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.
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 Eastern Commercial Leasing PCL's Debt-to-EBITDA or its related term are showing as below:
BKK:EAST'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 14.95 Med: 23.29 Max: 158.45
Current: 21.89
During the past 13 years, the highest Debt-to-EBITDA Ratio of Eastern Commercial Leasing PCL was 158.45. The lowest was 14.95. And the median was 23.29.
BKK:EAST's Debt-to-EBITDA is ranked worse than 78.75% of 287
companies
in the Credit Services industry
Industry Median: 8.87
vs BKK:EAST: 21.89
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.
Eastern Commercial Leasing PCL Debt-to-EBITDA Related Terms
Eastern Commercial 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, Eastern Commercial 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.
Eastern Commercial Leasing PCL Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Eastern Commercial Leasing PCL's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Eastern Commercial 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.
Eastern Commercial Leasing PCL (BKK:EAST) has a Debt-to-EBITDA of 22.86 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 Eastern Commercial Leasing PCL. This is near median its historical median of 23.29. Over the past decade, Eastern Commercial Leasing PCL's Debt-to-EBITDA has ranged from 14.95 to 158.45. According to the industry distribution chart, Eastern Commercial Leasing PCL ranks #226 out of 287 companies in the Credit Services industry, placing it in the top 78.7%.
Is Eastern Commercial Leasing PCL's Debt-to-EBITDA too high?
Eastern Commercial Leasing PCL's current Debt-to-EBITDA of 22.86 is near median its 10-year median of 23.29. Over the past 10 years, this metric has ranged from a low of 14.95 to a high of 158.45. The Credit Services industry median Debt-to-EBITDA is 8.87. Eastern Commercial Leasing PCL's value of 22.86 is 157.7% above this industry median. Based on the distribution chart, Eastern Commercial Leasing PCL ranks #226 out of 287 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Eastern Commercial Leasing PCL has a GF Score™ of 36/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Eastern Commercial Leasing PCL's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Eastern Commercial Leasing PCL ranks #226 out of 287 companies for Debt-to-EBITDA. This places Eastern Commercial Leasing PCL in the lower half of its industry. The industry median Debt-to-EBITDA is 8.87. Eastern Commercial Leasing PCL's value of 22.86 is 157.7% above this benchmark. Historically, Eastern Commercial Leasing PCL's own Debt-to-EBITDA has ranged from 14.95 to 158.45 over the past decade. While the company's 10-year median is 23.29 vs. the industry median of 8.87, Eastern Commercial 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 8.87, based on 287 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. Eastern Commercial Leasing PCL's current Debt-to-EBITDA of 22.86 is 157.7% 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 Eastern Commercial Leasing PCL. For the Credit Services industry, the median Debt-to-EBITDA is 8.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Eastern Commercial Leasing PCL's current Debt-to-EBITDA is 22.86, which is near median its own 10-year median of 23.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Eastern Commercial Leasing PCL stock overvalued right now?
Based on GuruFocus' analysis, Eastern Commercial Leasing PCL (BKK:EAST) is currently considered Fairly Valued. The stock's GF Value™ is ฿0.80, compared to a current price of ฿0.79 — trading 1.3% below its estimated fair value. The current Debt-to-EBITDA is 22.86, which is near median its 10-year median of 23.29 and 157.7% above the Credit Services industry median of 8.87. Eastern Commercial Leasing PCL's overall GF Score™ is 36/100 with 9 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 Eastern Commercial Leasing PCL (BKK:EAST), the current Debt-to-EBITDA is 22.86 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 Eastern Commercial Leasing PCL (BKK:EAST) Overvalued in 2026?
Based on GuruFocus' analysis, Eastern Commercial Leasing PCL stock appears to be undervalued.
The current stock price of ฿0.79 is trading 1.3% below its estimated GF Value™ of ฿0.80.
GuruFocus considers Eastern Commercial Leasing PCL to be Fairly Valued.
Key valuation signals for BKK:EAST:
Debt-to-EBITDA: 22.86 (near median its 10-year median of 23.29)
GF Value™: ฿0.80 vs. price of ฿0.79 (1.3% below fair value)
Industry Position: 157.7% above the Credit Services median (#226 of 287)
No single metric tells the full story. See the BKK:EAST stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Eastern Commercial Leasing PCL is engaged in business of credit services to personal and juristic person in the form of hire purchase and regulated personal loan with motor vehicle registration as collateral and regulated personal loan without motor vehicle registration as collateral. The company operates in one geographical segment which is domestic.
36GF Score
Get the complete analysis for BKK:EAST
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
BKK:EAST has been successfully added to your 
