Summerset Group Holdings (NZSE:SUM) Debt-to-EBITDA : (As of Jun. 2026)

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NZSE:SUM Summerset Group Holdings Ltd NZSE:SUM
66 GF Score
Price NZ$7.60
GF Value NZ$15.93
Valuation Possible Value Trap
! 9 Warning Signs
View Full Analysis

What is Summerset Group Holdings Debt-to-EBITDA?

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

Summerset Group Holdings's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was NZ$0.0 Mil. Summerset Group Holdings's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was NZ$2,080.5 Mil. Summerset Group Holdings's annualized EBITDA for the quarter that ended in Jun. 2026 was NZ$432.3 Mil. Summerset Group Holdings's annualized Debt-to-EBITDA for the quarter that ended in Jun. 2026 was 4.81.

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 Summerset Group Holdings's Debt-to-EBITDA or its related term are showing as below:

NZSE:SUM' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.34   Med: 2.95   Max: 15.22
Current: 15.22

During the past 13 years, the highest Debt-to-EBITDA Ratio of Summerset Group Holdings was 15.22. The lowest was 1.34. And the median was 2.95.

NZSE:SUM's Debt-to-EBITDA is ranked worse than
93.98% of 482 companies
in the Healthcare Providers & Services industry
Industry Median: 2.2 vs NZSE:SUM: 15.22

Summerset Group Holdings  (NZSE:SUM) 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.

Summerset Group Holdings Debt-to-EBITDA Related Terms

Summerset Group Holdings Debt-to-EBITDA Historical Data

* Premium members only.

The historical data trend for Summerset 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.

Summerset Group Holdings Debt-to-EBITDA Chart

Summerset Group Holdings Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-EBITDA
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Summerset Group Holdings Semi-Annual Data
Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25 Jun26
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NZSE:SUM vs HCA, THC, EHC: Debt-to-EBITDA Comparison

For the Medical Care Facilities subindustry, Summerset 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.

Summerset Group Holdings Debt-to-EBITDA vs Healthcare Providers & Services Industry

For the Healthcare Providers & Services industry and Healthcare sector, Summerset Group Holdings's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where Summerset Group Holdings's Debt-to-EBITDA falls into.


NZSE:SUM
66GF Score
Summerset Group Holdings Ltd NZSE:SUM
Debt-to-EBITDA is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Summerset Group Holdings Debt-to-EBITDA Calculation

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

Summerset Group Holdings's Debt-to-EBITDA for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(88.022 + 1890.086) / 299.467
=6.61

Summerset Group Holdings's annualized Debt-to-EBITDA for the quarter that ended in Jun. 2026 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(0 + 2080.535) / 432.3
=4.81

* 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 (Jun. 2026) EBITDA data.

Is Summerset Group Holdings (NZSE:SUM) Overvalued in 2026?

Based on GuruFocus' analysis, Summerset Group Holdings stock appears to be undervalued. The current stock price of NZ$7.60 is trading 52.3% below its estimated GF Value™ of NZ$15.93. GuruFocus considers Summerset Group Holdings to be Possible Value Trap.

Key valuation signals for NZSE:SUM:

  • Debt-to-EBITDA:
  • GF Value™: NZ$15.93 vs. price of NZ$7.60 (52.3% below fair value)
  • GF Score™: 66/100 with 9 warning signs

No single metric tells the full story. See the NZSE:SUM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Summerset Group Holdings Business Description

Other Exchanges SMGRF:USASNZ:Australia
Address 100 Willis Street, Level 27, Majestic Centre, PO Box 5187, Wellington, NZL, 6011
Summerset Group Holdings Ltd develops, owns, and operates integrated retirement villages. The company receives a majority of its revenue from the New Zealand Ministry of Health, which subsidizes fees for eligible aged-care residents. Its revenue is mainly derived from care fees and village services income. Summerset provides a range of care for its residents, including in-home care and 24-hour medical care centers. In addition to its independent-living villas and apartments, Summerset offers supported-living residences, which include assistance with daily activities like shopping and housekeeping.
66GF Score

Get the complete analysis for NZSE:SUM

Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

NZ$7.60
Price
NZ$15.93
GF Value