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U Consumer FinanceCAI:VALU -2.09%28 EV-to-EBITDA is 28.37 as of Aug. 25, 2026, which is 7% below its 10-year median of 30.64. GuruFocus rates CAI:VALU with a GF Score™ of 28/100. The stock has 6 warning signs investors should review. Among 328 Credit Services companies, U Consumer Finance ranks worse than 62.8% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, U Consumer Finance's enterprise value is E£32,286 Mil.
U Consumer Finance's EBITDA for the trailing twelve months (TTM) ended in Dec. 2025 was E£1,138 Mil. Therefore, U Consumer Finance's EV-to-EBITDA for today is 28.37.
The historical rank and industry rank for U Consumer Finance's EV-to-EBITDA or its related term are showing as below:
CAI:VALU'
s EV-to-EBITDA Range Over the Past 10 Years
Min: 22.72 Med: 30.64 Max: 38.78
Current: 28.37
During the past 3 years, the highest EV-to-EBITDA of U Consumer Finance was 38.78. The lowest was 22.72. And the median was 30.64.
CAI:VALU's EV-to-EBITDA is ranked worse than 62.8% of 328
companies
in the Credit Services industry
Industry Median: 21.22
vs CAI:VALU: 28.37
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
U Consumer Finance (CAI:VALU) EV-to-EBITDA Explanation
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
U Consumer Finance's PE Ratio (TTM) for today is calculated as:
U Consumer Finance's share price for today is E£10.80.
U Consumer Finance's Earnings per Share (Diluted) 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£0.372.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for U Consumer Finance's EV-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.
For the Credit Services subindustry, U Consumer Finance's EV-to-EBITDA, along with its competitors' market caps and EV-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.
U Consumer Finance EV-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, U Consumer Finance's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where U Consumer Finance's EV-to-EBITDA falls into.
U Consumer Finance's current Enterprise Value is E£32,286 Mil.
U Consumer Finance's EBITDA 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£1,138 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-EBITDA of 28.37 as of Aug. 25, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on U Consumer Finance. This is near median its historical median of 30.64. Over the past decade, U Consumer Finance's EV-to-EBITDA has ranged from 22.72 to 38.78. According to the industry distribution chart, U Consumer Finance ranks #206 out of 328 companies in the Credit Services industry, placing it in the top 62.8%.
Is U Consumer Finance's EV-to-EBITDA too high?
U Consumer Finance's current EV-to-EBITDA of 28.37 is near median its 10-year median of 30.64. Over the past 10 years, this metric has ranged from a low of 22.72 to a high of 38.78. The Credit Services industry median EV-to-EBITDA is 21.22. U Consumer Finance's value of 28.37 is 33.7% above this industry median. Based on the distribution chart, U Consumer Finance ranks #206 out of 328 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-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, U Consumer Finance ranks #206 out of 328 companies for EV-to-EBITDA. This places U Consumer Finance in the lower half of its industry. The industry median EV-to-EBITDA is 21.22. U Consumer Finance's value of 28.37 is 33.7% above this benchmark. Historically, U Consumer Finance's own EV-to-EBITDA has ranged from 22.72 to 38.78 over the past decade. While the company's 10-year median is 30.64 vs. the industry median of 21.22, 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-EBITDA for a Credit Services company?
The median EV-to-EBITDA among Credit Services companies is 21.22, based on 328 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. U Consumer Finance's current EV-to-EBITDA of 28.37 is 33.7% 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-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on U Consumer Finance. For the Credit Services industry, the median EV-to-EBITDA is 21.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. U Consumer Finance's current EV-to-EBITDA is 28.37, which is near median its own 10-year median of 30.64. 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-EBITDA of 28.37. The current EV-to-EBITDA is 28.37, which is near median its 10-year median of 30.64 and 33.7% above the Credit Services industry median of 21.22. 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-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For U Consumer Finance (CAI:VALU), the current EV-to-EBITDA is 28.37 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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