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PBS FinanseWAR:PBF -9.73%73 EV-to-EBITDA is 78.28 as of Aug. 19, 2026, which is 14954% above its 10-year median of 0.52. GuruFocus rates WAR:PBF with a GF Score™ of 73/100 and a GF Value™ of zł1.39 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 330 Credit Services companies, PBS Finanse ranks worse than 88.18% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, PBS Finanse's enterprise value is zł7.99 Mil.
PBS Finanse's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was zł0.10 Mil. Therefore, PBS Finanse's EV-to-EBITDA for today is 78.28.
The historical rank and industry rank for PBS Finanse's EV-to-EBITDA or its related term are showing as below:
WAR:PBF'
s EV-to-EBITDA Range Over the Past 10 Years
Min: -75.15 Med: 0.52 Max: 1270.21
Current: 78.29
During the past 13 years, the highest EV-to-EBITDA of PBS Finanse was 1270.21. The lowest was -75.15. And the median was 0.52.
WAR:PBF's EV-to-EBITDA is ranked worse than 88.18% of 330
companies
in the Credit Services industry
Industry Median: 21.155
vs WAR:PBF: 78.29
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.
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.
PBS Finanse's PE Ratio (TTM) for today is calculated as:
PBS Finanse's share price for today is zł1.02.
PBS Finanse'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 zł0.003.
* 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 PBS Finanse'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, PBS Finanse'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.
PBS Finanse EV-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PBS Finanse's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where PBS Finanse's EV-to-EBITDA falls into.
PBS Finanse's current Enterprise Value is zł7.99 Mil.
PBS Finanse'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 zł0.10 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.
PBS Finanse (WAR:PBF) has a EV-to-EBITDA of 78.28 as of Aug. 19, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on PBS Finanse. This is 14954% above median its historical median of 0.52. According to the industry distribution chart, PBS Finanse ranks #291 out of 330 companies in the Credit Services industry, placing it in the top 88.2%.
Is PBS Finanse's EV-to-EBITDA too high?
PBS Finanse's current EV-to-EBITDA of 78.28 is 14954% above median its 10-year median of 0.52. The Credit Services industry median EV-to-EBITDA is 21.16. PBS Finanse's value of 78.28 is 270% above this industry median. Based on the distribution chart, PBS Finanse ranks #291 out of 330 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, PBS Finanse has a GF Score™ of 73/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PBS Finanse's EV-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, PBS Finanse ranks #291 out of 330 companies for EV-to-EBITDA. This places PBS Finanse in the lower half of its industry. The industry median EV-to-EBITDA is 21.16. PBS Finanse's value of 78.28 is 270% above this benchmark. While the company's 10-year median is 0.52 vs. the industry median of 21.16, PBS Finanse 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 21.16, based on 330 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. PBS Finanse's current EV-to-EBITDA of 78.28 is 270% 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 PBS Finanse. For the Credit Services industry, the median EV-to-EBITDA is 21.16 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PBS Finanse's current EV-to-EBITDA is 78.28, which is 14954% above median its own 10-year median of 0.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PBS Finanse stock overvalued right now?
Based on GuruFocus' analysis, PBS Finanse (WAR:PBF) is currently considered Modestly Undervalued. The stock's GF Value™ is zł1.39, compared to a current price of zł1.02 — trading 26.6% below its estimated fair value. The current EV-to-EBITDA is 78.28, which is 14954% above median its 10-year median of 0.52 and 270% above the Credit Services industry median of 21.16. PBS Finanse's overall GF Score™ is 73/100 with 5 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 PBS Finanse (WAR:PBF), the current EV-to-EBITDA is 78.28 as of Aug. 19, 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 PBS Finanse (WAR:PBF) Overvalued in 2026?
Based on GuruFocus' analysis, PBS Finanse stock appears to be undervalued.
The current stock price of zł1.02 is trading 26.6% below its estimated GF Value™ of zł1.39.
GuruFocus considers PBS Finanse to be Modestly Undervalued.
Key valuation signals for WAR:PBF:
EV-to-EBITDA: 78.28 (14954% above median its 10-year median of 0.52)
GF Value™: zł1.39 vs. price of zł1.02 (26.6% below fair value)
Industry Position: 270% above the Credit Services median (#291 of 330)
No single metric tells the full story. See the WAR:PBF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PBS Finanse SA is a financial service provider to individuals and corporate customers. The company focuses on three areas namely credit intermediation, fast loan, and financial leasing. It also provides services in factoring, insurance, loan, and debt collection sector as well as operations related to software and consultancy in the field of Computer Science and related activities.
73GF Score
Get the complete analysis for WAR:PBF
EV-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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