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GT Capital HoldingsPHS:GTCAP +1.80%83 Debt-to-EBITDA is 2.04 as of Mar. 2026, which is 38% below its 10-year median of 3.30. GuruFocus rates PHS:GTCAP with a GF Score™ of 83/100 and a GF Value™ of ₱655.69 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,096 Vehicles & Parts companies, GT Capital Holdings ranks better than 53.28% 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 GT Capital Holdings's Debt-to-EBITDA or its related term are showing as below:
PHS:GTCAP'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 2.07 Med: 3.3 Max: 7.5
Current: 2.07
During the past 13 years, the highest Debt-to-EBITDA Ratio of GT Capital Holdings was 7.50. The lowest was 2.07. And the median was 3.30.
PHS:GTCAP's Debt-to-EBITDA is ranked better than 53.28% of 1096
companies
in the Vehicles & Parts industry
Industry Median: 2.255
vs PHS:GTCAP: 2.07
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.
GT Capital Holdings Debt-to-EBITDA Related Terms
GT Capital Holdings Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for GT Capital 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.
PHS:GTCAP vs TSLA, GM, F: Debt-to-EBITDA Comparison
For the Auto Manufacturers subindustry, GT Capital 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.
GT Capital Holdings Debt-to-EBITDA vs Vehicles & Parts Industry
For the Vehicles & Parts industry and Consumer Cyclical sector, GT Capital Holdings's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where GT Capital 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.
GT Capital Holdings (PHS:GTCAP) has a Debt-to-EBITDA of 2.04 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 GT Capital Holdings. This is 38% below median its historical median of 3.30. Over the past decade, GT Capital Holdings' Debt-to-EBITDA has ranged from 2.07 to 7.50. According to the industry distribution chart, GT Capital Holdings ranks #512 out of 1096 companies in the Vehicles & Parts industry, placing it in the top 46.7%.
Is GT Capital Holdings' Debt-to-EBITDA too high?
GT Capital Holdings' current Debt-to-EBITDA of 2.04 is 38% below median its 10-year median of 3.30. Over the past 10 years, this metric has ranged from a low of 2.07 to a high of 7.50. The Vehicles & Parts industry median Debt-to-EBITDA is 2.26. GT Capital Holdings' value of 2.04 is 9.5% below this industry median. Based on the distribution chart, GT Capital Holdings ranks #512 out of 1096 companies in the Vehicles & Parts industry, which is above the industry midpoint. Overall, GT Capital Holdings has a GF Score™ of 83/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does GT Capital Holdings' Debt-to-EBITDA compare to TSLA and GM?
According to the Vehicles & Parts industry distribution chart, GT Capital Holdings ranks #512 out of 1096 companies for Debt-to-EBITDA. This puts GT Capital Holdings in the upper half of its industry. The industry median Debt-to-EBITDA is 2.26. GT Capital Holdings' value of 2.04 is 9.5% below this benchmark. Historically, GT Capital Holdings' own Debt-to-EBITDA has ranged from 2.07 to 7.50 over the past decade. While the company's 10-year median is 3.30 vs. the industry median of 2.26, GT Capital Holdings 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 a Vehicles & Parts company?
The median Debt-to-EBITDA among Vehicles & Parts companies is 2.26, based on 1,096 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. GT Capital Holdings's current Debt-to-EBITDA of 2.04 is 9.5% 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 GT Capital Holdings. For the Vehicles & Parts industry, the median Debt-to-EBITDA is 2.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. GT Capital Holdings's current Debt-to-EBITDA is 2.04, which is 38% below median its own 10-year median of 3.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is GT Capital Holdings stock overvalued right now?
Based on GuruFocus' analysis, GT Capital Holdings (PHS:GTCAP) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱655.69, compared to a current price of ₱497.00 — trading 24.2% below its estimated fair value. The current Debt-to-EBITDA is 2.04, which is 38% below median its 10-year median of 3.30 and 9.5% below the Vehicles & Parts industry median of 2.26. GT Capital Holdings' overall GF Score™ is 83/100 with 3 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 GT Capital Holdings (PHS:GTCAP), the current Debt-to-EBITDA is 2.04 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 GT Capital Holdings (PHS:GTCAP) Overvalued in 2026?
Based on GuruFocus' analysis, GT Capital Holdings stock appears to be undervalued.
The current stock price of ₱497.00 is trading 24.2% below its estimated GF Value™ of ₱655.69.
GuruFocus considers GT Capital Holdings to be Modestly Undervalued.
Key valuation signals for PHS:GTCAP:
Debt-to-EBITDA: 2.04 (38% below median its 10-year median of 3.30)
GF Value™: ₱655.69 vs. price of ₱497.00 (24.2% below fair value)
Industry Position: 9.5% below the Vehicles & Parts median (#512 of 1096)
No single metric tells the full story. See the PHS:GTCAP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
GT Capital Holdings Inc is a conglomerate owning interests in the banking, auto assembly and dealerships, property development, insurance, infrastructure, and healthcare sectors. The company's reportable segments include Real Estate, Financial Institutions, Automotive Operations, Infrastructure, and Others. The automotive operations segment, which generates key revenue for the company, is engaged in the assembly, manufacturing, importation, sale, and distribution of automobiles, including automobile parts, accessories, and instruments. The company and its holdings operate predominantly in the Philippines.
83GF Score
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