Contact Financial HoldingE (CAI:CNFN) Debt-to-EBITDA : 15.98 (As of Mar. 2024)

View and export this data going back to 2018. Start your Free Trial

What is Contact Financial HoldingE Debt-to-EBITDA?

Debt-to-EBITDA measures a company's ability to pay off its debt.

Contact Financial HoldingE's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2024 was E£2,548 Mil. Contact Financial HoldingE's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2024 was E£5,605 Mil. Contact Financial HoldingE's annualized EBITDA for the quarter that ended in Mar. 2024 was E£510 Mil. Contact Financial HoldingE's annualized Debt-to-EBITDA for the quarter that ended in Mar. 2024 was 15.98.

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.

The historical rank and industry rank for Contact Financial HoldingE's Debt-to-EBITDA or its related term are showing as below:

CAI:CNFN' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 2.42 Med: 3.81 Max: 7.9
Current: 7.9

During the past 7 years, the highest Debt-to-EBITDA Ratio of Contact Financial HoldingE was 7.90. The lowest was 2.42. And the median was 3.81.

CAI:CNFN's Debt-to-EBITDA is ranked worse than
50.99% of 253 companies
in the Credit Services industry
Industry Median: 7.59 vs CAI:CNFN: 7.90

Contact Financial HoldingE Debt-to-EBITDA Historical Data

The historical data trend for Contact Financial HoldingE's Debt-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.

* Premium members only.

Contact Financial HoldingE Debt-to-EBITDA Chart

Contact Financial HoldingE Annual Data

Trend

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Debt-to-EBITDA

Get a 7-Day Free Trial

3.12

2.42

3.29

6.14

6.46

Contact Financial HoldingE Quarterly Data
	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24
Debt-to-EBITDA	Get a 7-Day Free Trial															5.29	4.92	7.86	4.79	15.98

Competitive Comparison of Contact Financial HoldingE's Debt-to-EBITDA

For the Credit Services subindustry, Contact Financial HoldingE's Debt-to-EBITDA, along with its competitors' market caps and Debt-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.

Contact Financial HoldingE's Debt-to-EBITDA Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, Contact Financial HoldingE's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where Contact Financial HoldingE's Debt-to-EBITDA falls into.

Contact Financial HoldingE Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

Contact Financial HoldingE's Debt-to-EBITDA for the fiscal year that ended in Dec. 2023 is calculated as

Debt-to-EBITDA	=	Total Debt			/	EBITDA
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	EBITDA
	=	(2612.057	+	4817.183)	/	1150.388
	=	6.46

Contact Financial HoldingE's annualized Debt-to-EBITDA for the quarter that ended in Mar. 2024 is calculated as

Debt-to-EBITDA	=	Total Debt			/	EBITDA
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	EBITDA
	=	(2548.008	+	5605.225)	/	510.256
	=	15.98

In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data, the EBITDA data used here is four times the quarterly (Mar. 2024) EBITDA data.

Contact Financial HoldingE (CAI:CNFN) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.

Be Aware

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.

According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.

Contact Financial HoldingE Debt-to-EBITDA Related Terms

Thank you for viewing the detailed overview of Contact Financial HoldingE's Debt-to-EBITDA provided by GuruFocus.com. Please click on the following links to see related term pages.

Contact Financial HoldingE (CAI:CNFN) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Credit Services » Contact Financial Holding SAE (CAI:CNFN) » Definitions » Debt-to-EBITDA

Comparable Companies

Traded in Other Exchanges

N/A

Address

7 Champollion Street, Tahrir, Cairo, EGY

Website

https://www.contact.eg

Contact Financial Holding SAE is a provider of finance solutions, including auto credit, insurance, and consumer finance. It offers various retail and corporate services including auto loans, mortgages, insurance, leasing, structured debt advisory, insurance brokerage, and asset management. The company operates in four operating segments namely; Financing Activities, Insurance Activities, Brokerage Activities, and Other segment.