S 11 Group PCL (BKK:S11) Debt-to-EBITDA : (As of Jun. 2026)

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BKK:S11 S 11 Group PCL BKK:S11
65 GF Score
Price ฿4.64
GF Value ฿3.14
Valuation Significantly Overvalued
! 7 Warning Signs
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What is S 11 Group PCL Debt-to-EBITDA?

Debt-to-EBITDA measures a company's ability to pay off its debt.

S 11 Group PCL's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was ฿1,554 Mil. S 11 Group PCL's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was ฿938 Mil. S 11 Group PCL's annualized EBITDA for the quarter that ended in Jun. 2026 was ฿639 Mil. S 11 Group PCL's annualized Debt-to-EBITDA for the quarter that ended in Jun. 2026 was 3.90.

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 S 11 Group PCL's Debt-to-EBITDA or its related term are showing as below:

BKK:S11' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 3.42   Med: 4.58   Max: 16.04
Current: 3.73

During the past 13 years, the highest Debt-to-EBITDA Ratio of S 11 Group PCL was 16.04. The lowest was 3.42. And the median was 4.58.

BKK:S11's Debt-to-EBITDA is ranked better than
68.99% of 287 companies
in the Credit Services industry
Industry Median: 8.34 vs BKK:S11: 3.73

S 11 Group PCL  (BKK:S11) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.


Be Aware

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.


S 11 Group PCL Debt-to-EBITDA Related Terms


S 11 Group PCL Debt-to-EBITDA Historical Data

* Premium members only.

The historical data trend for S 11 Group 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.

S 11 Group PCL Debt-to-EBITDA Chart

S 11 Group PCL Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-EBITDA
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S 11 Group PCL Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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BKK:S11 vs V, MA, AXP: Debt-to-EBITDA Comparison

For the Credit Services subindustry, S 11 Group 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.


S 11 Group PCL Debt-to-EBITDA vs Credit Services Industry

For the Credit Services industry and Financial Services sector, S 11 Group PCL's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where S 11 Group PCL's Debt-to-EBITDA falls into.


BKK:S11
65GF Score
S 11 Group PCL BKK:S11
Debt-to-EBITDA is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

S 11 Group PCL Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

S 11 Group PCL's Debt-to-EBITDA for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(1574.6708 + 993.752388) / 475.127574
=5.41

S 11 Group PCL's annualized Debt-to-EBITDA for the quarter that ended in Jun. 2026 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(1553.553696 + 938.0658) / 639.245536
=3.90

* 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.

Is S 11 Group PCL (BKK:S11) Overvalued in 2026?

Based on GuruFocus' analysis, S 11 Group PCL stock appears to be overvalued. The current stock price of ฿4.64 is trading 47.8% above its estimated GF Value™ of ฿3.14. GuruFocus considers S 11 Group PCL to be Significantly Overvalued.

Key valuation signals for BKK:S11:

  • Debt-to-EBITDA:
  • GF Value™: ฿3.14 vs. price of ฿4.64 (47.8% above fair value)
  • GF Score™: 65/100 with 7 warning signs

No single metric tells the full story. See the BKK:S11 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


S 11 Group PCL Business Description

Other Exchanges S11-R:Thailand
Address 888, Soi Chatuchot 10, Chatuchot Road, Ao Ngoen, Sai Mai, Bangkok, THA, 10220
S 11 Group PCL is principally engaged in the hire purchase of motorcycles and loans secured against motorcycle registrations. Geographically, the company operates in Thailand.
65GF Score

Get the complete analysis for BKK:S11

Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

฿4.64
Price
฿3.14
GF Value