Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Star Money PCLBKK:STARM +2.15%44 Debt-to-EBITDA is 8.31 as of Mar. 2026, which is 30% below its 10-year median of 11.86. GuruFocus rates BKK:STARM with a GF Score™ of 44/100 and a GF Value™ of ฿1.00 (Fairly Valued). The stock has 4 warning signs investors should review. Among 284 Credit Services companies, Star Money PCL ranks better than 53.17% 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 Star Money PCL's Debt-to-EBITDA or its related term are showing as below:
BKK:STARM'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 8.33 Med: 11.86 Max: 14.96
Current: 8.33
During the past 6 years, the highest Debt-to-EBITDA Ratio of Star Money PCL was 14.96. The lowest was 8.33. And the median was 11.86.
BKK:STARM's Debt-to-EBITDA is ranked better than 53.17% of 284
companies
in the Credit Services industry
Industry Median: 9.3
vs BKK:STARM: 8.33
Star Money PCL (BKK:STARM) Debt-to-EBITDA Explanation
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.
Star Money PCL Debt-to-EBITDA Related Terms
Star Money PCL Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Star Money 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:STARM vs V, MA, AXP: Debt-to-EBITDA Comparison
For the Credit Services subindustry, Star Money 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.
Star Money PCL Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Star Money PCL's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Star Money 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.
Star Money PCL (BKK:STARM) has a Debt-to-EBITDA of 8.31 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 Star Money PCL. This is 30% below median its historical median of 11.86. Over the past decade, Star Money PCL's Debt-to-EBITDA has ranged from 8.33 to 14.96. According to the industry distribution chart, Star Money PCL ranks #133 out of 284 companies in the Credit Services industry, placing it in the top 46.8%.
Is Star Money PCL's Debt-to-EBITDA too high?
Star Money PCL's current Debt-to-EBITDA of 8.31 is 30% below median its 10-year median of 11.86. Over the past 10 years, this metric has ranged from a low of 8.33 to a high of 14.96. The Credit Services industry median Debt-to-EBITDA is 9.30. Star Money PCL's value of 8.31 is 10.6% below this industry median. Based on the distribution chart, Star Money PCL ranks #133 out of 284 companies in the Credit Services industry, which is above the industry midpoint. Overall, Star Money PCL has a GF Score™ of 44/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Star Money PCL's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Star Money PCL ranks #133 out of 284 companies for Debt-to-EBITDA. This puts Star Money PCL in the upper half of its industry. The industry median Debt-to-EBITDA is 9.30. Star Money PCL's value of 8.31 is 10.6% below this benchmark. Historically, Star Money PCL's own Debt-to-EBITDA has ranged from 8.33 to 14.96 over the past decade. While the company's 10-year median is 11.86 vs. the industry median of 9.30, Star Money 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 9.30, 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. Star Money PCL's current Debt-to-EBITDA of 8.31 is 10.6% 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 Star Money PCL. For the Credit Services industry, the median Debt-to-EBITDA is 9.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Star Money PCL's current Debt-to-EBITDA is 8.31, which is 30% below median its own 10-year median of 11.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Star Money PCL stock overvalued right now?
Based on GuruFocus' analysis, Star Money PCL (BKK:STARM) is currently considered Fairly Valued. The stock's GF Value™ is ฿1.00, compared to a current price of ฿0.95 — trading 5% below its estimated fair value. The current Debt-to-EBITDA is 8.31, which is 30% below median its 10-year median of 11.86 and 10.6% below the Credit Services industry median of 9.30. Star Money PCL's overall GF Score™ is 44/100 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 Star Money PCL (BKK:STARM), the current Debt-to-EBITDA is 8.31 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 Star Money PCL (BKK:STARM) Overvalued in 2026?
Based on GuruFocus' analysis, Star Money PCL stock appears to be undervalued.
The current stock price of ฿0.95 is trading 5% below its estimated GF Value™ of ฿1.00.
GuruFocus considers Star Money PCL to be Fairly Valued.
Key valuation signals for BKK:STARM:
Debt-to-EBITDA: 8.31 (30% below median its 10-year median of 11.86)
GF Value™: ฿1.00 vs. price of ฿0.95 (5% below fair value)
Industry Position: 10.6% below the Credit Services median (#133 of 284)
No single metric tells the full story. See the BKK:STARM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Star Money PCL is an electrical appliance distributor and a credit provider. It provides services of Electrical appliances, Credit, and Insurance. The group has four reportable segments as follows: Sales, Hire purchase, Lending business, and Others. The majority of its revenue is derived from the Sales segment.
44GF Score
Get the complete analysis for BKK:STARM
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BKK:STARM has been successfully added to your 
