JMT Network Services PCLBKK:JMT-R 83 Debt-to-EBITDA is 5.46 as of Mar. 2026, which is 23% above its 10-year median of 4.43. GuruFocus rates BKK:JMT-R with a GF Score™ of 83/100 and a GF Value™ of ฿39.60. The stock has 9 warning signs investors should review. Among 281 Credit Services companies, JMT Network Services PCL ranks better than 64.41% 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 JMT Network Services PCL's Debt-to-EBITDA or its related term are showing as below:
BKK:JMT-R'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 3.59 Med: 4.43 Max: 5.22
Current: 5.1
During the past 13 years, the highest Debt-to-EBITDA Ratio of JMT Network Services PCL was 5.22. The lowest was 3.59. And the median was 4.43.
BKK:JMT-R's Debt-to-EBITDA is ranked better than 64.41% of 281
companies
in the Credit Services industry
Industry Median: 9.32
vs BKK:JMT-R: 5.10
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.
JMT Network Services PCL Debt-to-EBITDA Related Terms
JMT Network Services 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.
BKK:JMT-R vs V, MA, AXP: Debt-to-EBITDA Comparison
For the Credit Services subindustry, JMT Network Services 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.
JMT Network Services PCL Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, JMT Network Services PCL's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where JMT Network Services 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.
JMT Network Services PCL (BKK:JMT-R) has a Debt-to-EBITDA of 5.46 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 JMT Network Services PCL. This is 23% above median its historical median of 4.43. Over the past decade, JMT Network Services PCL's Debt-to-EBITDA has ranged from 3.59 to 5.22. According to the industry distribution chart, JMT Network Services PCL ranks #100 out of 281 companies in the Credit Services industry, placing it in the top 35.6%.
Is JMT Network Services PCL's Debt-to-EBITDA too high?
JMT Network Services PCL's current Debt-to-EBITDA of 5.46 is 23% above median its 10-year median of 4.43. Over the past 10 years, this metric has ranged from a low of 3.59 to a high of 5.22. The Credit Services industry median Debt-to-EBITDA is 9.32. JMT Network Services PCL's value of 5.46 is 41.4% below this industry median. Based on the distribution chart, JMT Network Services PCL ranks #100 out of 281 companies in the Credit Services industry, which is above the industry midpoint. Overall, JMT Network Services PCL has a GF Score™ of 83/100, reflecting its overall financial health beyond just this single metric.
How does JMT Network Services PCL's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, JMT Network Services PCL ranks #100 out of 281 companies for Debt-to-EBITDA. This puts JMT Network Services PCL in the upper half of its industry. The industry median Debt-to-EBITDA is 9.32. JMT Network Services PCL's value of 5.46 is 41.4% below this benchmark. Historically, JMT Network Services PCL's own Debt-to-EBITDA has ranged from 3.59 to 5.22 over the past decade. While the company's 10-year median is 4.43 vs. the industry median of 9.32, JMT Network Services 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. JMT Network Services PCL's current Debt-to-EBITDA of 5.46 is 41.4% 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 JMT Network Services 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. JMT Network Services PCL's current Debt-to-EBITDA is 5.46, which is 23% above median its own 10-year median of 4.43. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is JMT Network Services PCL stock overvalued right now?
JMT Network Services PCL (BKK:JMT-R) has a current Debt-to-EBITDA of 5.46. The stock's GF Value™ is ฿39.60, compared to a current price of ฿35.81 — trading 9.6% below its estimated fair value. The current Debt-to-EBITDA is 5.46, which is 23% above median its 10-year median of 4.43 and 41.4% below the Credit Services industry median of 9.32. JMT Network Services PCL's overall GF Score™ is 83/100 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 JMT Network Services PCL (BKK:JMT-R), the current Debt-to-EBITDA is 5.46 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 JMT Network Services PCL (BKK:JMT-R) Overvalued in 2026?
Based on GuruFocus' analysis, JMT Network Services PCL stock appears to be undervalued.
The current stock price of ฿35.81 is trading 9.6% below its estimated GF Value™ of ฿39.60.
Key valuation signals for BKK:JMT-R:
Debt-to-EBITDA: 5.46 (23% above median its 10-year median of 4.43)
GF Value™: ฿39.60 vs. price of ฿35.81 (9.6% below fair value)
Industry Position: 41.4% below the Credit Services median (#100 of 281)
No single metric tells the full story. See the BKK:JMT-R stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
JMT Network Services PCL is engaged in debt collection services, purchase of non-performing accounts receivable from financial institutions for debt management and collection, providing finance leasing services, and insurance broker services. The company has three reportable segments, which are Debt tracking and collection service, Non-performing accounts receivable management business, and Insurance business. Its Debt collection segment generates maximum revenue for the company. Geographically, the company generates almost all of its revenue from Thailand.
83GF Score
Get the complete analysis for BKK:JMT-R
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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