3P LearningASX:3PL -3.23%61 Debt-to-EBITDA is 0.13 as of Dec. 2025, which is 225% above its 10-year median of 0.04. GuruFocus rates ASX:3PL with a GF Score™ of 61/100 and a GF Value™ of A$1.09 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 187 Education companies, 3P Learning ranks better than 91.98% 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 3P Learning's Debt-to-EBITDA or its related term are showing as below:
ASX:3PL'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -7.64 Med: 0.04 Max: 1.02
Current: 0.11
During the past 12 years, the highest Debt-to-EBITDA Ratio of 3P Learning was 1.02. The lowest was -7.64. And the median was 0.04.
ASX:3PL's Debt-to-EBITDA is ranked better than 91.98% of 187
companies
in the Education industry
Industry Median: 1.58
vs ASX:3PL: 0.11
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.
3P Learning Debt-to-EBITDA Related Terms
3P Learning Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for 3P Learning'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.
ASX:3PL vs EDU, TAL, LAUR: Debt-to-EBITDA Comparison
For the Education & Training Services subindustry, 3P Learning'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.
3P Learning Debt-to-EBITDA vs Education Industry
For the Education industry and Consumer Defensive sector, 3P Learning's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where 3P Learning'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 two times the quarterly (Dec. 2025) EBITDA data.
3P Learning (ASX:3PL) has a Debt-to-EBITDA of 0.13 as of Dec. 2025. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on 3P Learning. This is 225% above median its historical median of 0.04. According to the industry distribution chart, 3P Learning ranks #15 out of 187 companies in the Education industry, placing it in the top 8%.
Is 3P Learning's Debt-to-EBITDA too high?
3P Learning's current Debt-to-EBITDA of 0.13 is 225% above median its 10-year median of 0.04. The Education industry median Debt-to-EBITDA is 1.58. 3P Learning's value of 0.13 is 91.8% below this industry median. Based on the distribution chart, 3P Learning ranks #15 out of 187 companies in the Education industry, which is in the top quartile — a strong position relative to peers. Overall, 3P Learning has a GF Score™ of 61/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does 3P Learning's Debt-to-EBITDA compare to EDU and TAL?
According to the Education industry distribution chart, 3P Learning ranks #15 out of 187 companies for Debt-to-EBITDA. This places 3P Learning in the top 8% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 1.58. 3P Learning's value of 0.13 is 91.8% below this benchmark. While the company's 10-year median is 0.04 vs. the industry median of 1.58, 3P Learning has consistently been below the industry average. 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 an Education company?
The median Debt-to-EBITDA among Education companies is 1.58, based on 187 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. 3P Learning's current Debt-to-EBITDA of 0.13 is 91.8% below the industry median. 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 3P Learning. For the Education industry, the median Debt-to-EBITDA is 1.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. 3P Learning's current Debt-to-EBITDA is 0.13, which is 225% above median its own 10-year median of 0.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is 3P Learning stock overvalued right now?
Based on GuruFocus' analysis, 3P Learning (ASX:3PL) is currently considered Possible Value Trap. The stock's GF Value™ is A$1.09, compared to a current price of A$0.30 — trading 72.5% below its estimated fair value. The current Debt-to-EBITDA is 0.13, which is 225% above median its 10-year median of 0.04 and 91.8% below the Education industry median of 1.58. 3P Learning's overall GF Score™ is 61/100 with 3 warning signs 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 3P Learning (ASX:3PL), the current Debt-to-EBITDA is 0.13 as of Dec. 2025. 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 3P Learning (ASX:3PL) Overvalued in 2026?
Based on GuruFocus' analysis, 3P Learning stock appears to be undervalued.
The current stock price of A$0.30 is trading 72.5% below its estimated GF Value™ of A$1.09.
GuruFocus considers 3P Learning to be Possible Value Trap.
Key valuation signals for ASX:3PL:
Debt-to-EBITDA: 0.13 (225% above median its 10-year median of 0.04)
GF Value™: A$1.09 vs. price of A$0.30 (72.5% below fair value)
Industry Position: 91.8% below the Education median (#15 of 187)
No single metric tells the full story. See the ASX:3PL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
3P Learning Ltd engages in the development, sale, and marketing of online educational programs. It provides learning resources to schools and parents of school-aged students. It provides online education with e-learning programs covering mathematics, spelling, literacy, reading, and phonics. The firm is organized into geographic operating segments: Asia-Pacific (APAC), North and South America (AMER) and Europe, and Middle-East and Africa (EMEA). The company offers its products under the Mathseeds, Mathletics, Reading Eggs and Others. The majority of its revenue gets derived from the APAC segment.
61GF Score
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