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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 Micro Leasing PCL's Debt-to-EBITDA or its related term are showing as below:
BKK:MICRO'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 3.85 Med: 9.2 Max: 27.81
Current: 21.57
During the past 8 years, the highest Debt-to-EBITDA Ratio of Micro Leasing PCL was 27.81. The lowest was 3.85. And the median was 9.20.
BKK:MICRO's Debt-to-EBITDA is ranked worse than 76.76% of 284
companies
in the Credit Services industry
Industry Median: 9.2
vs BKK:MICRO: 21.57
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.
Micro Leasing PCL Debt-to-EBITDA Related Terms
Micro Leasing PCL Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Micro Leasing 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:MICRO vs V, MA, AXP: Debt-to-EBITDA Comparison
For the Credit Services subindustry, Micro 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.
Micro Leasing PCL Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Micro Leasing PCL's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Micro 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 (Dec. 2025) EBITDA data.
Micro Leasing PCL (BKK:MICRO) has a Debt-to-EBITDA of -8.30 as of Dec. 2025. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Micro Leasing PCL. Over the past decade, Micro Leasing PCL's Debt-to-EBITDA has ranged from 3.85 to 27.81. According to the industry distribution chart, Micro Leasing PCL ranks #218 out of 284 companies in the Credit Services industry, placing it in the top 76.8%.
Is Micro Leasing PCL's Debt-to-EBITDA too high?
Micro Leasing PCL's current Debt-to-EBITDA is -8.30. Over the past 10 years, this metric has ranged from a low of 3.85 to a high of 27.81. Based on the distribution chart, Micro Leasing PCL ranks #218 out of 284 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Micro Leasing PCL has a GF Score™ of 66/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Micro Leasing PCL's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Micro Leasing PCL ranks #218 out of 284 companies for Debt-to-EBITDA. This places Micro Leasing PCL in the lower half of its industry. The industry median Debt-to-EBITDA is 9.20. Historically, Micro Leasing PCL's own Debt-to-EBITDA has ranged from 3.85 to 27.81 over the past decade. 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 9.20, based on 284 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. 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 Micro Leasing PCL. For the Credit Services industry, the median Debt-to-EBITDA is 9.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Micro Leasing PCL's current Debt-to-EBITDA is -8.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Micro Leasing PCL stock overvalued right now?
Based on GuruFocus' analysis, Micro Leasing PCL (BKK:MICRO) is currently considered Significantly Overvalued. The stock's GF Value™ is ฿1.06, compared to a current price of ฿1.53 — trading 44.3% above its estimated fair value. The current Debt-to-EBITDA is -8.30. Micro Leasing PCL's overall GF Score™ is 66/100 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 Micro Leasing PCL (BKK:MICRO), the current Debt-to-EBITDA is -8.30 as of Dec. 2025. 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 Micro Leasing PCL (BKK:MICRO) Overvalued in 2026?
Based on GuruFocus' analysis, Micro Leasing PCL stock appears to be overvalued.
The current stock price of ฿1.53 is trading 44.3% above its estimated GF Value™ of ฿1.06.
GuruFocus considers Micro Leasing PCL to be Significantly Overvalued.
Key valuation signals for BKK:MICRO:
Debt-to-EBITDA: -8.30
GF Value™: ฿1.06 vs. price of ฿1.53 (44.3% above fair value)
No single metric tells the full story. See the BKK:MICRO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Micro Leasing PCL is engaged in the business of providing hire purchase loans for used trucks, such as six-wheel, ten-wheel, and motorcycles. The Group's operations involves operating segments which are hire purchase of trucks business, hire purchase of motorcycles business; insurance brokerage business and personal loan business. The company carries its operations in Thailand. It generates majority of its revenue from Hire purchase of trucks business.
66GF Score
Get the complete analysis for BKK:MICRO
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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