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Investment Friends SEWAR:IFR +0.86%33 EV-to-EBITDA 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 329 Credit Services companies, Investment Friends SE ranks better than 75.99% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Investment Friends SE's enterprise value is zł1.70 Mil.
Investment Friends SE's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was zł0.18 Mil. Therefore, Investment Friends SE's EV-to-EBITDA for today is 9.66.
The historical rank and industry rank for Investment Friends SE's EV-to-EBITDA or its related term are showing as below:
WAR:IFR'
s EV-to-EBITDA Range Over the Past 10 Years
Min: -819.66 Med: 13.98 Max: 1685.37
Current: 9.72
During the past 13 years, the highest EV-to-EBITDA of Investment Friends SE was 1685.37. The lowest was -819.66. And the median was 13.98.
WAR:IFR's EV-to-EBITDA is ranked better than 75.99% of 329
companies
in the Credit Services industry
Industry Median: 21.53
vs WAR:IFR: 9.72
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.
Investment Friends SE (WAR:IFR) 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.
Investment Friends SE's PE Ratio (TTM) for today is calculated as:
Investment Friends SE's share price for today is zł0.117.
Investment Friends SE'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 zł-0.001.
* 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).
Investment Friends SE EV-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Investment Friends SE'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, Investment Friends SE'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.
Investment Friends SE EV-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Investment Friends SE's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Investment Friends SE's EV-to-EBITDA falls into.
Investment Friends SE's current Enterprise Value is zł1.70 Mil.
Investment Friends SE'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 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-EBITDA of 9.66 as of Aug. 12, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Investment Friends SE. This is 31% below median its historical median of 13.98. According to the industry distribution chart, Investment Friends SE ranks #79 out of 329 companies in the Credit Services industry, placing it in the top 24%.
Is Investment Friends SE's EV-to-EBITDA too high?
Investment Friends SE's current EV-to-EBITDA of 9.66 is 31% below median its 10-year median of 13.98. The Credit Services industry median EV-to-EBITDA is 21.53. Investment Friends SE's value of 9.66 is 55.1% below this industry median. Based on the distribution chart, Investment Friends SE ranks #79 out of 329 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-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Investment Friends SE ranks #79 out of 329 companies for EV-to-EBITDA. This places Investment Friends SE in the top 24% of its industry — outperforming the majority of peers. The industry median EV-to-EBITDA is 21.53. Investment Friends SE's value of 9.66 is 55.1% below this benchmark. While the company's 10-year median is 13.98 vs. the industry median of 21.53, 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-EBITDA for a Credit Services company?
The median EV-to-EBITDA among Credit Services companies is 21.53, based on 329 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. Investment Friends SE's current EV-to-EBITDA of 9.66 is 55.1% 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-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 Investment Friends SE. For the Credit Services industry, the median EV-to-EBITDA is 21.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Investment Friends SE's current EV-to-EBITDA 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-EBITDA is 9.66, which is 31% below median its 10-year median of 13.98 and 55.1% below the Credit Services industry median of 21.53. 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-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Investment Friends SE (WAR:IFR), the current EV-to-EBITDA 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-EBITDA: 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: 55.1% below the Credit Services median (#79 of 329)
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
Get the complete analysis for WAR:IFR
EV-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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