Pal Holdings (PHS:PAL) Debt-to-Asset : 0.43 (As of Mar. 2026)

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PHS:PAL Pal Holdings Inc PHS:PAL
57 GF Score
Price ₱2.34
GF Value ₱2.71
Valuation Modestly Undervalued
! 4 Warning Signs
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What is Pal Holdings Debt-to-Asset?

Pal Holdings PHS:PAL 57 Debt-to-Asset is 0.43 as of Mar. 2026. GuruFocus rates PHS:PAL with a GF Score™ of 57/100 and a GF Value™ of ₱2.71 (Modestly Undervalued). The stock has 4 warning signs investors should review.

Pal Holdings's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2026 was ₱28,003 Mil. Pal Holdings's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2026 was ₱83,099 Mil. Pal Holdings's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Mar. 2026 was ₱259,940 Mil. Pal Holdings's debt to asset for the quarter that ended in Mar. 2026 was 0.43.

Pal Holdings  (PHS:PAL) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

Pal Holdings Debt-to-Asset Related Terms

Pal Holdings Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for Pal Holdings's Debt-to-Asset 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.

Pal Holdings Debt-to-Asset Chart

Pal Holdings Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.65 0.55 0.44 0.38 0.43

Pal Holdings Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Debt-to-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.37 0.37 0.37 0.43 0.43

PHS:PAL vs DAL, UAL, LUV: Debt-to-Asset Comparison

For the Airlines subindustry, Pal Holdings's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset 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.

Pal Holdings Debt-to-Asset vs Transportation Industry

For the Transportation industry and Industrials sector, Pal Holdings's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where Pal Holdings's Debt-to-Asset falls into.


PHS:PAL
57GF Score
Pal Holdings Inc PHS:PAL
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Pal Holdings Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

Pal Holdings's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(26532.664 + 73056.452) / 230620.343
=0.43

Pal Holdings's Debt-to-Asset for the quarter that ended in Mar. 2026 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(28003.188 + 83099.072) / 259940.191
=0.43

* 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.

Frequently Asked Questions Learn more about Debt-to-Asset →
What does a Debt-to-Asset of 0.43 mean?
Pal Holdings (PHS:PAL) has a Debt-to-Asset of 0.43 as of Mar. 2026. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Pal Holdings and its competitors.
Is Pal Holdings' Debt-to-Asset too high?
Pal Holdings' current Debt-to-Asset is 0.43. Overall, Pal Holdings has a GF Score™ of 57/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Pal Holdings' Debt-to-Asset compare to DAL and UAL?
Pal Holdings' Debt-to-Asset of 0.43 can be compared against companies in the Transportation industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Asset for a Transportation company?
A good Debt-to-Asset depends on the Transportation industry context. However, Debt-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Pal Holdings and its competitors. Pal Holdings's current Debt-to-Asset is 0.43. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pal Holdings stock overvalued right now?
Based on GuruFocus' analysis, Pal Holdings (PHS:PAL) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱2.71, compared to a current price of ₱2.34 — trading 13.7% below its estimated fair value. The current Debt-to-Asset is 0.43. Pal Holdings' overall GF Score™ is 57/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For Pal Holdings (PHS:PAL), the current Debt-to-Asset is 0.43 as of Mar. 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 Pal Holdings (PHS:PAL) Overvalued in 2026?

Based on GuruFocus' analysis, Pal Holdings stock appears to be undervalued. The current stock price of ₱2.34 is trading 13.7% below its estimated GF Value™ of ₱2.71. GuruFocus considers Pal Holdings to be Modestly Undervalued.

Key valuation signals for PHS:PAL:

  • Debt-to-Asset: 0.43
  • GF Value™: ₱2.71 vs. price of ₱2.34 (13.7% below fair value)
  • GF Score™: 57/100 with 4 warning signs

No single metric tells the full story. See the PHS:PAL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Pal Holdings Business Description

Address Andrews Avenue, Philippine Airlines, PAL Gate 5, Lucio K. Tan Junior Center, Pasay City, PHL, 1300
Pal Holdings Inc through its subsidiaries, is engaged in air transport of passengers and cargo within the Philippines and between the Philippines and several international destinations. Its revenues are mainly derived from rendering transportation services, and all sales are made to external customers.
57GF Score

Get the complete analysis for PHS:PAL

Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₱2.34
Price
₱2.71
GF Value