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.
BKK:IFS-R'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 8.21 Med: 10.05 Max: 13.38
Current: 8.71
During the past 13 years, the highest Debt-to-EBITDA Ratio of IFS Capital Holdings (Thailand) PCL was 13.38. The lowest was 8.21. And the median was 10.05.
BKK:IFS-R's Debt-to-EBITDA is ranked better than 52.31% of 281
companies
in the Credit Services industry
Industry Median: 9.32
vs BKK:IFS-R: 8.71
IFS Capital Holdings (Thailand) PCL (BKK:IFS-R) 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.
IFS Capital Holdings (Thailand) PCL Debt-to-EBITDA Related Terms
IFS Capital Holdings (Thailand) 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.
IFS Capital Holdings (Thailand) PCL Debt-to-EBITDA Chart
BKK:IFS-R vs V, MA, AXP: Debt-to-EBITDA Comparison
For the Credit Services subindustry, IFS Capital Holdings (Thailand) 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.
IFS Capital Holdings (Thailand) PCL Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, IFS Capital Holdings (Thailand) PCL's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where IFS Capital Holdings (Thailand) 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.
IFS Capital Holdings (Thailand) PCL (BKK:IFS-R) has a Debt-to-EBITDA of 8.33 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 IFS Capital Holdings (Thailand) PCL. This is 17% below median its historical median of 10.05. Over the past decade, IFS Capital Holdings (Thailand) PCL's Debt-to-EBITDA has ranged from 8.21 to 13.38. According to the industry distribution chart, IFS Capital Holdings (Thailand) PCL ranks #134 out of 281 companies in the Credit Services industry, placing it in the top 47.7%.
Is IFS Capital Holdings (Thailand) PCL's Debt-to-EBITDA too high?
IFS Capital Holdings (Thailand) PCL's current Debt-to-EBITDA of 8.33 is 17% below median its 10-year median of 10.05. Over the past 10 years, this metric has ranged from a low of 8.21 to a high of 13.38. The Credit Services industry median Debt-to-EBITDA is 9.32. IFS Capital Holdings (Thailand) PCL's value of 8.33 is 10.6% below this industry median. Based on the distribution chart, IFS Capital Holdings (Thailand) PCL ranks #134 out of 281 companies in the Credit Services industry, which is above the industry midpoint. Overall, IFS Capital Holdings (Thailand) PCL has a GF Score™ of 70/100, reflecting its overall financial health beyond just this single metric.
How does IFS Capital Holdings (Thailand) PCL's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, IFS Capital Holdings (Thailand) PCL ranks #134 out of 281 companies for Debt-to-EBITDA. This puts IFS Capital Holdings (Thailand) PCL in the upper half of its industry. The industry median Debt-to-EBITDA is 9.32. IFS Capital Holdings (Thailand) PCL's value of 8.33 is 10.6% below this benchmark. Historically, IFS Capital Holdings (Thailand) PCL's own Debt-to-EBITDA has ranged from 8.21 to 13.38 over the past decade. While the company's 10-year median is 10.05 vs. the industry median of 9.32, IFS Capital Holdings (Thailand) PCL 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 a Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 9.32, based on 281 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. IFS Capital Holdings (Thailand) PCL's current Debt-to-EBITDA of 8.33 is 10.6% 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 IFS Capital Holdings (Thailand) PCL. For the Credit Services industry, the median Debt-to-EBITDA is 9.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. IFS Capital Holdings (Thailand) PCL's current Debt-to-EBITDA is 8.33, which is 17% below median its own 10-year median of 10.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IFS Capital Holdings (Thailand) PCL stock overvalued right now?
IFS Capital Holdings (Thailand) PCL (BKK:IFS-R) has a current Debt-to-EBITDA of 8.33. The stock's GF Value™ is ฿2.74, compared to a current price of ฿1.89 — trading 31% below its estimated fair value. The current Debt-to-EBITDA is 8.33, which is 17% below median its 10-year median of 10.05 and 10.6% below the Credit Services industry median of 9.32. IFS Capital Holdings (Thailand) PCL's overall GF Score™ is 70/100 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 IFS Capital Holdings (Thailand) PCL (BKK:IFS-R), the current Debt-to-EBITDA is 8.33 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 IFS Capital Holdings (Thailand) PCL (BKK:IFS-R) Overvalued in 2026?
Based on GuruFocus' analysis, IFS Capital Holdings (Thailand) PCL stock appears to be undervalued.
The current stock price of ฿1.89 is trading 31% below its estimated GF Value™ of ฿2.74.
Key valuation signals for BKK:IFS-R:
Debt-to-EBITDA: 8.33 (17% below median its 10-year median of 10.05)
GF Value™: ฿2.74 vs. price of ฿1.89 (31% below fair value)
Industry Position: 10.6% below the Credit Services median (#134 of 281)
No single metric tells the full story. See the BKK:IFS-R stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
IFS Capital Holdings (Thailand) PCL Business Description
IFS Capital Holdings (Thailand) PCL is a Thailand-based company which is involved in three business segments. A factoring business is a short-term loan that provides liquidity to the business immediately and enables the business to increase its turnover in the form of buying accounts receivable. The factoring facility applies to both domestic and international sales. Hire purchase and finance leasing businesses are long-term loans for investment in the business industry. Others encompass a range of activities from corporate decisions, income, and expenses not attributed to the business segments described. The majority of revenue is derived from Factoring Business.
70GF 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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