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Asiafin HoldingsASFH 37 Debt-to-EBITDA is -1.31 as of Mar. 2026. GuruFocus rates ASFH with a GF Score™ of 37/100 and a GF Value™ of $2.10 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,725 Software companies, Asiafin Holdings ranks worse than 56.23% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
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 Asiafin Holdings's Debt-to-EBITDA or its related term are showing as below:
ASFH'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.4 Med: 4.36 Max: 9.65
Current: 1.4
During the past 6 years, the highest Debt-to-EBITDA Ratio of Asiafin Holdings was 9.65. The lowest was 1.40. And the median was 4.36.
ASFH's Debt-to-EBITDA is ranked worse than 56.23% of 1725
companies
in the Software industry
Industry Median: 1.08
vs ASFH: 1.40
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.
Asiafin Holdings Debt-to-EBITDA Related Terms
Asiafin Holdings Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Asiafin Holdings'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.
ASFH vs TDTH, LZMH, VEEA: Debt-to-EBITDA Comparison
For the Information Technology Services subindustry, Asiafin Holdings'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.
Asiafin Holdings Debt-to-EBITDA vs Software Industry
For the Software industry and Technology sector, Asiafin Holdings's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Asiafin Holdings's Debt-to-EBITDA falls into.
* 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.
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. 2026) EBITDA data.
Asiafin Holdings (ASFH) has a Debt-to-EBITDA of -1.31 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Asiafin Holdings. Over the past decade, Asiafin Holdings' Debt-to-EBITDA has ranged from 1.40 to 9.65. According to the industry distribution chart, Asiafin Holdings ranks #970 out of 1725 companies in the Software industry, placing it in the top 56.2%.
Is Asiafin Holdings' Debt-to-EBITDA too high?
Asiafin Holdings' current Debt-to-EBITDA is -1.31. Over the past 10 years, this metric has ranged from a low of 1.40 to a high of 9.65. Based on the distribution chart, Asiafin Holdings ranks #970 out of 1725 companies in the Software industry, which is below the industry midpoint. Overall, Asiafin Holdings has a GF Score™ of 37/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Asiafin Holdings' Debt-to-EBITDA compare to TDTH and LZMH?
According to the Software industry distribution chart, Asiafin Holdings ranks #970 out of 1725 companies for Debt-to-EBITDA. This places Asiafin Holdings in the lower half of its industry. The industry median Debt-to-EBITDA is 1.08. Historically, Asiafin Holdings' own Debt-to-EBITDA has ranged from 1.40 to 9.65 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Software company?
The median Debt-to-EBITDA among Software companies is 1.08, based on 1,725 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA 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-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Asiafin Holdings. For the Software industry, the median Debt-to-EBITDA is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Asiafin Holdings's current Debt-to-EBITDA is -1.31. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Asiafin Holdings stock overvalued right now?
Based on GuruFocus' analysis, Asiafin Holdings (ASFH) is currently considered Significantly Undervalued. The stock's GF Value™ is $2.10, compared to a current price of $0.17 — trading 91.7% below its estimated fair value. The current Debt-to-EBITDA is -1.31. Asiafin Holdings' overall GF Score™ is 37/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Asiafin Holdings (ASFH), the current Debt-to-EBITDA is -1.31 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 Asiafin Holdings (ASFH) Overvalued in 2026?
Based on GuruFocus' analysis, Asiafin Holdings stock appears to be undervalued.
The current stock price of $0.17 is trading 91.7% below its estimated GF Value™ of $2.10.
GuruFocus considers Asiafin Holdings to be Significantly Undervalued.
Key valuation signals for ASFH:
Debt-to-EBITDA: -1.31
GF Value™: $2.10 vs. price of $0.17 (91.7% below fair value)
No single metric tells the full story. See the ASFH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Asiafin Holdings Corp operates through its wholly owned subsidiaries by offering a range of system solutions in Payment Processing, Robotic Process Automation (RPA), and Regulatory Technology (RegTech) to financial institutions, regulatory agencies, professional service providers, and private enterprises from various industries, with existing clients in the Asia region and Saudi Arabia. The company has three reportable segments: Payment Processing (Fintech), Regulatory Technology (RegTech) and Robotic Process Automation (RPA) businesses and two reportable segments based on country, Malaysia and Non-Malaysia. The majority of revenue is derived from the Regtech segment in Malaysia, which involves the management of regulatory processes within the financial industry via technology.
37GF Score
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