TOTVS S.A. is the largest technology company in Brazil focused on developing software and providing services for digitizing companies. The company organizes its portfolio in a solution ecosystem divided into three business dimensions: Management, Business Performance and Techfin. Management, its core business, offers specialized business management systems (ERP) for various economic sectors, such as Manufacturing, Retail, Health, and Agribusiness. The Business Performance front provides tools that go beyond ERP, such as marketing automation and data analysis, to help clients improve their performance. Techfin's dimension integrates financial services, such as credit and payment solutions, directly into the company's management platforms. With over 70,000 clients, TOTVS is the leading ERP market in Brazil and has a presence in 12 countries.
How many years of EBITDA are required to pay off the company's net debt considering the lease agreements, according to the official accounting standard IFRS16. As a market consensus, a value of up to 3 years of leverage is accepted for most companies.
How much the company's debt represents in % in relation to its equity. As a market consensus, a value less than or equal to 1 is accepted, above that leverage can end up hurting the final result at some point.
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