Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Latitude Group HoldingsASX:LFS +1.12%21 Debt-to-EBITDA is 12.06 as of Dec. 2025, which is 2% below its 10-year median of 12.25. GuruFocus rates ASX:LFS with a GF Score™ of 21/100. The stock has 1 warning sign investors should review. Among 284 Credit Services companies, Latitude Group Holdings ranks worse than 59.51% 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 Latitude Group Holdings's Debt-to-EBITDA or its related term are showing as below:
ASX:LFS'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 12.16 Med: 12.25 Max: 23.19
Current: 12.25
During the past 6 years, the highest Debt-to-EBITDA Ratio of Latitude Group Holdings was 23.19. The lowest was 12.16. And the median was 12.25.
ASX:LFS's Debt-to-EBITDA is ranked worse than 59.51% of 284
companies
in the Credit Services industry
Industry Median: 9.3
vs ASX:LFS: 12.25
Latitude Group Holdings (ASX:LFS) 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.
Latitude Group Holdings Debt-to-EBITDA Related Terms
Latitude Group Holdings 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.
For the Credit Services subindustry, Latitude Group 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.
Latitude Group Holdings Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Latitude Group Holdings's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Latitude Group 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 two times the quarterly (Dec. 2025) EBITDA data.
Latitude Group Holdings (ASX:LFS) has a Debt-to-EBITDA of 12.06 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 Latitude Group Holdings. This is near median its historical median of 12.25. Over the past decade, Latitude Group Holdings' Debt-to-EBITDA has ranged from 12.16 to 23.19. According to the industry distribution chart, Latitude Group Holdings ranks #169 out of 284 companies in the Credit Services industry, placing it in the top 59.5%.
Is Latitude Group Holdings' Debt-to-EBITDA too high?
Latitude Group Holdings' current Debt-to-EBITDA of 12.06 is near median its 10-year median of 12.25. Over the past 10 years, this metric has ranged from a low of 12.16 to a high of 23.19. The Credit Services industry median Debt-to-EBITDA is 9.30. Latitude Group Holdings' value of 12.06 is 29.7% above this industry median. Based on the distribution chart, Latitude Group Holdings ranks #169 out of 284 companies in the Credit Services industry, which is below the industry midpoint. Overall, Latitude Group Holdings has a GF Score™ of 21/100, reflecting its overall financial health beyond just this single metric.
How does Latitude Group Holdings' Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Latitude Group Holdings ranks #169 out of 284 companies for Debt-to-EBITDA. This places Latitude Group Holdings in the lower half of its industry. The industry median Debt-to-EBITDA is 9.30. Latitude Group Holdings' value of 12.06 is 29.7% above this benchmark. Historically, Latitude Group Holdings' own Debt-to-EBITDA has ranged from 12.16 to 23.19 over the past decade. While the company's 10-year median is 12.25 vs. the industry median of 9.30, Latitude Group Holdings 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 Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 9.30, based on 284 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. Latitude Group Holdings's current Debt-to-EBITDA of 12.06 is 29.7% 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 Latitude Group Holdings. For the Credit Services industry, the median Debt-to-EBITDA is 9.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Latitude Group Holdings's current Debt-to-EBITDA is 12.06, which is near median its own 10-year median of 12.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Latitude Group Holdings stock overvalued right now?
Latitude Group Holdings (ASX:LFS) has a current Debt-to-EBITDA of 12.06. The current Debt-to-EBITDA is 12.06, which is near median its 10-year median of 12.25 and 29.7% above the Credit Services industry median of 9.30. Latitude Group Holdings' overall GF Score™ is 21/100 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 Latitude Group Holdings (ASX:LFS), the current Debt-to-EBITDA is 12.06 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.
Latitude Group Holdings Ltd is engaged in the instalments and lending business. Its segments include Australia and New Zealand Pay (A&NZ Pay), Australia and New Zealand Money (A&NZ Money), and Other. The A&NZ Pay segment provides sales finance and credit cards. The A&NZ Money segment offers personal loans and motor loans. The Other segment includes other business activities. It provides payment and finance solutions to merchants and their customers. Customers are provided choice and flexibility, ranging from small everyday purchases to monthly or flexible payment plans for bigger purchases and travel credit cards. These services are offered in Australia, New Zealand, and Asia.
21GF Score
Get the complete analysis for ASX:LFS
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ASX:LFS has been successfully added to your 
