SSI GroupPHS:SSI -1.78%85 Debt-to-EBITDA is 1.22 as of Mar. 2026, which is 46% below its 10-year median of 2.25. GuruFocus rates PHS:SSI with a GF Score™ of 85/100 and a GF Value™ of ₱3.49 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 896 Retail - Cyclical companies, SSI Group ranks better than 77.57% 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 SSI Group's Debt-to-EBITDA or its related term are showing as below:
PHS:SSI'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.5 Med: 2.25 Max: 14.25
Current: 0.97
During the past 13 years, the highest Debt-to-EBITDA Ratio of SSI Group was 14.25. The lowest was 0.50. And the median was 2.25.
PHS:SSI's Debt-to-EBITDA is ranked better than 77.57% of 896
companies
in the Retail - Cyclical industry
Industry Median: 2.39
vs PHS:SSI: 0.97
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.
SSI Group Debt-to-EBITDA Related Terms
SSI Group Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for SSI Group'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:SSI vs TJX, ROST, BURL: Debt-to-EBITDA Comparison
For the Apparel Retail subindustry, SSI Group'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.
SSI Group Debt-to-EBITDA vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, SSI Group's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where SSI Group'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.
SSI Group (PHS:SSI) has a Debt-to-EBITDA of 1.22 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 SSI Group. This is 46% below median its historical median of 2.25. Over the past decade, SSI Group's Debt-to-EBITDA has ranged from 0.50 to 14.25. According to the industry distribution chart, SSI Group ranks #201 out of 896 companies in the Retail - Cyclical industry, placing it in the top 22.4%.
Is SSI Group's Debt-to-EBITDA too high?
SSI Group's current Debt-to-EBITDA of 1.22 is 46% below median its 10-year median of 2.25. Over the past 10 years, this metric has ranged from a low of 0.50 to a high of 14.25. The Retail - Cyclical industry median Debt-to-EBITDA is 2.39. SSI Group's value of 1.22 is 49% below this industry median. Based on the distribution chart, SSI Group ranks #201 out of 896 companies in the Retail - Cyclical industry, which is in the top quartile — a strong position relative to peers. Overall, SSI Group has a GF Score™ of 85/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does SSI Group's Debt-to-EBITDA compare to TJX and ROST?
According to the Retail - Cyclical industry distribution chart, SSI Group ranks #201 out of 896 companies for Debt-to-EBITDA. This places SSI Group in the top 22% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 2.39. SSI Group's value of 1.22 is 49% below this benchmark. Historically, SSI Group's own Debt-to-EBITDA has ranged from 0.50 to 14.25 over the past decade. While the company's 10-year median is 2.25 vs. the industry median of 2.39, SSI Group 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 Retail - Cyclical company?
The median Debt-to-EBITDA among Retail - Cyclical companies is 2.39, based on 896 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. SSI Group's current Debt-to-EBITDA of 1.22 is 49% 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 SSI Group. For the Retail - Cyclical industry, the median Debt-to-EBITDA is 2.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SSI Group's current Debt-to-EBITDA is 1.22, which is 46% below median its own 10-year median of 2.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SSI Group stock overvalued right now?
Based on GuruFocus' analysis, SSI Group (PHS:SSI) is currently considered Significantly Undervalued. The stock's GF Value™ is ₱3.49, compared to a current price of ₱2.21 — trading 36.7% below its estimated fair value. The current Debt-to-EBITDA is 1.22, which is 46% below median its 10-year median of 2.25 and 49% below the Retail - Cyclical industry median of 2.39. SSI Group's overall GF Score™ is 85/100 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 SSI Group (PHS:SSI), the current Debt-to-EBITDA is 1.22 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 SSI Group (PHS:SSI) Overvalued in 2026?
Based on GuruFocus' analysis, SSI Group stock appears to be undervalued.
The current stock price of ₱2.21 is trading 36.7% below its estimated GF Value™ of ₱3.49.
GuruFocus considers SSI Group to be Significantly Undervalued.
Key valuation signals for PHS:SSI:
Debt-to-EBITDA: 1.22 (46% below median its 10-year median of 2.25)
GF Value™: ₱3.49 vs. price of ₱2.21 (36.7% below fair value)
Industry Position: 49% below the Retail - Cyclical median (#201 of 896)
No single metric tells the full story. See the PHS:SSI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SSI Group Inc together with its subsidiaries, operates specialty retail stores in the Philippines. The company operates a retail network consists of 628 stores located within approximately 110 malls across the Philippines, including Metro Manila, Luzon, Visayas, and Mindanao. The company provides a broad range of categories and brands, from luxury and bridge apparel to casual wear and fast fashion, as well as footwear, accessories, luggage, food, home and decor, and beauty and personal care.
85GF Score
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