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Union Mosaic Industry PCLBKK:UMI-R +1.14%40 Debt-to-EBITDA is 1.33 as of Jun. 2026, which is 67% below its 10-year median of 4.08. GuruFocus rates BKK:UMI-R with a GF Score™ of 40/100 and a GF Value™ of ฿0.55 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,408 Construction companies, Union Mosaic Industry PCL ranks better than 80.47% 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 Union Mosaic Industry PCL's Debt-to-EBITDA or its related term are showing as below:
BKK:UMI-R'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.47 Med: 4.08 Max: 7.39
Current: 0.47
During the past 13 years, the highest Debt-to-EBITDA Ratio of Union Mosaic Industry PCL was 7.39. The lowest was 0.47. And the median was 4.08.
BKK:UMI-R's Debt-to-EBITDA is ranked better than 80.47% of 1408
companies
in the Construction industry
Industry Median: 2.1
vs BKK:UMI-R: 0.47
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.
Union Mosaic Industry PCL Debt-to-EBITDA Related Terms
Union Mosaic Industry 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:UMI-R vs TT, JCI, CARR: Debt-to-EBITDA Comparison
For the Building Products & Equipment subindustry, Union Mosaic Industry 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.
Union Mosaic Industry PCL Debt-to-EBITDA vs Construction Industry
For the Construction industry and Industrials sector, Union Mosaic Industry PCL's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Union Mosaic Industry 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.
Union Mosaic Industry PCL (BKK:UMI-R) has a Debt-to-EBITDA of 1.33 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 Union Mosaic Industry PCL. This is 67% below median its historical median of 4.08. Over the past decade, Union Mosaic Industry PCL's Debt-to-EBITDA has ranged from 0.47 to 7.39. According to the industry distribution chart, Union Mosaic Industry PCL ranks #275 out of 1408 companies in the Construction industry, placing it in the top 19.5%.
Is Union Mosaic Industry PCL's Debt-to-EBITDA too high?
Union Mosaic Industry PCL's current Debt-to-EBITDA of 1.33 is 67% below median its 10-year median of 4.08. Over the past 10 years, this metric has ranged from a low of 0.47 to a high of 7.39. The Construction industry median Debt-to-EBITDA is 2.10. Union Mosaic Industry PCL's value of 1.33 is 36.7% below this industry median. Based on the distribution chart, Union Mosaic Industry PCL ranks #275 out of 1408 companies in the Construction industry, which is in the top quartile — a strong position relative to peers. Overall, Union Mosaic Industry PCL has a GF Score™ of 40/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Union Mosaic Industry PCL's Debt-to-EBITDA compare to TT and JCI?
According to the Construction industry distribution chart, Union Mosaic Industry PCL ranks #275 out of 1408 companies for Debt-to-EBITDA. This places Union Mosaic Industry PCL in the top 20% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 2.10. Union Mosaic Industry PCL's value of 1.33 is 36.7% below this benchmark. Historically, Union Mosaic Industry PCL's own Debt-to-EBITDA has ranged from 0.47 to 7.39 over the past decade. While the company's 10-year median is 4.08 vs. the industry median of 2.10, Union Mosaic Industry 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 Construction company?
The median Debt-to-EBITDA among Construction companies is 2.10, based on 1,408 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. Union Mosaic Industry PCL's current Debt-to-EBITDA of 1.33 is 36.7% 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 Union Mosaic Industry PCL. For the Construction industry, the median Debt-to-EBITDA is 2.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Union Mosaic Industry PCL's current Debt-to-EBITDA is 1.33, which is 67% below median its own 10-year median of 4.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Union Mosaic Industry PCL stock overvalued right now?
Based on GuruFocus' analysis, Union Mosaic Industry PCL (BKK:UMI-R) is currently considered Significantly Overvalued. The stock's GF Value™ is ฿0.55, compared to a current price of ฿0.89 — trading 61.8% above its estimated fair value. The current Debt-to-EBITDA is 1.33, which is 67% below median its 10-year median of 4.08 and 36.7% below the Construction industry median of 2.10. Union Mosaic Industry PCL's overall GF Score™ is 40/100 with 6 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 Union Mosaic Industry PCL (BKK:UMI-R), the current Debt-to-EBITDA is 1.33 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 Union Mosaic Industry PCL (BKK:UMI-R) Overvalued in 2026?
Based on GuruFocus' analysis, Union Mosaic Industry PCL stock appears to be overvalued.
The current stock price of ฿0.89 is trading 61.8% above its estimated GF Value™ of ฿0.55.
GuruFocus considers Union Mosaic Industry PCL to be Significantly Overvalued.
Key valuation signals for BKK:UMI-R:
Debt-to-EBITDA: 1.33 (67% below median its 10-year median of 4.08)
GF Value™: ฿0.55 vs. price of ฿0.89 (61.8% above fair value)
Industry Position: 36.7% below the Construction median (#275 of 1408)
No single metric tells the full story. See the BKK:UMI-R stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Union Mosaic Industry PCL is a Thailand-based company engaged in the production and distribution of ceramic floor and wall tiles. The group operates through two principal segments: Local floor and wall tiles, which focuses on the manufacture and sale of tiles within the domestic market in Thailand, and Export floor and wall tiles, which involves the sale and distribution of tiles to international markets.
40GF Score
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Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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