DFI Retail Group HoldingsDFILF 55 Debt-to-EBITDA is 1.45 as of Dec. 2025, which is 52% below its 10-year median of 3.04. GuruFocus rates DFILF with a GF Score™ of 55/100 and a GF Value™ of $2.31 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 254 Retail - Defensive companies, DFI Retail Group Holdings ranks better than 56.3% 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 DFI Retail Group Holdings's Debt-to-EBITDA or its related term are showing as below:
DFILF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.23 Med: 3.04 Max: 6.29
Current: 1.82
During the past 13 years, the highest Debt-to-EBITDA Ratio of DFI Retail Group Holdings was 6.29. The lowest was 1.23. And the median was 3.04.
DFILF's Debt-to-EBITDA is ranked better than 56.3% of 254
companies
in the Retail - Defensive industry
Industry Median: 2.18
vs DFILF: 1.82
DFI Retail Group Holdings (OTCPK:DFILF) 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.
DFI Retail Group Holdings Debt-to-EBITDA Related Terms
DFI Retail Group Holdings 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.
For the Grocery Stores subindustry, DFI Retail Group Holdings'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.
DFI Retail Group Holdings Debt-to-EBITDA vs Retail - Defensive Industry
For the Retail - Defensive industry and Consumer Defensive sector, DFI Retail Group Holdings's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where DFI Retail Group Holdings'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.
DFI Retail Group Holdings (DFILF) has a Debt-to-EBITDA of 1.45 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 DFI Retail Group Holdings. This is 52% below median its historical median of 3.04. Over the past decade, DFI Retail Group Holdings' Debt-to-EBITDA has ranged from 1.23 to 6.29. According to the industry distribution chart, DFI Retail Group Holdings ranks #111 out of 254 companies in the Retail - Defensive industry, placing it in the top 43.7%.
Is DFI Retail Group Holdings' Debt-to-EBITDA too high?
DFI Retail Group Holdings' current Debt-to-EBITDA of 1.45 is 52% below median its 10-year median of 3.04. Over the past 10 years, this metric has ranged from a low of 1.23 to a high of 6.29. The Retail - Defensive industry median Debt-to-EBITDA is 2.18. DFI Retail Group Holdings' value of 1.45 is 33.5% below this industry median. Based on the distribution chart, DFI Retail Group Holdings ranks #111 out of 254 companies in the Retail - Defensive industry, which is above the industry midpoint. Overall, DFI Retail Group Holdings has a GF Score™ of 55/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does DFI Retail Group Holdings' Debt-to-EBITDA compare to KR and SFM?
According to the Retail - Defensive industry distribution chart, DFI Retail Group Holdings ranks #111 out of 254 companies for Debt-to-EBITDA. This puts DFI Retail Group Holdings in the upper half of its industry. The industry median Debt-to-EBITDA is 2.18. DFI Retail Group Holdings' value of 1.45 is 33.5% below this benchmark. Historically, DFI Retail Group Holdings' own Debt-to-EBITDA has ranged from 1.23 to 6.29 over the past decade. While the company's 10-year median is 3.04 vs. the industry median of 2.18, DFI Retail Group Holdings 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 Retail - Defensive company?
The median Debt-to-EBITDA among Retail - Defensive companies is 2.18, based on 254 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. DFI Retail Group Holdings's current Debt-to-EBITDA of 1.45 is 33.5% 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 DFI Retail Group Holdings. For the Retail - Defensive industry, the median Debt-to-EBITDA is 2.18 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. DFI Retail Group Holdings's current Debt-to-EBITDA is 1.45, which is 52% below median its own 10-year median of 3.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is DFI Retail Group Holdings stock overvalued right now?
Based on GuruFocus' analysis, DFI Retail Group Holdings (DFILF) is currently considered Significantly Overvalued. The stock's GF Value™ is $2.31, compared to a current price of $3.65 — trading 58% above its estimated fair value. The current Debt-to-EBITDA is 1.45, which is 52% below median its 10-year median of 3.04 and 33.5% below the Retail - Defensive industry median of 2.18. DFI Retail Group Holdings' overall GF Score™ is 55/100 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 DFI Retail Group Holdings (DFILF), the current Debt-to-EBITDA is 1.45 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 DFI Retail Group Holdings (DFILF) Overvalued in 2026?
Based on GuruFocus' analysis, DFI Retail Group Holdings stock appears to be overvalued.
The current stock price of $3.65 is trading 58% above its estimated GF Value™ of $2.31.
GuruFocus considers DFI Retail Group Holdings to be Significantly Overvalued.
Key valuation signals for DFILF:
Debt-to-EBITDA: 1.45 (52% below median its 10-year median of 3.04)
GF Value™: $2.31 vs. price of $3.65 (58% above fair value)
Industry Position: 33.5% below the Retail - Defensive median (#111 of 254)
No single metric tells the full story. See the DFILF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
DFI Retail Group Holdings Ltd is an Asian retailer that operates in five segments: Food, Health and Beauty, Home Furnishings, Convenience, and Other Retailing. Convenience is the Group's 7-Eleven businesses. Food comprises the grocery retail businesses (including Robinsons Retail operating in the Philippines and Yonghui operating on the Chinese mainland up to their respective dates of divestment). Home Furnishings is the Group's IKEA businesses. Restaurants is the Group's associate, Maxim's, a food and beverage company. Other Retailing represents the department stores, specialty and Do-It-Yourself (DIY) stores of Robinsons Retail. The majority of revenue is derived from the Food segment.
55GF Score
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