First Abacus Financial HoldingsPHS:FAF 18 Debt-to-EBITDA is 119.15 as of Mar. 2026, which is 535% above its 10-year median of 18.76. GuruFocus rates PHS:FAF with a GF Score™ of 18/100 and a GF Value™ of ₱0.65 (Fairly Valued). The stock has 5 warning signs investors should review. Among 421 Capital Markets companies, First Abacus Financial Holdings ranks worse than 237529.45% 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 First Abacus Financial Holdings's Debt-to-EBITDA or its related term are showing as below:
PHS:FAF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -66.72 Med: 18.76 Max: 140.74
Current: -28.13
During the past 13 years, the highest Debt-to-EBITDA Ratio of First Abacus Financial Holdings was 140.74. The lowest was -66.72. And the median was 18.76.
PHS:FAF's Debt-to-EBITDA is ranked worse than 100% of 421
companies
in the Capital Markets industry
Industry Median: 1.69
vs PHS:FAF: -28.13
First Abacus Financial Holdings (PHS:FAF) 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.
First Abacus Financial Holdings Debt-to-EBITDA Related Terms
First Abacus Financial 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.
First Abacus Financial Holdings Debt-to-EBITDA Chart
PHS:FAF vs MS, GS, SCHW: Debt-to-EBITDA Comparison
For the Capital Markets subindustry, First Abacus Financial 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.
First Abacus Financial Holdings Debt-to-EBITDA vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, First Abacus Financial Holdings's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where First Abacus Financial 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 four times the quarterly (Mar. 2026) EBITDA data.
First Abacus Financial Holdings (PHS:FAF) has a Debt-to-EBITDA of 119.15 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on First Abacus Financial Holdings. This is 535% above median its historical median of 18.76. According to the industry distribution chart, First Abacus Financial Holdings ranks #999999 out of 421 companies in the Capital Markets industry.
Is First Abacus Financial Holdings' Debt-to-EBITDA too high?
First Abacus Financial Holdings' current Debt-to-EBITDA of 119.15 is 535% above median its 10-year median of 18.76. The Capital Markets industry median Debt-to-EBITDA is 1.69. First Abacus Financial Holdings' value of 119.15 is 6950.3% above this industry median. Based on the distribution chart, First Abacus Financial Holdings ranks #999999 out of 421 companies in the Capital Markets industry, which is in the bottom quartile relative to peers. Overall, First Abacus Financial Holdings has a GF Score™ of 18/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does First Abacus Financial Holdings' Debt-to-EBITDA compare to MS and GS?
According to the Capital Markets industry distribution chart, First Abacus Financial Holdings ranks #999999 out of 421 companies for Debt-to-EBITDA. This places First Abacus Financial Holdings in the lower half of its industry. The industry median Debt-to-EBITDA is 1.69. First Abacus Financial Holdings' value of 119.15 is 6950.3% above this benchmark. While the company's 10-year median is 18.76 vs. the industry median of 1.69, First Abacus Financial 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 Capital Markets company?
The median Debt-to-EBITDA among Capital Markets companies is 1.69, based on 421 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. First Abacus Financial Holdings's current Debt-to-EBITDA of 119.15 is 6950.3% 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 First Abacus Financial Holdings. For the Capital Markets industry, the median Debt-to-EBITDA is 1.69 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Abacus Financial Holdings's current Debt-to-EBITDA is 119.15, which is 535% above median its own 10-year median of 18.76. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Abacus Financial Holdings stock overvalued right now?
Based on GuruFocus' analysis, First Abacus Financial Holdings (PHS:FAF) is currently considered Fairly Valued. The stock's GF Value™ is ₱0.65, compared to a current price of ₱0.66 — trading 1.5% above its estimated fair value. The current Debt-to-EBITDA is 119.15, which is 535% above median its 10-year median of 18.76 and 6950.3% above the Capital Markets industry median of 1.69. First Abacus Financial Holdings' overall GF Score™ is 18/100 with 5 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 First Abacus Financial Holdings (PHS:FAF), the current Debt-to-EBITDA is 119.15 as of Mar. 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 First Abacus Financial Holdings (PHS:FAF) Overvalued in 2026?
Based on GuruFocus' analysis, First Abacus Financial Holdings stock appears to be overvalued.
The current stock price of ₱0.66 is trading 1.5% above its estimated GF Value™ of ₱0.65.
GuruFocus considers First Abacus Financial Holdings to be Fairly Valued.
Key valuation signals for PHS:FAF:
Debt-to-EBITDA: 119.15 (535% above median its 10-year median of 18.76)
GF Value™: ₱0.65 vs. price of ₱0.66 (1.5% above fair value)
Industry Position: 6950.3% above the Capital Markets median (#999999 of 421)
No single metric tells the full story. See the PHS:FAF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First Abacus Financial Holdings Business Description
First Abacus Financial Holdings Corp is involved in providing management advisory services as well as purchasing, selling and assigning accounts receivable, negotiable instruments and other evidences of indebtedness for the payment of money owed by any entity. The company has three segments Securities brokerage handles buying and selling of shares of stock, bonds and other securities; Investment house provides services which include underwriting of financial instruments and management fees from financial and management advisory services; Leasing and others includes leasing of condominium units and other segment activities, none of which constitute a separately reportable segment. It generates majority of revenue from Securities brokerage.
18GF Score
Get the complete analysis for PHS:FAF
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
PHS:FAF has been successfully added to your 
