PSG Financial ServicesNAM:KFS 81 Debt-to-EBITDA is 0.11 as of Feb. 2026, which is at its 10-year median of 0.11. GuruFocus rates NAM:KFS with a GF Score™ of 81/100 and a GF Value™ of R21.47 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 388 Asset Management companies, PSG Financial Services ranks better than 80.93% 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 PSG Financial Services'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: 0.04 Med: 0.11 Max: 0.26
Current: 0.12
During the past 13 years, the highest Debt-to-EBITDA Ratio of PSG Financial Services was 0.26. The lowest was 0.04. And the median was 0.11.
NAM:KFS's Debt-to-EBITDA is ranked better than 80.93% of 388
companies
in the Asset Management industry
Industry Median: 1.395
vs NAM:KFS: 0.12
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 Debt-to-EBITDA Related Terms
PSG Financial Services Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for PSG Financial Services'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.
NAM:KFS vs BLK, BX, KKR: Debt-to-EBITDA Comparison
For the Asset Management subindustry, PSG Financial Services'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 Debt-to-EBITDA vs Asset Management Industry
For the Asset Management industry and Financial Services sector, PSG Financial Services's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where PSG Financial Services'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 (Feb. 2026) EBITDA data.
PSG Financial Services (NAM:KFS) has a Debt-to-EBITDA of 0.11 as of Feb. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on PSG Financial Services. This is near median its historical median of 0.11. Over the past decade, PSG Financial Services' Debt-to-EBITDA has ranged from 0.04 to 0.26. According to the industry distribution chart, PSG Financial Services ranks #74 out of 388 companies in the Asset Management industry, placing it in the top 19.1%.
Is PSG Financial Services' Debt-to-EBITDA too high?
PSG Financial Services' current Debt-to-EBITDA of 0.11 is near median its 10-year median of 0.11. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 0.26. The Asset Management industry median Debt-to-EBITDA is 1.40. PSG Financial Services' value of 0.11 is 92.1% below this industry median. Based on the distribution chart, PSG Financial Services ranks #74 out of 388 companies in the Asset Management industry, which is in the top quartile — a strong position relative to peers. Overall, PSG Financial Services has a GF Score™ of 81/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PSG Financial Services' Debt-to-EBITDA compare to BLK and BX?
According to the Asset Management industry distribution chart, PSG Financial Services ranks #74 out of 388 companies for Debt-to-EBITDA. This places PSG Financial Services in the top 19% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 1.40. PSG Financial Services' value of 0.11 is 92.1% below this benchmark. Historically, PSG Financial Services' own Debt-to-EBITDA has ranged from 0.04 to 0.26 over the past decade. While the company's 10-year median is 0.11 vs. the industry median of 1.40, PSG Financial Services 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 an Asset Management company?
The median Debt-to-EBITDA among Asset Management companies is 1.40, based on 388 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. PSG Financial Services's current Debt-to-EBITDA of 0.11 is 92.1% 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 PSG Financial Services. For the Asset Management industry, the median Debt-to-EBITDA is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PSG Financial Services's current Debt-to-EBITDA is 0.11, which is near median its own 10-year median of 0.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PSG Financial Services stock overvalued right now?
Based on GuruFocus' analysis, PSG Financial Services (NAM:KFS) is currently considered Significantly Overvalued. The stock's GF Value™ is R21.47, compared to a current price of R33.78 — trading 57.3% above its estimated fair value. The current Debt-to-EBITDA is 0.11, which is near median its 10-year median of 0.11 and 92.1% below the Asset Management industry median of 1.40. PSG Financial Services' overall GF Score™ is 81/100 with 7 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 PSG Financial Services (NAM:KFS), the current Debt-to-EBITDA is 0.11 as of Feb. 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 PSG Financial Services (NAM:KFS) Overvalued in 2026?
Based on GuruFocus' analysis, PSG Financial Services stock appears to be overvalued.
The current stock price of R33.78 is trading 57.3% above its estimated GF Value™ of R21.47.
GuruFocus considers PSG Financial Services to be Significantly Overvalued.
Key valuation signals for NAM:KFS:
Debt-to-EBITDA: 0.11 (near median its 10-year median of 0.11)
GF Value™: R21.47 vs. price of R33.78 (57.3% above fair value)
Industry Position: 92.1% below the Asset Management median (#74 of 388)
No single metric tells the full story. See the NAM:KFS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PSG Financial Services Ltd is an independent financial services company. 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.
81GF Score
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