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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 CASH Financial Services Group's Debt-to-EBITDA or its related term are showing as below:
CFLSF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -7.04 Med: -3.94 Max: -0.79
Current: -2.14
During the past 13 years, the highest Debt-to-EBITDA Ratio of CASH Financial Services Group was -0.79. The lowest was -7.04. And the median was -3.94.
CFLSF's Debt-to-EBITDA is ranked worse than 100% of 422
companies
in the Capital Markets industry
Industry Median: 1.645
vs CFLSF: -2.14
CASH Financial Services Group (OTCPK:CFLSF) 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.
CASH Financial Services Group Debt-to-EBITDA Related Terms
CASH Financial Services Group 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.
CASH Financial Services Group Debt-to-EBITDA Chart
For the Capital Markets subindustry, CASH Financial Services Group'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.
CASH Financial Services Group Debt-to-EBITDA vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, CASH Financial Services Group's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where CASH Financial Services Group'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 two times the quarterly (Dec. 2025) EBITDA data.
CASH Financial Services Group (CFLSF) has a Debt-to-EBITDA of -2.00 as of Dec. 2025. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on CASH Financial Services Group. According to the industry distribution chart, CASH Financial Services Group ranks #999999 out of 422 companies in the Capital Markets industry.
Is CASH Financial Services Group's Debt-to-EBITDA too high?
CASH Financial Services Group's current Debt-to-EBITDA is -2.00. Based on the distribution chart, CASH Financial Services Group ranks #999999 out of 422 companies in the Capital Markets industry, which is in the bottom quartile relative to peers. Overall, CASH Financial Services Group has a GF Score™ of 32/100, reflecting its overall financial health beyond just this single metric.
How does CASH Financial Services Group's Debt-to-EBITDA compare to MS and GS?
According to the Capital Markets industry distribution chart, CASH Financial Services Group ranks #999999 out of 422 companies for Debt-to-EBITDA. This places CASH Financial Services Group in the lower half of its industry. The industry median Debt-to-EBITDA is 1.65. 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 Capital Markets company?
The median Debt-to-EBITDA among Capital Markets companies is 1.65, based on 422 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. 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 CASH Financial Services Group. For the Capital Markets industry, the median Debt-to-EBITDA is 1.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CASH Financial Services Group's current Debt-to-EBITDA is -2.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CASH Financial Services Group stock overvalued right now?
CASH Financial Services Group (CFLSF) has a current Debt-to-EBITDA of -2.00. The stock's GF Value™ is $0.04, compared to a current price of $0.10 — trading 150% above its estimated fair value. The current Debt-to-EBITDA is -2.00. CASH Financial Services Group's overall GF Score™ is 32/100 with 5 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 CASH Financial Services Group (CFLSF), the current Debt-to-EBITDA is -2.00 as of Dec. 2025. 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 CASH Financial Services Group (CFLSF) Overvalued in 2026?
Based on GuruFocus' analysis, CASH Financial Services Group stock appears to be overvalued.
The current stock price of $0.10 is trading 150% above its estimated GF Value™ of $0.04.
Key valuation signals for CFLSF:
Debt-to-EBITDA: -2.00
GF Value™: $0.04 vs. price of $0.10 (150% above fair value)
No single metric tells the full story. See the CFLSF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CASH Financial Services Group Business Description
CASH Financial Services Group Ltd is engaged in the provision of online and traditional brokerage of securities, futures and options as well as general and life insurance, mutual funds and mandatory provident fund products; proprietary trading of equity securities and derivatives; provision of margin financing and money lending services; and provision of investment management services. Its segments include Financial services, and Investment management. It derives revenue from Broking services, Wealth management services, Investment management services, Handling and other services. Geographically, the company derives maximum revenue from Hong Kong, and also has its presence in the PRC.
32GF Score
Get the complete analysis for CFLSF
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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