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S 11 Group PCLBKK:S11-R +1.98%57 Debt-to-EBITDA is 3.37 as of Jun. 2026, which is 26% below its 10-year median of 4.58. GuruFocus rates BKK:S11-R with a GF Score™ of 57/100 and a GF Value™ of ฿2.60 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 287 Credit Services companies, S 11 Group PCL ranks better than 68.99% 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 S 11 Group PCL's Debt-to-EBITDA or its related term are showing as below:
BKK:S11-R'
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 12 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-R'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-R: 3.73
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.
BKK:S11-R 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.
* 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.
S 11 Group PCL (BKK:S11-R) has a Debt-to-EBITDA of 3.37 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 S 11 Group PCL. This is 26% below median its historical median of 4.58. Over the past decade, S 11 Group PCL's Debt-to-EBITDA has ranged from 3.42 to 16.04. According to the industry distribution chart, S 11 Group PCL ranks #89 out of 287 companies in the Credit Services industry, placing it in the top 31%.
Is S 11 Group PCL's Debt-to-EBITDA too high?
S 11 Group PCL's current Debt-to-EBITDA of 3.37 is 26% below median its 10-year median of 4.58. Over the past 10 years, this metric has ranged from a low of 3.42 to a high of 16.04. The Credit Services industry median Debt-to-EBITDA is 8.34. S 11 Group PCL's value of 3.37 is 59.6% below this industry median. Based on the distribution chart, S 11 Group PCL ranks #89 out of 287 companies in the Credit Services industry, which is above the industry midpoint. Overall, S 11 Group PCL has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does S 11 Group PCL's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, S 11 Group PCL ranks #89 out of 287 companies for Debt-to-EBITDA. This puts S 11 Group PCL in the upper half of its industry. The industry median Debt-to-EBITDA is 8.34. S 11 Group PCL's value of 3.37 is 59.6% below this benchmark. Historically, S 11 Group PCL's own Debt-to-EBITDA has ranged from 3.42 to 16.04 over the past decade. While the company's 10-year median is 4.58 vs. the industry median of 8.34, S 11 Group 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 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. S 11 Group PCL's current Debt-to-EBITDA of 3.37 is 59.6% 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 S 11 Group 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. S 11 Group PCL's current Debt-to-EBITDA is 3.37, which is 26% below median its own 10-year median of 4.58. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is S 11 Group PCL stock overvalued right now?
Based on GuruFocus' analysis, S 11 Group PCL (BKK:S11-R) is currently considered Significantly Overvalued. The stock's GF Value™ is ฿2.60, compared to a current price of ฿4.64 — trading 78.5% above its estimated fair value. The current Debt-to-EBITDA is 3.37, which is 26% below median its 10-year median of 4.58 and 59.6% below the Credit Services industry median of 8.34. S 11 Group PCL's overall GF Score™ is 57/100 with 7 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 S 11 Group PCL (BKK:S11-R), the current Debt-to-EBITDA is 3.37 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 S 11 Group PCL (BKK:S11-R) 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 78.5% above its estimated GF Value™ of ฿2.60.
GuruFocus considers S 11 Group PCL to be Significantly Overvalued.
Key valuation signals for BKK:S11-R:
Debt-to-EBITDA: 3.37 (26% below median its 10-year median of 4.58)
GF Value™: ฿2.60 vs. price of ฿4.64 (78.5% above fair value)
Industry Position: 59.6% below the Credit Services median (#89 of 287)
No single metric tells the full story. See the BKK:S11-R stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
57GF Score
Get the complete analysis for BKK:S11-R
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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