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ASN Broker PCLBKK:ASN -0.95%59 Debt-to-EBITDA is 5.08 as of Mar. 2026, which is 29% below its 10-year median of 7.18. GuruFocus rates BKK:ASN with a GF Score™ of 59/100 and a GF Value™ of ฿1.65 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 319 Insurance companies, ASN Broker PCL ranks worse than 94.04% 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 ASN Broker PCL's Debt-to-EBITDA or its related term are showing as below:
BKK:ASN'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.8 Med: 7.18 Max: 9.05
Current: 6.15
During the past 11 years, the highest Debt-to-EBITDA Ratio of ASN Broker PCL was 9.05. The lowest was 0.80. And the median was 7.18.
BKK:ASN's Debt-to-EBITDA is ranked worse than 94.04% of 319
companies
in the Insurance industry
Industry Median: 1.19
vs BKK:ASN: 6.15
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.
ASN Broker PCL Debt-to-EBITDA Related Terms
ASN Broker PCL Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for ASN Broker PCL'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.
BKK:ASN vs MRSH, AON, AJG: Debt-to-EBITDA Comparison
For the Insurance Brokers subindustry, ASN Broker 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.
ASN Broker PCL Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, ASN Broker PCL's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where ASN Broker 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.
ASN Broker PCL (BKK:ASN) has a Debt-to-EBITDA of 5.08 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 ASN Broker PCL. This is 29% below median its historical median of 7.18. Over the past decade, ASN Broker PCL's Debt-to-EBITDA has ranged from 0.80 to 9.05. According to the industry distribution chart, ASN Broker PCL ranks #300 out of 319 companies in the Insurance industry, placing it in the top 94%.
Is ASN Broker PCL's Debt-to-EBITDA too high?
ASN Broker PCL's current Debt-to-EBITDA of 5.08 is 29% below median its 10-year median of 7.18. Over the past 10 years, this metric has ranged from a low of 0.80 to a high of 9.05. The Insurance industry median Debt-to-EBITDA is 1.19. ASN Broker PCL's value of 5.08 is 326.9% above this industry median. Based on the distribution chart, ASN Broker PCL ranks #300 out of 319 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, ASN Broker PCL has a GF Score™ of 59/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does ASN Broker PCL's Debt-to-EBITDA compare to MRSH and AON?
According to the Insurance industry distribution chart, ASN Broker PCL ranks #300 out of 319 companies for Debt-to-EBITDA. This places ASN Broker PCL in the lower half of its industry. The industry median Debt-to-EBITDA is 1.19. ASN Broker PCL's value of 5.08 is 326.9% above this benchmark. Historically, ASN Broker PCL's own Debt-to-EBITDA has ranged from 0.80 to 9.05 over the past decade. While the company's 10-year median is 7.18 vs. the industry median of 1.19, ASN Broker 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 an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.19, based on 319 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. ASN Broker PCL's current Debt-to-EBITDA of 5.08 is 326.9% 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 ASN Broker PCL. For the Insurance industry, the median Debt-to-EBITDA is 1.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ASN Broker PCL's current Debt-to-EBITDA is 5.08, which is 29% below median its own 10-year median of 7.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ASN Broker PCL stock overvalued right now?
Based on GuruFocus' analysis, ASN Broker PCL (BKK:ASN) is currently considered Possible Value Trap. The stock's GF Value™ is ฿1.65, compared to a current price of ฿1.04 — trading 37% below its estimated fair value. The current Debt-to-EBITDA is 5.08, which is 29% below median its 10-year median of 7.18 and 326.9% above the Insurance industry median of 1.19. ASN Broker PCL's overall GF Score™ is 59/100 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 ASN Broker PCL (BKK:ASN), the current Debt-to-EBITDA is 5.08 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 ASN Broker PCL (BKK:ASN) Overvalued in 2026?
Based on GuruFocus' analysis, ASN Broker PCL stock appears to be undervalued.
The current stock price of ฿1.04 is trading 37% below its estimated GF Value™ of ฿1.65.
GuruFocus considers ASN Broker PCL to be Possible Value Trap.
Key valuation signals for BKK:ASN:
Debt-to-EBITDA: 5.08 (29% below median its 10-year median of 7.18)
GF Value™: ฿1.65 vs. price of ฿1.04 (37% below fair value)
Industry Position: 326.9% above the Insurance median (#300 of 319)
No single metric tells the full story. See the BKK:ASN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
ASN Broker PCL is a Thailand-based company operating as a direct non-life insurance broker, mainly focusing on selling automobile insurance products. It has also expanded into the personal loan, title loan, and hire purchase business under the name ASN Finance. The Group's reportable segments are: Insurance Broker, Peer-to-peer lending platform, and Loan. Maximum revenue is generated from the Insurance Broker segment, which includes non-life insurance brokers and life insurance broker services. The Loan segment includes lending services through title loans and hire purchase. The Group is managed and operates principally in Thailand.
59GF Score
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