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Asia Sermkij Leasing PCLBKK:ASK -2.42%52 Debt-to-EBITDA is 42.58 as of Mar. 2026, which is 49% above its 10-year median of 28.49. GuruFocus rates BKK:ASK with a GF Score™ of 52/100 and a GF Value™ of ฿1,242.94 (Possible Value Trap). The stock has 8 warning signs investors should review. Among 284 Credit Services companies, Asia Sermkij Leasing PCL ranks worse than 83.8% 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 Asia Sermkij Leasing PCL's Debt-to-EBITDA or its related term are showing as below:
BKK:ASK'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 23 Med: 28.49 Max: 41.7
Current: 26.43
During the past 13 years, the highest Debt-to-EBITDA Ratio of Asia Sermkij Leasing PCL was 41.70. The lowest was 23.00. And the median was 28.49.
BKK:ASK's Debt-to-EBITDA is ranked worse than 83.8% of 284
companies
in the Credit Services industry
Industry Median: 9.2
vs BKK:ASK: 26.43
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.
Asia Sermkij Leasing PCL Debt-to-EBITDA Related Terms
Asia Sermkij Leasing PCL 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, Asia Sermkij Leasing PCL'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.
Asia Sermkij Leasing PCL Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Asia Sermkij Leasing PCL's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Asia Sermkij Leasing PCL'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 four times the quarterly (Mar. 2026) EBITDA data.
Asia Sermkij Leasing PCL (BKK:ASK) has a Debt-to-EBITDA of 42.58 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 Asia Sermkij Leasing PCL. This is 49% above median its historical median of 28.49. Over the past decade, Asia Sermkij Leasing PCL's Debt-to-EBITDA has ranged from 23.00 to 41.70. According to the industry distribution chart, Asia Sermkij Leasing PCL ranks #238 out of 284 companies in the Credit Services industry, placing it in the top 83.8%.
Is Asia Sermkij Leasing PCL's Debt-to-EBITDA too high?
Asia Sermkij Leasing PCL's current Debt-to-EBITDA of 42.58 is 49% above median its 10-year median of 28.49. Over the past 10 years, this metric has ranged from a low of 23.00 to a high of 41.70. The Credit Services industry median Debt-to-EBITDA is 9.20. Asia Sermkij Leasing PCL's value of 42.58 is 362.8% above this industry median. Based on the distribution chart, Asia Sermkij Leasing PCL ranks #238 out of 284 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Asia Sermkij Leasing PCL has a GF Score™ of 52/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Asia Sermkij Leasing PCL's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Asia Sermkij Leasing PCL ranks #238 out of 284 companies for Debt-to-EBITDA. This places Asia Sermkij Leasing PCL in the lower half of its industry. The industry median Debt-to-EBITDA is 9.20. Asia Sermkij Leasing PCL's value of 42.58 is 362.8% above this benchmark. Historically, Asia Sermkij Leasing PCL's own Debt-to-EBITDA has ranged from 23.00 to 41.70 over the past decade. While the company's 10-year median is 28.49 vs. the industry median of 9.20, Asia Sermkij Leasing PCL 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 9.20, 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. Asia Sermkij Leasing PCL's current Debt-to-EBITDA of 42.58 is 362.8% 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 Asia Sermkij Leasing PCL. For the Credit Services industry, the median Debt-to-EBITDA is 9.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Asia Sermkij Leasing PCL's current Debt-to-EBITDA is 42.58, which is 49% above median its own 10-year median of 28.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Asia Sermkij Leasing PCL stock overvalued right now?
Based on GuruFocus' analysis, Asia Sermkij Leasing PCL (BKK:ASK) is currently considered Possible Value Trap. The stock's GF Value™ is ฿1,242.94, compared to a current price of ฿12.10 — trading 99% below its estimated fair value. The current Debt-to-EBITDA is 42.58, which is 49% above median its 10-year median of 28.49 and 362.8% above the Credit Services industry median of 9.20. Asia Sermkij Leasing PCL's overall GF Score™ is 52/100 with 8 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 Asia Sermkij Leasing PCL (BKK:ASK), the current Debt-to-EBITDA is 42.58 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 Asia Sermkij Leasing PCL (BKK:ASK) Overvalued in 2026?
Based on GuruFocus' analysis, Asia Sermkij Leasing PCL stock appears to be undervalued.
The current stock price of ฿12.10 is trading 99% below its estimated GF Value™ of ฿1,242.94.
GuruFocus considers Asia Sermkij Leasing PCL to be Possible Value Trap.
Key valuation signals for BKK:ASK:
Debt-to-EBITDA: 42.58 (49% above median its 10-year median of 28.49)
GF Value™: ฿1,242.94 vs. price of ฿12.10 (99% below fair value)
Industry Position: 362.8% above the Credit Services median (#238 of 284)
No single metric tells the full story. See the BKK:ASK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Asia Sermkij Leasing PCL operates a hire purchase business for all types of automobiles in the form of new car financing to its customers in Bangkok and the metropolitan area. Subsequently, the company has expanded its business into used car hire purchases, personal loans, and floor plan financing, as well as other services such as auto registration, tax renewal, and insurance services. The company has reportable operating segments: Hire purchase, Leasing, Loan, and Insurance broker. The majority of its revenue is generated from the Hire purchase segment, which provides auto and machine hire purchase services for consumers and commercial customers.
52GF Score
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