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Phatra Leasing PCLBKK:PL +1.49%58 Debt-to-EBITDA is 5.52 as of Mar. 2026, which is 25% above its 10-year median of 4.43. GuruFocus rates BKK:PL with a GF Score™ of 58/100 and a GF Value™ of ฿1.51 (Modestly Undervalued). The stock has 8 warning signs investors should review. Among 835 Business Services companies, Phatra Leasing PCL ranks worse than 85.39% 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 Phatra Leasing PCL's Debt-to-EBITDA or its related term are showing as below:
BKK:PL'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 3.96 Med: 4.43 Max: 6.73
Current: 5.37
During the past 13 years, the highest Debt-to-EBITDA Ratio of Phatra Leasing PCL was 6.73. The lowest was 3.96. And the median was 4.43.
BKK:PL's Debt-to-EBITDA is ranked worse than 85.39% of 835
companies
in the Business Services industry
Industry Median: 1.65
vs BKK:PL: 5.37
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.
Phatra Leasing PCL Debt-to-EBITDA Related Terms
Phatra Leasing PCL Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Phatra 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:PL vs URI, SUNB, AER: Debt-to-EBITDA Comparison
For the Rental & Leasing Services subindustry, Phatra 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.
Phatra Leasing PCL Debt-to-EBITDA vs Business Services Industry
For the Business Services industry and Industrials sector, Phatra Leasing PCL's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Phatra 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.
Phatra Leasing PCL (BKK:PL) has a Debt-to-EBITDA of 5.52 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 Phatra Leasing PCL. This is 25% above median its historical median of 4.43. Over the past decade, Phatra Leasing PCL's Debt-to-EBITDA has ranged from 3.96 to 6.73. According to the industry distribution chart, Phatra Leasing PCL ranks #713 out of 835 companies in the Business Services industry, placing it in the top 85.4%.
Is Phatra Leasing PCL's Debt-to-EBITDA too high?
Phatra Leasing PCL's current Debt-to-EBITDA of 5.52 is 25% above median its 10-year median of 4.43. Over the past 10 years, this metric has ranged from a low of 3.96 to a high of 6.73. The Business Services industry median Debt-to-EBITDA is 1.65. Phatra Leasing PCL's value of 5.52 is 234.5% above this industry median. Based on the distribution chart, Phatra Leasing PCL ranks #713 out of 835 companies in the Business Services industry, which is in the bottom quartile relative to peers. Overall, Phatra Leasing PCL has a GF Score™ of 58/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Phatra Leasing PCL's Debt-to-EBITDA compare to URI and SUNB?
According to the Business Services industry distribution chart, Phatra Leasing PCL ranks #713 out of 835 companies for Debt-to-EBITDA. This places Phatra Leasing PCL in the lower half of its industry. The industry median Debt-to-EBITDA is 1.65. Phatra Leasing PCL's value of 5.52 is 234.5% above this benchmark. Historically, Phatra Leasing PCL's own Debt-to-EBITDA has ranged from 3.96 to 6.73 over the past decade. While the company's 10-year median is 4.43 vs. the industry median of 1.65, Phatra 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 Business Services company?
The median Debt-to-EBITDA among Business Services companies is 1.65, based on 835 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. Phatra Leasing PCL's current Debt-to-EBITDA of 5.52 is 234.5% 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 Phatra Leasing PCL. For the Business Services industry, the median Debt-to-EBITDA is 1.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Phatra Leasing PCL's current Debt-to-EBITDA is 5.52, which is 25% 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 Phatra Leasing PCL stock overvalued right now?
Based on GuruFocus' analysis, Phatra Leasing PCL (BKK:PL) is currently considered Modestly Undervalued. The stock's GF Value™ is ฿1.51, compared to a current price of ฿1.36 — trading 9.9% below its estimated fair value. The current Debt-to-EBITDA is 5.52, which is 25% above median its 10-year median of 4.43 and 234.5% above the Business Services industry median of 1.65. Phatra Leasing PCL's overall GF Score™ is 58/100 with 8 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 Phatra Leasing PCL (BKK:PL), the current Debt-to-EBITDA is 5.52 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 Phatra Leasing PCL (BKK:PL) Overvalued in 2026?
Based on GuruFocus' analysis, Phatra Leasing PCL stock appears to be undervalued.
The current stock price of ฿1.36 is trading 9.9% below its estimated GF Value™ of ฿1.51.
GuruFocus considers Phatra Leasing PCL to be Modestly Undervalued.
Key valuation signals for BKK:PL:
Debt-to-EBITDA: 5.52 (25% above median its 10-year median of 4.43)
GF Value™: ฿1.51 vs. price of ฿1.36 (9.9% below fair value)
Industry Position: 234.5% above the Business Services median (#713 of 835)
No single metric tells the full story. See the BKK:PL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Phatra Leasing PCL is engaged in the provision of leasing services. The company operates in two segments; the Land Vehicle segment and the Others segment. The company provides PL Auto Leasing services in both operating leases and financial leases for vehicles such as cars, including executive cars, and cars used in the organization, with comprehensive services ranging from car procurement, and others; and PL Commercial Leasing provides leasing services in the form of financial leases for a variety of other commercial properties, such as medical equipment, machinery, computers, and general equipment. The Company operates only in Thailand. The Land Vehicle segment accounts for a majority of the company's revenue.
58GF Score
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