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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 Krungthai Card PCL's Debt-to-EBITDA or its related term are showing as below:
BKK:KTC-F's Debt-to-EBITDA is not ranked *
in the Credit Services industry.
Industry Median: 8.34 * Ranked among companies with meaningful Debt-to-EBITDA only.
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.
Krungthai Card PCL Debt-to-EBITDA Related Terms
Krungthai Card PCL Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Krungthai Card 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:KTC-F vs V, MA, AXP: Debt-to-EBITDA Comparison
For the Credit Services subindustry, Krungthai Card 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.
Krungthai Card PCL Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Krungthai Card PCL's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Krungthai Card 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 (Jun. 2026) EBITDA data.
Krungthai Card PCL (BKK:KTC-F) has a Debt-to-EBITDA of 4.14 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Krungthai Card PCL. According to the industry distribution chart, Krungthai Card PCL ranks #999999 out of 287 companies in the Credit Services industry.
Is Krungthai Card PCL's Debt-to-EBITDA too high?
Krungthai Card PCL's current Debt-to-EBITDA is 4.14. The Credit Services industry median Debt-to-EBITDA is 8.34. Krungthai Card PCL's value of 4.14 is 50.4% below this industry median. Based on the distribution chart, Krungthai Card PCL ranks #999999 out of 287 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Krungthai Card PCL has a GF Score™ of 66/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Krungthai Card PCL's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Krungthai Card PCL ranks #999999 out of 287 companies for Debt-to-EBITDA. This places Krungthai Card PCL in the lower half of its industry. The industry median Debt-to-EBITDA is 8.34. Krungthai Card PCL's value of 4.14 is 50.4% below this benchmark. 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 8.34, 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. Krungthai Card PCL's current Debt-to-EBITDA of 4.14 is 50.4% 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 Krungthai Card PCL. For the Credit Services industry, the median Debt-to-EBITDA is 8.34 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Krungthai Card PCL's current Debt-to-EBITDA is 4.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Krungthai Card PCL stock overvalued right now?
Based on GuruFocus' analysis, Krungthai Card PCL (BKK:KTC-F) is currently considered Modestly Undervalued. The stock's GF Value™ is ฿42.12, compared to a current price of ฿37.25 — trading 11.6% below its estimated fair value. The current Debt-to-EBITDA is 4.14 and 50.4% below the Credit Services industry median of 8.34. Krungthai Card PCL's overall GF Score™ is 66/100 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 Krungthai Card PCL (BKK:KTC-F), the current Debt-to-EBITDA is 4.14 as of Jun. 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 Krungthai Card PCL (BKK:KTC-F) Overvalued in 2026?
Based on GuruFocus' analysis, Krungthai Card PCL stock appears to be undervalued.
The current stock price of ฿37.25 is trading 11.6% below its estimated GF Value™ of ฿42.12.
GuruFocus considers Krungthai Card PCL to be Modestly Undervalued.
Key valuation signals for BKK:KTC-F:
Debt-to-EBITDA: 4.14
GF Value™: ฿42.12 vs. price of ฿37.25 (11.6% below fair value)
Industry Position: 50.4% below the Credit Services median (#999999 of 287)
No single metric tells the full story. See the BKK:KTC-F stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Krungthai Card Public Company Limited (KTC) is a Thai non-bank financial services provider operating as a single business segment within Thailand. The company issues and services credit cards, including co-branded and affinity cards, and offers personal loans and revolving credit products to individual consumers. Its portfolio also includes merchant acquiring and payment services, enabling cardholders to pay at partner merchants, as well as loyalty and rewards programs tied to its card products. KTC serves retail customers across Thailand through bank partnerships, direct marketing, and digital channels, and it operates under the Krungthai umbrella while functioning as a separately listed entity. Revenue is generated primarily from interest and fee income on credit cards and personal loans, merchant discount fees, and related service charges, with funding obtained through deposits, borrowings, and debt issuance in Thai capital markets.
66GF Score
Get the complete analysis for BKK:KTC-F
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