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.
XXF Group HoldingsHKSE:02473 +4.40%39 Debt-to-EBITDA is 12.13 as of Dec. 2025, which is 140% above its 10-year median of 5.06. GuruFocus rates HKSE:02473 with a GF Score™ of 39/100. The stock has 9 warning signs investors should review. Among 286 Credit Services companies, XXF Group Holdings ranks worse than 63.29% 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 XXF Group Holdings's Debt-to-EBITDA or its related term are showing as below:
HKSE:02473'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 4.49 Med: 5.06 Max: 12.31
Current: 12.31
During the past 6 years, the highest Debt-to-EBITDA Ratio of XXF Group Holdings was 12.31. The lowest was 4.49. And the median was 5.06.
HKSE:02473's Debt-to-EBITDA is ranked worse than 63.29% of 286
companies
in the Credit Services industry
Industry Median: 8.37
vs HKSE:02473: 12.31
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.
XXF Group Holdings Debt-to-EBITDA Related Terms
XXF Group Holdings Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for XXF Group Holdings'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.
HKSE:02473 vs V, MA, AXP: Debt-to-EBITDA Comparison
For the Credit Services subindustry, XXF 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.
XXF Group Holdings Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, XXF Group Holdings's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where XXF 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.
XXF Group Holdings (HKSE:02473) has a Debt-to-EBITDA of 12.13 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 XXF Group Holdings. This is 140% above median its historical median of 5.06. Over the past decade, XXF Group Holdings' Debt-to-EBITDA has ranged from 4.49 to 12.31. According to the industry distribution chart, XXF Group Holdings ranks #181 out of 286 companies in the Credit Services industry, placing it in the top 63.3%.
Is XXF Group Holdings' Debt-to-EBITDA too high?
XXF Group Holdings' current Debt-to-EBITDA of 12.13 is 140% above median its 10-year median of 5.06. Over the past 10 years, this metric has ranged from a low of 4.49 to a high of 12.31. The Credit Services industry median Debt-to-EBITDA is 8.37. XXF Group Holdings' value of 12.13 is 44.9% above this industry median. Based on the distribution chart, XXF Group Holdings ranks #181 out of 286 companies in the Credit Services industry, which is below the industry midpoint. Overall, XXF Group Holdings has a GF Score™ of 39/100, reflecting its overall financial health beyond just this single metric.
How does XXF Group Holdings' Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, XXF Group Holdings ranks #181 out of 286 companies for Debt-to-EBITDA. This places XXF Group Holdings in the lower half of its industry. The industry median Debt-to-EBITDA is 8.37. XXF Group Holdings' value of 12.13 is 44.9% above this benchmark. Historically, XXF Group Holdings' own Debt-to-EBITDA has ranged from 4.49 to 12.31 over the past decade. While the company's 10-year median is 5.06 vs. the industry median of 8.37, XXF Group Holdings has consistently been above 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 8.37, based on 286 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. XXF Group Holdings's current Debt-to-EBITDA of 12.13 is 44.9% above 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 XXF Group Holdings. For the Credit Services industry, the median Debt-to-EBITDA is 8.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. XXF Group Holdings's current Debt-to-EBITDA is 12.13, which is 140% above median its own 10-year median of 5.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is XXF Group Holdings stock overvalued right now?
XXF Group Holdings (HKSE:02473) has a current Debt-to-EBITDA of 12.13. The current Debt-to-EBITDA is 12.13, which is 140% above median its 10-year median of 5.06 and 44.9% above the Credit Services industry median of 8.37. XXF Group Holdings' overall GF Score™ is 39/100 with 9 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 XXF Group Holdings (HKSE:02473), the current Debt-to-EBITDA is 12.13 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.
XXF Group Holdings Ltd is an established automobile retailer providing automobile finance lease service through its self-operated sales outlets in the PRC. The Group's principal businesses comprise automobile retail and finance, where it sells non-luxury automobiles mostly on direct finance lease; and automobile-related businesses, where it principally offers automobile operating lease service and other automobile-related services, and (iii) an outright car sales business, where it sells cars on a one-off basis. The Group's revenue is mainly derived from customers in the PRC.
39GF Score
Get the complete analysis for HKSE:02473
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
HKSE:02473 has been successfully added to your 
