Makati FinancePHS:MFIN 49 Debt-to-EBITDA is 59.68 as of Mar. 2026, which is 134% above its 10-year median of 25.54. GuruFocus rates PHS:MFIN with a GF Score™ of 49/100 and a GF Value™ of ₱1.65 (Significantly Overvalued). The stock has 9 warning signs investors should review. Among 281 Credit Services companies, Makati Finance ranks worse than 80.78% 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 Makati Finance's Debt-to-EBITDA or its related term are showing as below:
PHS:MFIN'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -224.93 Med: 25.54 Max: 362.39
Current: 24.36
During the past 13 years, the highest Debt-to-EBITDA Ratio of Makati Finance was 362.39. The lowest was -224.93. And the median was 25.54.
PHS:MFIN's Debt-to-EBITDA is ranked worse than 80.78% of 281
companies
in the Credit Services industry
Industry Median: 9.32
vs PHS:MFIN: 24.36
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.
Makati Finance Debt-to-EBITDA Related Terms
Makati Finance Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Makati Finance'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 Credit Services subindustry, Makati Finance'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.
Makati Finance Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Makati Finance's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Makati Finance'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.
Makati Finance (PHS:MFIN) has a Debt-to-EBITDA of 59.68 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 Makati Finance. This is 134% above median its historical median of 25.54. According to the industry distribution chart, Makati Finance ranks #227 out of 281 companies in the Credit Services industry, placing it in the top 80.8%.
Is Makati Finance's Debt-to-EBITDA too high?
Makati Finance's current Debt-to-EBITDA of 59.68 is 134% above median its 10-year median of 25.54. The Credit Services industry median Debt-to-EBITDA is 9.32. Makati Finance's value of 59.68 is 540.3% above this industry median. Based on the distribution chart, Makati Finance ranks #227 out of 281 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Makati Finance has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Makati Finance's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Makati Finance ranks #227 out of 281 companies for Debt-to-EBITDA. This places Makati Finance in the lower half of its industry. The industry median Debt-to-EBITDA is 9.32. Makati Finance's value of 59.68 is 540.3% above this benchmark. While the company's 10-year median is 25.54 vs. the industry median of 9.32, Makati Finance 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 Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 9.32, based on 281 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. Makati Finance's current Debt-to-EBITDA of 59.68 is 540.3% 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 Makati Finance. For the Credit Services industry, the median Debt-to-EBITDA is 9.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Makati Finance's current Debt-to-EBITDA is 59.68, which is 134% above median its own 10-year median of 25.54. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Makati Finance stock overvalued right now?
Based on GuruFocus' analysis, Makati Finance (PHS:MFIN) is currently considered Significantly Overvalued. The stock's GF Value™ is ₱1.65, compared to a current price of ₱2.36 — trading 43% above its estimated fair value. The current Debt-to-EBITDA is 59.68, which is 134% above median its 10-year median of 25.54 and 540.3% above the Credit Services industry median of 9.32. Makati Finance's overall GF Score™ is 49/100 with 9 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 Makati Finance (PHS:MFIN), the current Debt-to-EBITDA is 59.68 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 Makati Finance (PHS:MFIN) Overvalued in 2026?
Based on GuruFocus' analysis, Makati Finance stock appears to be overvalued.
The current stock price of ₱2.36 is trading 43% above its estimated GF Value™ of ₱1.65.
GuruFocus considers Makati Finance to be Significantly Overvalued.
Key valuation signals for PHS:MFIN:
Debt-to-EBITDA: 59.68 (134% above median its 10-year median of 25.54)
GF Value™: ₱1.65 vs. price of ₱2.36 (43% above fair value)
Industry Position: 540.3% above the Credit Services median (#227 of 281)
No single metric tells the full story. See the PHS:MFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Makati Finance Corp provides financial services and advisory to its clients. It is engaged in stock dealership functions, credit line extensions, and acceptance of private placements. It has expanded its product lines from its traditional Rx Cashline, MFC Factors (receivables financing) Business Loans; Motorcycle Financing to include new financial products lines recently introduced by the company namely: corporate salary loans; personal loans; micro business loans; pension loans; car loans and leisure bikes financing. Its segments include Rx Cashline Group; Business Loans, Motor Vehicles Financing Group, Car Loans, and Other Segments. It derives revenue from Business Loans which grants loans to finance business owners who wish to expand its business or for the purpose of starting capital.
49GF Score
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