Expert RA has assigned a ruA- credit rating to the Digital Habits group with a stable outlook. The agency highlighted the company's comfortable liquidity, high profitability, and low debt burden as key factors for the assessment.
The group specializes in developing proprietary IT solutions and custom software. Expert RA noted that the company's EBITDA margin consistently exceeds the agency's benchmarks for maximum ratings, with further growth in revenue and EBITDA expected.
As of December 31, 2025, the company's debt-to-EBITDA ratio was below 1x, while the interest coverage ratio exceeded 5.6x. The agency expects the company to maintain a comfortable debt level even after planned bond issuance for M&A activities.
Digital Habits is preparing to enter the public capital market. The company has implemented a board of directors with independent members and is focusing on improving corporate governance and information transparency.
