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Gemlife Communities GroupASX:GLF -1.75%14 Debt-to-EBITDA is 5.99 as of Dec. 2025, which is 22% above its 10-year median of 4.93. GuruFocus rates ASX:GLF with a GF Score™ of 14/100. The stock has 7 warning signs investors should review. Among 1,273 Real Estate companies, Gemlife Communities Group ranks worse than 52.32% 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 Gemlife Communities Group's Debt-to-EBITDA or its related term are showing as below:
ASX:GLF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 3.88 Med: 4.93 Max: 5.99
Current: 5.99
During the past 4 years, the highest Debt-to-EBITDA Ratio of Gemlife Communities Group was 5.99. The lowest was 3.88. And the median was 4.93.
ASX:GLF's Debt-to-EBITDA is ranked worse than 52.32% of 1273
companies
in the Real Estate industry
Industry Median: 5.63
vs ASX:GLF: 5.99
Gemlife Communities Group (ASX:GLF) Debt-to-EBITDA Explanation
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.
Gemlife Communities Group Debt-to-EBITDA Related Terms
Gemlife Communities Group Debt-to-EBITDA Historical Data
* 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.
Gemlife Communities Group Debt-to-EBITDA Chart
Gemlife Communities Group Annual Data
Trend
Dec22
Dec23
Dec24
Dec25
Debt-to-EBITDA
0.00
0.00
3.88
5.99
Gemlife Communities Group Semi-Annual Data
Dec22
Dec23
Dec24
Dec25
Debt-to-EBITDA
0.00
0.00
3.88
5.99
Gemlife Communities Group Debt-to-EBITDA Competitor Comparison
For the Real Estate - Development subindustry, Gemlife Communities Group'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.
Gemlife Communities Group Debt-to-EBITDA vs Real Estate Industry
For the Real Estate industry and Real Estate sector, Gemlife Communities Group's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Gemlife Communities Group'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 one times the quarterly (Dec. 2025) EBITDA data.
Gemlife Communities Group (ASX:GLF) has a Debt-to-EBITDA of 5.99 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 Gemlife Communities Group. This is 22% above median its historical median of 4.93. Over the past decade, Gemlife Communities Group's Debt-to-EBITDA has ranged from 3.88 to 5.99. According to the industry distribution chart, Gemlife Communities Group ranks #666 out of 1273 companies in the Real Estate industry, placing it in the top 52.3%.
Is Gemlife Communities Group's Debt-to-EBITDA too high?
Gemlife Communities Group's current Debt-to-EBITDA of 5.99 is 22% above median its 10-year median of 4.93. Over the past 10 years, this metric has ranged from a low of 3.88 to a high of 5.99. The Real Estate industry median Debt-to-EBITDA is 5.63. Gemlife Communities Group's value of 5.99 is 6.4% above this industry median. Based on the distribution chart, Gemlife Communities Group ranks #666 out of 1273 companies in the Real Estate industry, which is below the industry midpoint. Overall, Gemlife Communities Group has a GF Score™ of 14/100, reflecting its overall financial health beyond just this single metric.
How does Gemlife Communities Group's Debt-to-EBITDA compare to competitors?
According to the Real Estate industry distribution chart, Gemlife Communities Group ranks #666 out of 1273 companies for Debt-to-EBITDA. This places Gemlife Communities Group in the lower half of its industry. The industry median Debt-to-EBITDA is 5.63. Gemlife Communities Group's value of 5.99 is 6.4% above this benchmark. Historically, Gemlife Communities Group's own Debt-to-EBITDA has ranged from 3.88 to 5.99 over the past decade. While the company's 10-year median is 4.93 vs. the industry median of 5.63, Gemlife Communities Group has consistently been above 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 a Real Estate company?
The median Debt-to-EBITDA among Real Estate companies is 5.63, based on 1,273 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. Gemlife Communities Group's current Debt-to-EBITDA of 5.99 is 6.4% above 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 Gemlife Communities Group. For the Real Estate industry, the median Debt-to-EBITDA is 5.63 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Gemlife Communities Group's current Debt-to-EBITDA is 5.99, which is 22% above median its own 10-year median of 4.93. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Gemlife Communities Group stock overvalued right now?
Gemlife Communities Group (ASX:GLF) has a current Debt-to-EBITDA of 5.99. The current Debt-to-EBITDA is 5.99, which is 22% above median its 10-year median of 4.93 and 6.4% above the Real Estate industry median of 5.63. Gemlife Communities Group's overall GF Score™ is 14/100 with 7 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 Gemlife Communities Group (ASX:GLF), the current Debt-to-EBITDA is 5.99 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.
GemLife Communities Group is a developer, builder, owner, and operator within Australia's Land Lease Community (LLC) sector. It provides premium resort-style living for homeowners aged 50 and over, designed to support a high-quality, active, and socially engaged lifestyle. GemLife focuses on delivering master-planned residential communities to senior downsizers, with homes that are low-maintenance and equipped with recreational and leisure facilities to support community-oriented living. It has two reportable segments: Development and Community Operations. Maximum revenue is generated from the Development segment, which develops the land and sells the home on behalf of the landowner. The Community Operations segment is responsible for the maintenance of the common areas of the communities.
14GF Score
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