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.
TIDLOR Holdings PCLBKK:TIDLOR -0.53%9 Debt-to-EBITDA is 7.05 as of Jun. 2026, which is 6% above its 10-year median of 6.67. GuruFocus rates BKK:TIDLOR with a GF Score™ of 9/100. The stock has 2 warning signs investors should review. Among 282 Credit Services companies, TIDLOR Holdings PCL ranks better than 56.03% 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 TIDLOR Holdings PCL's Debt-to-EBITDA or its related term are showing as below:
BKK:TIDLOR'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 6.59 Med: 6.67 Max: 6.75
Current: 6.7
During the past 2 years, the highest Debt-to-EBITDA Ratio of TIDLOR Holdings PCL was 6.75. The lowest was 6.59. And the median was 6.67.
BKK:TIDLOR's Debt-to-EBITDA is ranked better than 56.03% of 282
companies
in the Credit Services industry
Industry Median: 8.585
vs BKK:TIDLOR: 6.70
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.
TIDLOR Holdings PCL Debt-to-EBITDA Related Terms
TIDLOR Holdings PCL Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for TIDLOR Holdings 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:TIDLOR vs V, MA, AXP: Debt-to-EBITDA Comparison
For the Credit Services subindustry, TIDLOR Holdings 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.
TIDLOR Holdings PCL Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, TIDLOR Holdings PCL's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where TIDLOR Holdings 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.
TIDLOR Holdings PCL (BKK:TIDLOR) has a Debt-to-EBITDA of 7.05 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 TIDLOR Holdings PCL. This is near median its historical median of 6.67. Over the past decade, TIDLOR Holdings PCL's Debt-to-EBITDA has ranged from 6.59 to 6.75. According to the industry distribution chart, TIDLOR Holdings PCL ranks #124 out of 282 companies in the Credit Services industry, placing it in the top 44%.
Is TIDLOR Holdings PCL's Debt-to-EBITDA too high?
TIDLOR Holdings PCL's current Debt-to-EBITDA of 7.05 is near median its 10-year median of 6.67. Over the past 10 years, this metric has ranged from a low of 6.59 to a high of 6.75. The Credit Services industry median Debt-to-EBITDA is 8.59. TIDLOR Holdings PCL's value of 7.05 is 17.9% below this industry median. Based on the distribution chart, TIDLOR Holdings PCL ranks #124 out of 282 companies in the Credit Services industry, which is above the industry midpoint. Overall, TIDLOR Holdings PCL has a GF Score™ of 9/100, reflecting its overall financial health beyond just this single metric.
How does TIDLOR Holdings PCL's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, TIDLOR Holdings PCL ranks #124 out of 282 companies for Debt-to-EBITDA. This puts TIDLOR Holdings PCL in the upper half of its industry. The industry median Debt-to-EBITDA is 8.59. TIDLOR Holdings PCL's value of 7.05 is 17.9% below this benchmark. Historically, TIDLOR Holdings PCL's own Debt-to-EBITDA has ranged from 6.59 to 6.75 over the past decade. While the company's 10-year median is 6.67 vs. the industry median of 8.59, TIDLOR Holdings 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 8.59, based on 282 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. TIDLOR Holdings PCL's current Debt-to-EBITDA of 7.05 is 17.9% 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 TIDLOR Holdings PCL. For the Credit Services industry, the median Debt-to-EBITDA is 8.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. TIDLOR Holdings PCL's current Debt-to-EBITDA is 7.05, which is near median its own 10-year median of 6.67. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is TIDLOR Holdings PCL stock overvalued right now?
TIDLOR Holdings PCL (BKK:TIDLOR) has a current Debt-to-EBITDA of 7.05. The current Debt-to-EBITDA is 7.05, which is near median its 10-year median of 6.67 and 17.9% below the Credit Services industry median of 8.59. TIDLOR Holdings PCL's overall GF Score™ is 9/100 with 2 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 TIDLOR Holdings PCL (BKK:TIDLOR), the current Debt-to-EBITDA is 7.05 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.
TIDLOR Holdings PCL operates in the lending and insurance brokerage business. The principal business of the company is to provide loans and hire-purchase for all types of vehicles, as well as non-life insurance brokerage and life insurance brokerage. The operating segments of the company are:: Non-life insurance broker; and Hire-purchase and lending service. It derives maximum revenue from Hire-purchase and lending service segment. The company operates only in Thailand.
9GF Score
Get the complete analysis for BKK:TIDLOR
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:TIDLOR has been successfully added to your 
