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SG Capital PCLBKK:SGC -1.89%56 Debt-to-EBITDA is 6.58 as of Jun. 2026, which is 42% below its 10-year median of 11.28. GuruFocus rates BKK:SGC with a GF Score™ of 56/100 and a GF Value™ of ฿1.02 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 287 Credit Services companies, SG Capital PCL ranks better than 50.87% 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 SG Capital PCL's Debt-to-EBITDA or its related term are showing as below:
BKK:SGC'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -3.6 Med: 11.28 Max: 46.26
Current: 8.73
During the past 7 years, the highest Debt-to-EBITDA Ratio of SG Capital PCL was 46.26. The lowest was -3.60. And the median was 11.28.
BKK:SGC's Debt-to-EBITDA is ranked better than 50.87% of 287
companies
in the Credit Services industry
Industry Median: 8.87
vs BKK:SGC: 8.73
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.
SG Capital PCL Debt-to-EBITDA Related Terms
SG Capital PCL Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for SG Capital 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.
For the Credit Services subindustry, SG Capital 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.
SG Capital PCL Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SG Capital PCL's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where SG Capital 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.
SG Capital PCL (BKK:SGC) has a Debt-to-EBITDA of 6.58 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 SG Capital PCL. This is 42% below median its historical median of 11.28. According to the industry distribution chart, SG Capital PCL ranks #141 out of 287 companies in the Credit Services industry, placing it in the top 49.1%.
Is SG Capital PCL's Debt-to-EBITDA too high?
SG Capital PCL's current Debt-to-EBITDA of 6.58 is 42% below median its 10-year median of 11.28. The Credit Services industry median Debt-to-EBITDA is 8.87. SG Capital PCL's value of 6.58 is 25.8% below this industry median. Based on the distribution chart, SG Capital PCL ranks #141 out of 287 companies in the Credit Services industry, which is above the industry midpoint. Overall, SG Capital PCL has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SG Capital PCL's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, SG Capital PCL ranks #141 out of 287 companies for Debt-to-EBITDA. This puts SG Capital PCL in the upper half of its industry. The industry median Debt-to-EBITDA is 8.87. SG Capital PCL's value of 6.58 is 25.8% below this benchmark. While the company's 10-year median is 11.28 vs. the industry median of 8.87, SG Capital 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 8.87, 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. SG Capital PCL's current Debt-to-EBITDA of 6.58 is 25.8% 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 SG Capital PCL. For the Credit Services industry, the median Debt-to-EBITDA is 8.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SG Capital PCL's current Debt-to-EBITDA is 6.58, which is 42% below median its own 10-year median of 11.28. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SG Capital PCL stock overvalued right now?
Based on GuruFocus' analysis, SG Capital PCL (BKK:SGC) is currently considered Significantly Overvalued. The stock's GF Value™ is ฿1.02, compared to a current price of ฿1.56 — trading 52.9% above its estimated fair value. The current Debt-to-EBITDA is 6.58, which is 42% below median its 10-year median of 11.28 and 25.8% below the Credit Services industry median of 8.87. SG Capital PCL's overall GF Score™ is 56/100 with 4 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 SG Capital PCL (BKK:SGC), the current Debt-to-EBITDA is 6.58 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 SG Capital PCL (BKK:SGC) Overvalued in 2026?
Based on GuruFocus' analysis, SG Capital PCL stock appears to be overvalued.
The current stock price of ฿1.56 is trading 52.9% above its estimated GF Value™ of ฿1.02.
GuruFocus considers SG Capital PCL to be Significantly Overvalued.
Key valuation signals for BKK:SGC:
Debt-to-EBITDA: 6.58 (42% below median its 10-year median of 11.28)
GF Value™: ฿1.02 vs. price of ฿1.56 (52.9% above fair value)
Industry Position: 25.8% below the Credit Services median (#141 of 287)
No single metric tells the full story. See the BKK:SGC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SG Capital PCL is engaged in providing financial services to non-financial institutions. It involves sales by hire purchase contracts of electrical appliances, commercial product, mobile phones and vehicles, and loan receivables and others. The company offers various services such as hire-purchase of electrical appliances and household appliances, commercial appliances and machinery (Captive Finance); and loans with vehicle registration as collateral (trucks, passenger cars, commercial vehicles), debt consolidation welfare loans, and gold installment loans (Click2Gold) under the name SG Capital. The Company is managed and operates principally in Thailand.
56GF Score
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