PSG Financial Services Limited (NAM:KFS) Debt-to-EBITDA : 0.11 (As of Aug. 2024)

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What is PSG Financial Services Limited Debt-to-EBITDA?

Debt-to-EBITDA measures a company's ability to pay off its debt.

PSG Financial Services Limited's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Aug. 2024 was R0 Mil. PSG Financial Services Limited's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Aug. 2024 was R229 Mil. PSG Financial Services Limited's annualized EBITDA for the quarter that ended in Aug. 2024 was R2,016 Mil. PSG Financial Services Limited's annualized Debt-to-EBITDA for the quarter that ended in Aug. 2024 was 0.11.

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 PSG Financial Services Limited's Debt-to-EBITDA or its related term are showing as below:

NAM:KFS' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.12 Med: 37.25 Max: 58.29
Current: 0.12

During the past 13 years, the highest Debt-to-EBITDA Ratio of PSG Financial Services Limited was 58.29. The lowest was 0.12. And the median was 37.25.

NAM:KFS's Debt-to-EBITDA is ranked better than
82.67% of 352 companies
in the Asset Management industry
Industry Median: 1.41 vs NAM:KFS: 0.12

PSG Financial Services Limited Debt-to-EBITDA Historical Data

The historical data trend for PSG Financial Services Limited'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.

* Premium members only.

PSG Financial Services Limited Debt-to-EBITDA Chart

PSG Financial Services Limited Annual Data

Trend

Feb15

Feb16

Feb17

Feb18

Feb19

Feb20

Feb21

Feb22

Feb23

Feb24

Debt-to-EBITDA

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48.46

52.97

44.38

48.67

58.29

PSG Financial Services Limited Semi-Annual Data
	Feb15	Aug15	Feb16	Aug16	Feb17	Aug17	Feb18	Aug18	Feb19	Aug19	Feb20	Aug20	Feb21	Aug21	Feb22	Aug22	Feb23	Aug23	Feb24	Aug24
Debt-to-EBITDA	Get a 7-Day Free Trial															0.17	42.64	0.13	54.57	0.11

Competitive Comparison of PSG Financial Services Limited's Debt-to-EBITDA

For the Asset Management subindustry, PSG Financial Services Limited'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.

PSG Financial Services Limited's Debt-to-EBITDA Distribution in the Asset Management Industry

For the Asset Management industry and Financial Services sector, PSG Financial Services Limited's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where PSG Financial Services Limited's Debt-to-EBITDA falls into.

PSG Financial Services Limited Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

PSG Financial Services Limited's Debt-to-EBITDA for the fiscal year that ended in Feb. 2024 is calculated as

Debt-to-EBITDA	=	Total Debt			/	EBITDA
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	EBITDA
	=	(105251.051	+	126.978)	/	1807.704
	=	58.29

PSG Financial Services Limited's annualized Debt-to-EBITDA for the quarter that ended in Aug. 2024 is calculated as

Debt-to-EBITDA	=	Total Debt			/	EBITDA
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	EBITDA
	=	(0	+	228.513)	/	2016.116
	=	0.11

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 (Aug. 2024) EBITDA data.

PSG Financial Services Limited (NAM:KFS) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.

Be Aware

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.

PSG Financial Services Limited Debt-to-EBITDA Related Terms

Thank you for viewing the detailed overview of PSG Financial Services Limited's Debt-to-EBITDA provided by GuruFocus.com. Please click on the following links to see related term pages.

PSG Financial Services Limited Business Description

Industry

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Comparable Companies

Traded in Other Exchanges

KST:South Africa

Address

3 Howick Close, 4th Floor, The Edge, Tyger Waterfront, Tyger Valley, Bellville, WC, ZAF, 7530

Website

https://www.psg.co.za

PSG Financial Services Limited is an independent financial services group. Business is executed through three operating divisions: PSG Wealth, PSG Asset Management, and PSG Insure. PSG Wealth provides the group with nearly half of its income, with PSG Insure outweighing PSG Asset Management. Through the Wealth unit, PSG delivers a comprehensive suite of products to individuals, families, and businesses. Some of the PSG Wealth offerings include investment products, stockbroking, estate and trust services, and many other related products. PSG is structured into three segments which are PSG Wealth, generating income from managed and platform assets; PSG Asset Management, deriving income from assets under management; PSG Insure, earning income from premiums and underwriting.