Top Line Business DevelopmentPHS:TOP +2.63%5 Debt-to-EBITDA is 5.36 as of Mar. 2026, which is 23% below its 10-year median of 6.96. GuruFocus rates PHS:TOP with a GF Score™ of 5/100. The stock has 2 warning signs investors should review. Among 900 Retail - Cyclical companies, Top Line Business Development ranks worse than 86.78% 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 Top Line Business Development's Debt-to-EBITDA or its related term are showing as below:
PHS:TOP'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 6.23 Med: 6.96 Max: 8.71
Current: 7.56
During the past 5 years, the highest Debt-to-EBITDA Ratio of Top Line Business Development was 8.71. The lowest was 6.23. And the median was 6.96.
PHS:TOP's Debt-to-EBITDA is ranked worse than 86.78% of 900
companies
in the Retail - Cyclical industry
Industry Median: 2.36
vs PHS:TOP: 7.56
Top Line Business Development (PHS:TOP) 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.
Top Line Business Development Debt-to-EBITDA Related Terms
Top Line Business Development 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.
Top Line Business Development Debt-to-EBITDA Chart
PHS:TOP vs CASY, WSM, DKS: Debt-to-EBITDA Comparison
For the Specialty Retail subindustry, Top Line Business Development'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.
Top Line Business Development Debt-to-EBITDA vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Top Line Business Development's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Top Line Business Development'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.
Top Line Business Development (PHS:TOP) has a Debt-to-EBITDA of 5.36 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 Top Line Business Development. This is 23% below median its historical median of 6.96. Over the past decade, Top Line Business Development's Debt-to-EBITDA has ranged from 6.23 to 8.71. According to the industry distribution chart, Top Line Business Development ranks #781 out of 900 companies in the Retail - Cyclical industry, placing it in the top 86.8%.
Is Top Line Business Development's Debt-to-EBITDA too high?
Top Line Business Development's current Debt-to-EBITDA of 5.36 is 23% below median its 10-year median of 6.96. Over the past 10 years, this metric has ranged from a low of 6.23 to a high of 8.71. The Retail - Cyclical industry median Debt-to-EBITDA is 2.36. Top Line Business Development's value of 5.36 is 127.1% above this industry median. Based on the distribution chart, Top Line Business Development ranks #781 out of 900 companies in the Retail - Cyclical industry, which is in the bottom quartile relative to peers. Overall, Top Line Business Development has a GF Score™ of 5/100, reflecting its overall financial health beyond just this single metric.
How does Top Line Business Development's Debt-to-EBITDA compare to CASY and WSM?
According to the Retail - Cyclical industry distribution chart, Top Line Business Development ranks #781 out of 900 companies for Debt-to-EBITDA. This places Top Line Business Development in the lower half of its industry. The industry median Debt-to-EBITDA is 2.36. Top Line Business Development's value of 5.36 is 127.1% above this benchmark. Historically, Top Line Business Development's own Debt-to-EBITDA has ranged from 6.23 to 8.71 over the past decade. While the company's 10-year median is 6.96 vs. the industry median of 2.36, Top Line Business Development 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 Retail - Cyclical company?
The median Debt-to-EBITDA among Retail - Cyclical companies is 2.36, based on 900 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. Top Line Business Development's current Debt-to-EBITDA of 5.36 is 127.1% 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 Top Line Business Development. For the Retail - Cyclical industry, the median Debt-to-EBITDA is 2.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Top Line Business Development's current Debt-to-EBITDA is 5.36, which is 23% below median its own 10-year median of 6.96. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Top Line Business Development stock overvalued right now?
Top Line Business Development (PHS:TOP) has a current Debt-to-EBITDA of 5.36. The current Debt-to-EBITDA is 5.36, which is 23% below median its 10-year median of 6.96 and 127.1% above the Retail - Cyclical industry median of 2.36. Top Line Business Development's overall GF Score™ is 5/100 with 2 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 Top Line Business Development (PHS:TOP), the current Debt-to-EBITDA is 5.36 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.
Top Line Business Development Business Description
Top Line Business Development Corp is providing consistent and reliable fuel solutions that power industries with efficiency and sustainability. It is mainly focused on its vertically integrated liquid fuels business, with an emphasis on the underserved Central Visayas region. The company is engaged in the business of petroleum and petroleum products, mineral oils, and other sources of energy.
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