SE's EV-to-EBIT falls into.
Investment Friends SE's current Enterprise Value is zł1.70 Mil.
Investment Friends SE's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was zł0.18 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.
Investment Friends SE (WAR:IFR) has a EV-to-EBIT of 9.66 as of Aug. 12, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Investment Friends SE and its competitors. This is 31% below median its historical median of 13.98. According to the industry distribution chart, Investment Friends SE ranks #71 out of 315 companies in the Credit Services industry, placing it in the top 22.5%.
Is Investment Friends SE's EV-to-EBIT too high?
Investment Friends SE's current EV-to-EBIT of 9.66 is 31% below median its 10-year median of 13.98. The Credit Services industry median EV-to-EBIT is 22.35. Investment Friends SE's value of 9.66 is 56.8% below this industry median. Based on the distribution chart, Investment Friends SE ranks #71 out of 315 companies in the Credit Services industry, which is in the top quartile — a strong position 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 EV-to-EBIT compare to V and MA?
According to the Credit Services industry distribution chart, Investment Friends SE ranks #71 out of 315 companies for EV-to-EBIT. This places Investment Friends SE in the top 23% of its industry — outperforming the majority of peers. The industry median EV-to-EBIT is 22.35. Investment Friends SE's value of 9.66 is 56.8% below this benchmark. While the company's 10-year median is 13.98 vs. the industry median of 22.35, Investment Friends SE has consistently been below 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 22.35, based on 315 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. Investment Friends SE's current EV-to-EBIT of 9.66 is 56.8% below 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 Investment Friends SE and its competitors. For the Credit Services industry, the median EV-to-EBIT is 22.35 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Investment Friends SE's current EV-to-EBIT is 9.66, which is 31% below median its own 10-year median of 13.98. 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 zł0.49, compared to a current price of zł0.12 — trading 76.1% below its estimated fair value. The current EV-to-EBIT is 9.66, which is 31% below median its 10-year median of 13.98 and 56.8% below the Credit Services industry median of 22.35. 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 EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For Investment Friends SE (WAR:IFR), the current EV-to-EBIT is 9.66 as of Aug. 12, 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 76.1% below its estimated GF Value™ of zł0.49.
GuruFocus considers Investment Friends SE to be Possible Value Trap.
Key valuation signals for WAR:IFR:
EV-to-EBIT: 9.66 (31% below median its 10-year median of 13.98)
GF Value™: zł0.49 vs. price of zł0.12 (76.1% below fair value)
Industry Position: 56.8% below the Credit Services median (#71 of 315)
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 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
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