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MandatumMANDF 36 EV-to-EBITDA is 19.13 as of Jul. 16, 2026, which is 84% above its 10-year median of 10.38. GuruFocus rates MANDF with a GF Score™ of 36/100 and a GF Value™ of $5.85 (Fairly Valued). The stock has 3 warning signs investors should review. Among 156 Diversified Financial Services companies, Mandatum ranks worse than 76.28% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Mandatum's enterprise value is $2,705 Mil.
Mandatum's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was $141 Mil. Therefore, Mandatum's EV-to-EBITDA for today is 19.13.
The historical rank and industry rank for Mandatum's EV-to-EBITDA or its related term are showing as below:
MANDF'
s EV-to-EBITDA Range Over the Past 10 Years
Min: 5.55 Med: 10.38 Max: 34.28
Current: 19.57
During the past 5 years, the highest EV-to-EBITDA of Mandatum was 34.28. The lowest was 5.55. And the median was 10.38.
MANDF's EV-to-EBITDA is ranked worse than 76.28% of 156
companies
in the Diversified Financial Services industry
Industry Median: 4.23
vs MANDF: 19.57
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.
The "classic" EV-to-EBITDA is much better in capturing debt and net cash than the PE Ratio (TTM).
Mandatum (OTCPK:MANDF) 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.
Mandatum's share price for today is $6.21.
Mandatum's Earnings per Share (Diluted) 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 $0.221.
* 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 Mandatum'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 Financial Conglomerates subindustry, Mandatum'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.
Mandatum EV-to-EBITDA vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, Mandatum's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Mandatum's EV-to-EBITDA falls into.
Mandatum's current Enterprise Value is $2,705 Mil.
Mandatum's EBITDA 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 $141 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.
Mandatum (MANDF) has a EV-to-EBITDA of 19.13 as of Jul. 16, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Mandatum. This is 84% above median its historical median of 10.38. Over the past decade, Mandatum's EV-to-EBITDA has ranged from 5.55 to 34.28. According to the industry distribution chart, Mandatum ranks #119 out of 156 companies in the Diversified Financial Services industry, placing it in the top 76.3%.
Is Mandatum's EV-to-EBITDA too high?
Mandatum's current EV-to-EBITDA of 19.13 is 84% above median its 10-year median of 10.38. Over the past 10 years, this metric has ranged from a low of 5.55 to a high of 34.28. The Diversified Financial Services industry median EV-to-EBITDA is 4.23. Mandatum's value of 19.13 is 352.2% above this industry median. Based on the distribution chart, Mandatum ranks #119 out of 156 companies in the Diversified Financial Services industry, which is in the bottom quartile relative to peers. Overall, Mandatum has a GF Score™ of 36/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Mandatum's EV-to-EBITDA compare to VOYA and FRHC?
According to the Diversified Financial Services industry distribution chart, Mandatum ranks #119 out of 156 companies for EV-to-EBITDA. This places Mandatum in the lower half of its industry. The industry median EV-to-EBITDA is 4.23. Mandatum's value of 19.13 is 352.2% above this benchmark. Historically, Mandatum's own EV-to-EBITDA has ranged from 5.55 to 34.28 over the past decade. While the company's 10-year median is 10.38 vs. the industry median of 4.23, Mandatum 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 Diversified Financial Services company?
The median EV-to-EBITDA among Diversified Financial Services companies is 4.23, based on 156 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. Mandatum's current EV-to-EBITDA of 19.13 is 352.2% 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 Mandatum. For the Diversified Financial Services industry, the median EV-to-EBITDA is 4.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mandatum's current EV-to-EBITDA is 19.13, which is 84% above median its own 10-year median of 10.38. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mandatum stock overvalued right now?
Based on GuruFocus' analysis, Mandatum (MANDF) is currently considered Fairly Valued. The stock's GF Value™ is $5.85, compared to a current price of $6.21 — trading 6.2% above its estimated fair value. The current EV-to-EBITDA is 19.13, which is 84% above median its 10-year median of 10.38 and 352.2% above the Diversified Financial Services industry median of 4.23. Mandatum's overall GF Score™ is 36/100 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-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Mandatum (MANDF), the current EV-to-EBITDA is 19.13 as of Jul. 16, 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 Mandatum (MANDF) Overvalued in 2026?
Based on GuruFocus' analysis, Mandatum stock appears to be overvalued.
The current stock price of $6.21 is trading 6.2% above its estimated GF Value™ of $5.85.
GuruFocus considers Mandatum to be Fairly Valued.
Key valuation signals for MANDF:
EV-to-EBITDA: 19.13 (84% above median its 10-year median of 10.38)
GF Value™: $5.85 vs. price of $6.21 (6.2% above fair value)
Industry Position: 352.2% above the Diversified Financial Services median (#119 of 156)
No single metric tells the full story. See the MANDF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mandatum PLC is a financial services provider that combines expertise in wealth management and life insurance. It offers clients a wide array of services covering asset and wealth management, savings and investment, compensation and rewards as well as pension plans and personal risk insurance. The reportable segments are: Institutional & wealth management, Corporate clients, Retail clients and With-profit business.
36GF Score
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