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House of InvestmentsPHS:HI -4.71%72 Debt-to-EBITDA is 1.73 as of Mar. 2026, which is 49% below its 10-year median of 3.42. GuruFocus rates PHS:HI with a GF Score™ of 72/100 and a GF Value™ of ₱5.77 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 460 Conglomerates companies, House of Investments ranks better than 60.22% 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 House of Investments's Debt-to-EBITDA or its related term are showing as below:
PHS:HI'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -18.63 Med: 3.42 Max: 6.7
Current: 2.06
During the past 13 years, the highest Debt-to-EBITDA Ratio of House of Investments was 6.70. The lowest was -18.63. And the median was 3.42.
PHS:HI's Debt-to-EBITDA is ranked better than 60.22% of 460
companies
in the Conglomerates industry
Industry Median: 2.705
vs PHS:HI: 2.06
House of Investments (PHS:HI) 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.
House of Investments Debt-to-EBITDA Related Terms
House of Investments Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for House of Investments'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.
For the Conglomerates subindustry, House of Investments'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.
House of Investments Debt-to-EBITDA vs Conglomerates Industry
For the Conglomerates industry and Industrials sector, House of Investments's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where House of Investments'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.
House of Investments (PHS:HI) has a Debt-to-EBITDA of 1.73 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 House of Investments. This is 49% below median its historical median of 3.42. According to the industry distribution chart, House of Investments ranks #183 out of 460 companies in the Conglomerates industry, placing it in the top 39.8%.
Is House of Investments' Debt-to-EBITDA too high?
House of Investments' current Debt-to-EBITDA of 1.73 is 49% below median its 10-year median of 3.42. The Conglomerates industry median Debt-to-EBITDA is 2.71. House of Investments' value of 1.73 is 36% below this industry median. Based on the distribution chart, House of Investments ranks #183 out of 460 companies in the Conglomerates industry, which is above the industry midpoint. Overall, House of Investments has a GF Score™ of 72/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does House of Investments' Debt-to-EBITDA compare to HON and MMM?
According to the Conglomerates industry distribution chart, House of Investments ranks #183 out of 460 companies for Debt-to-EBITDA. This puts House of Investments in the upper half of its industry. The industry median Debt-to-EBITDA is 2.71. House of Investments' value of 1.73 is 36% below this benchmark. While the company's 10-year median is 3.42 vs. the industry median of 2.71, House of Investments 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 Conglomerates company?
The median Debt-to-EBITDA among Conglomerates companies is 2.71, based on 460 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. House of Investments's current Debt-to-EBITDA of 1.73 is 36% 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 House of Investments. For the Conglomerates industry, the median Debt-to-EBITDA is 2.71 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. House of Investments's current Debt-to-EBITDA is 1.73, which is 49% below median its own 10-year median of 3.42. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is House of Investments stock overvalued right now?
Based on GuruFocus' analysis, House of Investments (PHS:HI) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱5.77, compared to a current price of ₱4.65 — trading 19.4% below its estimated fair value. The current Debt-to-EBITDA is 1.73, which is 49% below median its 10-year median of 3.42 and 36% below the Conglomerates industry median of 2.71. House of Investments' overall GF Score™ is 72/100 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 House of Investments (PHS:HI), the current Debt-to-EBITDA is 1.73 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 House of Investments (PHS:HI) Overvalued in 2026?
Based on GuruFocus' analysis, House of Investments stock appears to be undervalued.
The current stock price of ₱4.65 is trading 19.4% below its estimated GF Value™ of ₱5.77.
GuruFocus considers House of Investments to be Modestly Undervalued.
Key valuation signals for PHS:HI:
Debt-to-EBITDA: 1.73 (49% below median its 10-year median of 3.42)
GF Value™: ₱5.77 vs. price of ₱4.65 (19.4% below fair value)
Industry Position: 36% below the Conglomerates median (#183 of 460)
No single metric tells the full story. See the PHS:HI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
House of Investments Inc is an investment holding and management company. The investments of the company are organized into four segments: Financial Services consists of non-life and life insurance arm of the Group and trust and asset management, Property and Property Services represents property and project management services of the Group, Education consists of revenues from IPO and subsidiaries in education and other related support services, and Automotive represents automotive dealerships of the Group, and other services segment consists of other support services. The company's portfolio investments are in Energy, Healthcare, Deathcare and Construction.
72GF Score
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Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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