Plenti GroupASX:PLT 54 Debt-to-EBITDA is 9.28 as of Mar. 2026. GuruFocus rates ASX:PLT with a GF Score™ of 54/100 and a GF Value™ of A$1.10 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 282 Credit Services companies, Plenti Group ranks worse than 68.79% 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 Plenti Group's Debt-to-EBITDA or its related term are showing as below:
ASX:PLT'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -320.25 Med: -141.97 Max: 1032.28
Current: 17.03
During the past 6 years, the highest Debt-to-EBITDA Ratio of Plenti Group was 1032.28. The lowest was -320.25. And the median was -141.97.
ASX:PLT's Debt-to-EBITDA is ranked worse than 68.79% of 282
companies
in the Credit Services industry
Industry Median: 9.3
vs ASX:PLT: 17.03
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.
Plenti Group Debt-to-EBITDA Related Terms
Plenti Group Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Plenti Group'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.
For the Credit Services subindustry, Plenti 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.
Plenti Group Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Plenti Group's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Plenti 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 two times the quarterly (Mar. 2026) EBITDA data.
Plenti Group (ASX:PLT) has a Debt-to-EBITDA of 9.28 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 Plenti Group. According to the industry distribution chart, Plenti Group ranks #194 out of 282 companies in the Credit Services industry, placing it in the top 68.8%.
Is Plenti Group's Debt-to-EBITDA too high?
Plenti Group's current Debt-to-EBITDA is 9.28. The Credit Services industry median Debt-to-EBITDA is 9.30. Plenti Group's value of 9.28 is 0.2% below this industry median. Based on the distribution chart, Plenti Group ranks #194 out of 282 companies in the Credit Services industry, which is below the industry midpoint. Overall, Plenti Group has a GF Score™ of 54/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Plenti Group's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Plenti Group ranks #194 out of 282 companies for Debt-to-EBITDA. This places Plenti Group in the lower half of its industry. The industry median Debt-to-EBITDA is 9.30. Plenti Group's value of 9.28 is 0.2% below this benchmark. 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 282 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. Plenti Group's current Debt-to-EBITDA of 9.28 is 0.2% 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 Plenti Group. 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. Plenti Group's current Debt-to-EBITDA is 9.28. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Plenti Group stock overvalued right now?
Based on GuruFocus' analysis, Plenti Group (ASX:PLT) is currently considered Possible Value Trap. The stock's GF Value™ is A$1.10, compared to a current price of A$0.73 — trading 34.1% below its estimated fair value. The current Debt-to-EBITDA is 9.28 and 0.2% below the Credit Services industry median of 9.30. Plenti Group's overall GF Score™ is 54/100 with 5 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 Plenti Group (ASX:PLT), the current Debt-to-EBITDA is 9.28 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 Plenti Group (ASX:PLT) Overvalued in 2026?
Based on GuruFocus' analysis, Plenti Group stock appears to be undervalued.
The current stock price of A$0.73 is trading 34.1% below its estimated GF Value™ of A$1.10.
GuruFocus considers Plenti Group to be Possible Value Trap.
Key valuation signals for ASX:PLT:
Debt-to-EBITDA: 9.28
GF Value™: A$1.10 vs. price of A$0.73 (34.1% below fair value)
Industry Position: 0.2% below the Credit Services median (#194 of 282)
No single metric tells the full story. See the ASX:PLT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Plenti Group Ltd is a fintech lender to prime consumer and commercial borrowers. Its operations consist mainly of the provision of financial services in Australia. The company has single operating segment. The company offers offer award-winning automotive, renewable energy and personal loans, delivered by its proprietary technology, to help creditworthy borrowers bring their ideas to life. The company's loan types are Personal Loans, Debt Consolidation Loans, Renovation Loans, Car Loans, EV Loans, Holiday Loans, Medical Loans, Wedding Loans, Motorbike Loans, Moving Cost Loans, Boat Loans, Legal Fee Loans, Solar and Battery Loans, and Caravan Loans.
54GF Score
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