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Upson InternationalPHS:UPSON -1.43%55 Debt-to-EBITDA is 2.45 as of Mar. 2026, which is 1% above its 10-year median of 2.42. GuruFocus rates PHS:UPSON with a GF Score™ of 55/100 and a GF Value™ of ₱0.97 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 898 Retail - Cyclical companies, Upson International ranks worse than 55.57% 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 Upson International's Debt-to-EBITDA or its related term are showing as below:
PHS:UPSON'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.47 Med: 2.42 Max: 5.3
Current: 2.75
During the past 7 years, the highest Debt-to-EBITDA Ratio of Upson International was 5.30. The lowest was 1.47. And the median was 2.42.
PHS:UPSON's Debt-to-EBITDA is ranked worse than 55.57% of 898
companies
in the Retail - Cyclical industry
Industry Median: 2.395
vs PHS:UPSON: 2.75
Upson International (PHS:UPSON) 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.
Upson International Debt-to-EBITDA Related Terms
Upson International Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Upson International'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:UPSON vs CASY, WSM, DKS: Debt-to-EBITDA Comparison
For the Specialty Retail subindustry, Upson International'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.
Upson International Debt-to-EBITDA vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Upson International's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Upson International'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.
Upson International (PHS:UPSON) has a Debt-to-EBITDA of 2.45 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 Upson International. This is near median its historical median of 2.42. Over the past decade, Upson International's Debt-to-EBITDA has ranged from 1.47 to 5.30. According to the industry distribution chart, Upson International ranks #499 out of 898 companies in the Retail - Cyclical industry, placing it in the top 55.6%.
Is Upson International's Debt-to-EBITDA too high?
Upson International's current Debt-to-EBITDA of 2.45 is near median its 10-year median of 2.42. Over the past 10 years, this metric has ranged from a low of 1.47 to a high of 5.30. The Retail - Cyclical industry median Debt-to-EBITDA is 2.40. Upson International's value of 2.45 is 2.3% above this industry median. Based on the distribution chart, Upson International ranks #499 out of 898 companies in the Retail - Cyclical industry, which is below the industry midpoint. Overall, Upson International has a GF Score™ of 55/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Upson International's Debt-to-EBITDA compare to CASY and WSM?
According to the Retail - Cyclical industry distribution chart, Upson International ranks #499 out of 898 companies for Debt-to-EBITDA. This places Upson International in the lower half of its industry. The industry median Debt-to-EBITDA is 2.40. Upson International's value of 2.45 is 2.3% above this benchmark. Historically, Upson International's own Debt-to-EBITDA has ranged from 1.47 to 5.30 over the past decade. While the company's 10-year median is 2.42 vs. the industry median of 2.40, Upson International 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 2.40, based on 898 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. Upson International's current Debt-to-EBITDA of 2.45 is 2.3% 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 Upson International. For the Retail - Cyclical industry, the median Debt-to-EBITDA is 2.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Upson International's current Debt-to-EBITDA is 2.45, which is near median its own 10-year median of 2.42. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Upson International stock overvalued right now?
Based on GuruFocus' analysis, Upson International (PHS:UPSON) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱0.97, compared to a current price of ₱0.69 — trading 28.9% below its estimated fair value. The current Debt-to-EBITDA is 2.45, which is near median its 10-year median of 2.42 and 2.3% above the Retail - Cyclical industry median of 2.40. Upson International's overall GF Score™ is 55/100 with 4 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 Upson International (PHS:UPSON), the current Debt-to-EBITDA is 2.45 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 Upson International (PHS:UPSON) Overvalued in 2026?
Based on GuruFocus' analysis, Upson International stock appears to be undervalued.
The current stock price of ₱0.69 is trading 28.9% below its estimated GF Value™ of ₱0.97.
GuruFocus considers Upson International to be Modestly Undervalued.
Key valuation signals for PHS:UPSON:
Debt-to-EBITDA: 2.45 (near median its 10-year median of 2.42)
GF Value™: ₱0.97 vs. price of ₱0.69 (28.9% below fair value)
Industry Position: 2.3% above the Retail - Cyclical median (#499 of 898)
No single metric tells the full story. See the PHS:UPSON stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Upson International Corp is engaged in the business of buying, selling, distributing, marketing, at wholesale and retail all kinds of goods, commodities, wares and merchandise such as but not limited to computer hardware equipment, telecommunications and other similar products. The company operates in two segments 1) Retail of information and communications technology (ICT) products. and 2) Retail of water filtration and purification devices. Key revenue is generated from ICT Products. The Group operates and generates revenue principally in the Philippines.
55GF Score
Get the complete analysis for PHS:UPSON
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