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.
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 Dhipaya Group Holdings PCL's Debt-to-EBITDA or its related term are showing as below:
BKK:TIPH'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.04 Med: 0.57 Max: 1.05
Current: 1.01
During the past 6 years, the highest Debt-to-EBITDA Ratio of Dhipaya Group Holdings PCL was 1.05. The lowest was 0.04. And the median was 0.57.
BKK:TIPH's Debt-to-EBITDA is ranked better than 57.14% of 315
companies
in the Insurance industry
Industry Median: 1.22
vs BKK:TIPH: 1.01
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.
Dhipaya Group Holdings PCL Debt-to-EBITDA Related Terms
Dhipaya Group Holdings PCL Debt-to-EBITDA Historical Data
* 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:TIPH vs BRK.A, AIG, HIG: Debt-to-EBITDA Comparison
For the Insurance - Diversified subindustry, Dhipaya Group 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.
Dhipaya Group Holdings PCL Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Dhipaya Group Holdings PCL's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Dhipaya Group 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.
Dhipaya Group Holdings PCL (BKK:TIPH) has a Debt-to-EBITDA of 1.07 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 Dhipaya Group Holdings PCL. This is 88% above median its historical median of 0.57. Over the past decade, Dhipaya Group Holdings PCL's Debt-to-EBITDA has ranged from 0.04 to 1.05. According to the industry distribution chart, Dhipaya Group Holdings PCL ranks #135 out of 315 companies in the Insurance industry, placing it in the top 42.9%.
Is Dhipaya Group Holdings PCL's Debt-to-EBITDA too high?
Dhipaya Group Holdings PCL's current Debt-to-EBITDA of 1.07 is 88% above median its 10-year median of 0.57. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 1.05. The Insurance industry median Debt-to-EBITDA is 1.22. Dhipaya Group Holdings PCL's value of 1.07 is 12.3% below this industry median. Based on the distribution chart, Dhipaya Group Holdings PCL ranks #135 out of 315 companies in the Insurance industry, which is above the industry midpoint. Overall, Dhipaya Group Holdings PCL has a GF Score™ of 85/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Dhipaya Group Holdings PCL's Debt-to-EBITDA compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Dhipaya Group Holdings PCL ranks #135 out of 315 companies for Debt-to-EBITDA. This puts Dhipaya Group Holdings PCL in the upper half of its industry. The industry median Debt-to-EBITDA is 1.22. Dhipaya Group Holdings PCL's value of 1.07 is 12.3% below this benchmark. Historically, Dhipaya Group Holdings PCL's own Debt-to-EBITDA has ranged from 0.04 to 1.05 over the past decade. While the company's 10-year median is 0.57 vs. the industry median of 1.22, Dhipaya Group 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 an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.22, based on 315 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. Dhipaya Group Holdings PCL's current Debt-to-EBITDA of 1.07 is 12.3% 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 Dhipaya Group Holdings PCL. For the Insurance industry, the median Debt-to-EBITDA is 1.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Dhipaya Group Holdings PCL's current Debt-to-EBITDA is 1.07, which is 88% above median its own 10-year median of 0.57. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Dhipaya Group Holdings PCL stock overvalued right now?
Based on GuruFocus' analysis, Dhipaya Group Holdings PCL (BKK:TIPH) is currently considered Fairly Valued. The stock's GF Value™ is ฿24.56, compared to a current price of ฿24.80 — trading 1% above its estimated fair value. The current Debt-to-EBITDA is 1.07, which is 88% above median its 10-year median of 0.57 and 12.3% below the Insurance industry median of 1.22. Dhipaya Group Holdings PCL's overall GF Score™ is 85/100 with 8 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 Dhipaya Group Holdings PCL (BKK:TIPH), the current Debt-to-EBITDA is 1.07 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 Dhipaya Group Holdings PCL (BKK:TIPH) Overvalued in 2026?
Based on GuruFocus' analysis, Dhipaya Group Holdings PCL stock appears to be overvalued.
The current stock price of ฿24.80 is trading 1% above its estimated GF Value™ of ฿24.56.
GuruFocus considers Dhipaya Group Holdings PCL to be Fairly Valued.
Key valuation signals for BKK:TIPH:
Debt-to-EBITDA: 1.07 (88% above median its 10-year median of 0.57)
GF Value™: ฿24.56 vs. price of ฿24.80 (1% above fair value)
Industry Position: 12.3% below the Insurance median (#135 of 315)
No single metric tells the full story. See the BKK:TIPH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Dhipaya Group Holdings PCL engaged in the business of holding investments in other companies. The company's operations are organized into three business segments: non-life insurance, investment, and insurance-supported business. It generates the majority of its revenue from the non-life insurance segment.
85GF Score
Get the complete analysis for BKK:TIPH
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:TIPH has been successfully added to your 
