Pacific Online SystemsPHS:LOTO 58 Debt-to-EBITDA is 0.74 as of Mar. 2026, which is 429% above its 10-year median of 0.14. GuruFocus rates PHS:LOTO with a GF Score™ of 58/100 and a GF Value™ of ₱3.10 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 645 Travel & Leisure companies, Pacific Online Systems ranks better than 75.35% 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 Pacific Online Systems's Debt-to-EBITDA or its related term are showing as below:
PHS:LOTO'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -5.35 Med: 0.14 Max: 1.87
Current: 0.93
During the past 13 years, the highest Debt-to-EBITDA Ratio of Pacific Online Systems was 1.87. The lowest was -5.35. And the median was 0.14.
PHS:LOTO's Debt-to-EBITDA is ranked better than 75.35% of 645
companies
in the Travel & Leisure industry
Industry Median: 2.56
vs PHS:LOTO: 0.93
Pacific Online Systems (PHS:LOTO) 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.
Pacific Online Systems Debt-to-EBITDA Related Terms
Pacific Online Systems Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Pacific Online Systems'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:LOTO vs FLUT, DKNG, SGHC: Debt-to-EBITDA Comparison
For the Gambling subindustry, Pacific Online Systems'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.
Pacific Online Systems Debt-to-EBITDA vs Travel & Leisure Industry
For the Travel & Leisure industry and Consumer Cyclical sector, Pacific Online Systems's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Pacific Online Systems'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.
Pacific Online Systems (PHS:LOTO) has a Debt-to-EBITDA of 0.74 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 Pacific Online Systems. This is 429% above median its historical median of 0.14. According to the industry distribution chart, Pacific Online Systems ranks #159 out of 645 companies in the Travel & Leisure industry, placing it in the top 24.7%.
Is Pacific Online Systems' Debt-to-EBITDA too high?
Pacific Online Systems' current Debt-to-EBITDA of 0.74 is 429% above median its 10-year median of 0.14. The Travel & Leisure industry median Debt-to-EBITDA is 2.56. Pacific Online Systems' value of 0.74 is 71.1% below this industry median. Based on the distribution chart, Pacific Online Systems ranks #159 out of 645 companies in the Travel & Leisure industry, which is in the top quartile — a strong position relative to peers. Overall, Pacific Online Systems has a GF Score™ of 58/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Pacific Online Systems' Debt-to-EBITDA compare to FLUT and DKNG?
According to the Travel & Leisure industry distribution chart, Pacific Online Systems ranks #159 out of 645 companies for Debt-to-EBITDA. This places Pacific Online Systems in the top 25% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 2.56. Pacific Online Systems' value of 0.74 is 71.1% below this benchmark. While the company's 10-year median is 0.14 vs. the industry median of 2.56, Pacific Online Systems 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 Travel & Leisure company?
The median Debt-to-EBITDA among Travel & Leisure companies is 2.56, based on 645 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. Pacific Online Systems's current Debt-to-EBITDA of 0.74 is 71.1% 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 Pacific Online Systems. For the Travel & Leisure industry, the median Debt-to-EBITDA is 2.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pacific Online Systems's current Debt-to-EBITDA is 0.74, which is 429% above median its own 10-year median of 0.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pacific Online Systems stock overvalued right now?
Based on GuruFocus' analysis, Pacific Online Systems (PHS:LOTO) is currently considered Possible Value Trap. The stock's GF Value™ is ₱3.10, compared to a current price of ₱1.84 — trading 40.6% below its estimated fair value. The current Debt-to-EBITDA is 0.74, which is 429% above median its 10-year median of 0.14 and 71.1% below the Travel & Leisure industry median of 2.56. Pacific Online Systems' overall GF Score™ is 58/100 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 Pacific Online Systems (PHS:LOTO), the current Debt-to-EBITDA is 0.74 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 Pacific Online Systems (PHS:LOTO) Overvalued in 2026?
Based on GuruFocus' analysis, Pacific Online Systems stock appears to be undervalued.
The current stock price of ₱1.84 is trading 40.6% below its estimated GF Value™ of ₱3.10.
GuruFocus considers Pacific Online Systems to be Possible Value Trap.
Key valuation signals for PHS:LOTO:
Debt-to-EBITDA: 0.74 (429% above median its 10-year median of 0.14)
GF Value™: ₱3.10 vs. price of ₱1.84 (40.6% below fair value)
Industry Position: 71.1% below the Travel & Leisure median (#159 of 645)
No single metric tells the full story. See the PHS:LOTO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Pacific Online Systems Corp is a Philippines-based company operating in the gaming industry. Along with its subsidiaries, the firm is engaged in the development, design, and management of online computer systems, terminals, and software for the gaming industry. It provides leasing of gaming equipment, Keno terminals, an online operating system, and the sale of lottery, sweepstakes, and instant tickets. It also offers consultancy services related to online gaming.
58GF Score
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