STI Education Systems HoldingsPHS:STI -0.83%98 Debt-to-EBITDA is 0.65 as of Mar. 2026, which is 82% below its 10-year median of 3.52. GuruFocus rates PHS:STI with a GF Score™ of 98/100 and a GF Value™ of ₱1.36 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 187 Education companies, STI Education Systems Holdings ranks better than 66.84% 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 STI Education Systems Holdings's Debt-to-EBITDA or its related term are showing as below:
PHS:STI'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.64 Med: 3.52 Max: 6.2
Current: 0.64
During the past 13 years, the highest Debt-to-EBITDA Ratio of STI Education Systems Holdings was 6.20. The lowest was 0.64. And the median was 3.52.
PHS:STI's Debt-to-EBITDA is ranked better than 66.84% of 187
companies
in the Education industry
Industry Median: 1.45
vs PHS:STI: 0.64
STI Education Systems Holdings (PHS:STI) 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.
STI Education Systems Holdings Debt-to-EBITDA Related Terms
STI Education Systems Holdings Debt-to-EBITDA Historical Data
* 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.
STI Education Systems Holdings Debt-to-EBITDA Chart
PHS:STI vs EDU, TAL, LAUR: Debt-to-EBITDA Comparison
For the Education & Training Services subindustry, STI Education Systems 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.
STI Education Systems Holdings Debt-to-EBITDA vs Education Industry
For the Education industry and Consumer Defensive sector, STI Education Systems Holdings's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where STI Education Systems 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.
STI Education Systems Holdings (PHS:STI) has a Debt-to-EBITDA of 0.65 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 STI Education Systems Holdings. This is 82% below median its historical median of 3.52. Over the past decade, STI Education Systems Holdings' Debt-to-EBITDA has ranged from 0.64 to 6.20. According to the industry distribution chart, STI Education Systems Holdings ranks #62 out of 187 companies in the Education industry, placing it in the top 33.2%.
Is STI Education Systems Holdings' Debt-to-EBITDA too high?
STI Education Systems Holdings' current Debt-to-EBITDA of 0.65 is 82% below median its 10-year median of 3.52. Over the past 10 years, this metric has ranged from a low of 0.64 to a high of 6.20. The Education industry median Debt-to-EBITDA is 1.45. STI Education Systems Holdings' value of 0.65 is 55.2% below this industry median. Based on the distribution chart, STI Education Systems Holdings ranks #62 out of 187 companies in the Education industry, which is above the industry midpoint. Overall, STI Education Systems Holdings has a GF Score™ of 98/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does STI Education Systems Holdings' Debt-to-EBITDA compare to EDU and TAL?
According to the Education industry distribution chart, STI Education Systems Holdings ranks #62 out of 187 companies for Debt-to-EBITDA. This puts STI Education Systems Holdings in the upper half of its industry. The industry median Debt-to-EBITDA is 1.45. STI Education Systems Holdings' value of 0.65 is 55.2% below this benchmark. Historically, STI Education Systems Holdings' own Debt-to-EBITDA has ranged from 0.64 to 6.20 over the past decade. While the company's 10-year median is 3.52 vs. the industry median of 1.45, STI Education Systems 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 an Education company?
The median Debt-to-EBITDA among Education companies is 1.45, based on 187 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. STI Education Systems Holdings's current Debt-to-EBITDA of 0.65 is 55.2% 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 STI Education Systems Holdings. For the Education industry, the median Debt-to-EBITDA is 1.45 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. STI Education Systems Holdings's current Debt-to-EBITDA is 0.65, which is 82% below median its own 10-year median of 3.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is STI Education Systems Holdings stock overvalued right now?
Based on GuruFocus' analysis, STI Education Systems Holdings (PHS:STI) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱1.36, compared to a current price of ₱1.20 — trading 11.8% below its estimated fair value. The current Debt-to-EBITDA is 0.65, which is 82% below median its 10-year median of 3.52 and 55.2% below the Education industry median of 1.45. STI Education Systems Holdings' overall GF Score™ is 98/100 with 1 warning sign 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 STI Education Systems Holdings (PHS:STI), the current Debt-to-EBITDA is 0.65 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 STI Education Systems Holdings (PHS:STI) Overvalued in 2026?
Based on GuruFocus' analysis, STI Education Systems Holdings stock appears to be undervalued.
The current stock price of ₱1.20 is trading 11.8% below its estimated GF Value™ of ₱1.36.
GuruFocus considers STI Education Systems Holdings to be Modestly Undervalued.
Key valuation signals for PHS:STI:
Debt-to-EBITDA: 0.65 (82% below median its 10-year median of 3.52)
GF Value™: ₱1.36 vs. price of ₱1.20 (11.8% below fair value)
Industry Position: 55.2% below the Education median (#62 of 187)
No single metric tells the full story. See the PHS:STI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
STI Education Systems Holdings Business Description
STI Education Systems Holdings Inc is a Philippine investment holding company focused on education and education-related activities through subsidiaries that operate schools offering basic education, Senior High School, tertiary, post-graduate, and non-degree programs. The majority of its revenues come from educational services provided over time. It is organized into five geographical segments: Metro Manila, Northern Luzon, Southern Luzon, Visayas, and Mindanao, with the majority of revenue coming from Metro Manila.
98GF Score
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