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WT Financial GroupASX:WTL +3.33%53 Debt-to-EBITDA is 1.11 as of Dec. 2025, which is 3% above its 10-year median of 1.08. GuruFocus rates ASX:WTL with a GF Score™ of 53/100 and a GF Value™ of A$0.13 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 384 Asset Management companies, WT Financial Group ranks better than 55.73% 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 WT Financial Group's Debt-to-EBITDA or its related term are showing as below:
ASX:WTL'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -3.69 Med: 1.08 Max: 7.7
Current: 1.09
During the past 11 years, the highest Debt-to-EBITDA Ratio of WT Financial Group was 7.70. The lowest was -3.69. And the median was 1.08.
ASX:WTL's Debt-to-EBITDA is ranked better than 55.73% of 384
companies
in the Asset Management industry
Industry Median: 1.395
vs ASX:WTL: 1.09
WT Financial Group (ASX:WTL) 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.
WT Financial Group Debt-to-EBITDA Related Terms
WT Financial Group Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for WT Financial 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.
ASX:WTL vs BLK, BX, KKR: Debt-to-EBITDA Comparison
For the Asset Management subindustry, WT Financial 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.
WT Financial Group Debt-to-EBITDA vs Asset Management Industry
For the Asset Management industry and Financial Services sector, WT Financial Group's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where WT Financial 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 (Dec. 2025) EBITDA data.
WT Financial Group (ASX:WTL) has a Debt-to-EBITDA of 1.11 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 WT Financial Group. This is near median its historical median of 1.08. According to the industry distribution chart, WT Financial Group ranks #170 out of 384 companies in the Asset Management industry, placing it in the top 44.3%.
Is WT Financial Group's Debt-to-EBITDA too high?
WT Financial Group's current Debt-to-EBITDA of 1.11 is near median its 10-year median of 1.08. The Asset Management industry median Debt-to-EBITDA is 1.40. WT Financial Group's value of 1.11 is 20.4% below this industry median. Based on the distribution chart, WT Financial Group ranks #170 out of 384 companies in the Asset Management industry, which is above the industry midpoint. Overall, WT Financial Group has a GF Score™ of 53/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does WT Financial Group's Debt-to-EBITDA compare to BLK and BX?
According to the Asset Management industry distribution chart, WT Financial Group ranks #170 out of 384 companies for Debt-to-EBITDA. This puts WT Financial Group in the upper half of its industry. The industry median Debt-to-EBITDA is 1.40. WT Financial Group's value of 1.11 is 20.4% below this benchmark. While the company's 10-year median is 1.08 vs. the industry median of 1.40, WT Financial Group 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 Asset Management company?
The median Debt-to-EBITDA among Asset Management companies is 1.40, based on 384 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. WT Financial Group's current Debt-to-EBITDA of 1.11 is 20.4% 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 WT Financial Group. For the Asset Management industry, the median Debt-to-EBITDA is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. WT Financial Group's current Debt-to-EBITDA is 1.11, which is near median its own 10-year median of 1.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is WT Financial Group stock overvalued right now?
Based on GuruFocus' analysis, WT Financial Group (ASX:WTL) is currently considered Modestly Overvalued. The stock's GF Value™ is A$0.13, compared to a current price of A$0.16 — trading 19.2% above its estimated fair value. The current Debt-to-EBITDA is 1.11, which is near median its 10-year median of 1.08 and 20.4% below the Asset Management industry median of 1.40. WT Financial Group's overall GF Score™ is 53/100 with 6 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 WT Financial Group (ASX:WTL), the current Debt-to-EBITDA is 1.11 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 WT Financial Group (ASX:WTL) Overvalued in 2026?
Based on GuruFocus' analysis, WT Financial Group stock appears to be overvalued.
The current stock price of A$0.16 is trading 19.2% above its estimated GF Value™ of A$0.13.
GuruFocus considers WT Financial Group to be Modestly Overvalued.
Key valuation signals for ASX:WTL:
Debt-to-EBITDA: 1.11 (near median its 10-year median of 1.08)
GF Value™: A$0.13 vs. price of A$0.16 (19.2% above fair value)
Industry Position: 20.4% below the Asset Management median (#170 of 384)
No single metric tells the full story. See the ASX:WTL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
WT Financial Group Ltd is a diversified financial services company. The company's operating segment includes Business to Business (B2B), Direct to Consumer (B2C), and All other. It derives a majority of its revenue from the Business to Business (B2B) services segment which includes services like financial planning, investment advice, product sales, licensing services, and product offerings delivered to independently owned financial advice practices through its Wealth today, Sentry, Synchron, and M3 advice divisions. In its Direct to Consumer business segment, the company provides various financial advice, mortgage broking, tax, and accounting services directly to wholesale and retail clients under the Spring Financial Group brand.
53GF Score
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Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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