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Raffles EducationRFLFF 40 Debt-to-EBITDA is 5.14 as of Dec. 2025, which is 18% below its 10-year median of 6.24. GuruFocus rates RFLFF with a GF Score™ of 40/100 and a GF Value™ of $0.02. The stock has 6 warning signs investors should review. Among 188 Education companies, Raffles Education ranks worse than 88.83% 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 Raffles Education's Debt-to-EBITDA or its related term are showing as below:
RFLFF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -129.51 Med: 6.24 Max: 15.11
Current: 5.98
During the past 13 years, the highest Debt-to-EBITDA Ratio of Raffles Education was 15.11. The lowest was -129.51. And the median was 6.24.
RFLFF's Debt-to-EBITDA is ranked worse than 88.83% of 188
companies
in the Education industry
Industry Median: 1.55
vs RFLFF: 5.98
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.
Raffles Education Debt-to-EBITDA Related Terms
Raffles Education Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Raffles Education'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.
RFLFF vs EDU, TAL, LAUR: Debt-to-EBITDA Comparison
For the Education & Training Services subindustry, Raffles Education'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.
Raffles Education Debt-to-EBITDA vs Education Industry
For the Education industry and Consumer Defensive sector, Raffles Education's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Raffles Education'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 two times the quarterly (Dec. 2025) EBITDA data.
Raffles Education (RFLFF) has a Debt-to-EBITDA of 5.14 as of Dec. 2025. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Raffles Education. This is 18% below median its historical median of 6.24. According to the industry distribution chart, Raffles Education ranks #167 out of 188 companies in the Education industry, placing it in the top 88.8%.
Is Raffles Education's Debt-to-EBITDA too high?
Raffles Education's current Debt-to-EBITDA of 5.14 is 18% below median its 10-year median of 6.24. The Education industry median Debt-to-EBITDA is 1.55. Raffles Education's value of 5.14 is 231.6% above this industry median. Based on the distribution chart, Raffles Education ranks #167 out of 188 companies in the Education industry, which is in the bottom quartile relative to peers. Overall, Raffles Education has a GF Score™ of 40/100, reflecting its overall financial health beyond just this single metric.
How does Raffles Education's Debt-to-EBITDA compare to EDU and TAL?
According to the Education industry distribution chart, Raffles Education ranks #167 out of 188 companies for Debt-to-EBITDA. This places Raffles Education in the lower half of its industry. The industry median Debt-to-EBITDA is 1.55. Raffles Education's value of 5.14 is 231.6% above this benchmark. While the company's 10-year median is 6.24 vs. the industry median of 1.55, Raffles Education 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 an Education company?
The median Debt-to-EBITDA among Education companies is 1.55, based on 188 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. Raffles Education's current Debt-to-EBITDA of 5.14 is 231.6% 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 Raffles Education. For the Education industry, the median Debt-to-EBITDA is 1.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Raffles Education's current Debt-to-EBITDA is 5.14, which is 18% below median its own 10-year median of 6.24. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Raffles Education stock overvalued right now?
Raffles Education (RFLFF) has a current Debt-to-EBITDA of 5.14. The stock's GF Value™ is $0.02, compared to a current price of $0.05 — trading 140.2% above its estimated fair value. The current Debt-to-EBITDA is 5.14, which is 18% below median its 10-year median of 6.24 and 231.6% above the Education industry median of 1.55. Raffles Education's overall GF Score™ is 40/100 with 6 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 Raffles Education (RFLFF), the current Debt-to-EBITDA is 5.14 as of Dec. 2025. 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 Raffles Education (RFLFF) Overvalued in 2026?
Based on GuruFocus' analysis, Raffles Education stock appears to be overvalued.
The current stock price of $0.05 is trading 140.2% above its estimated GF Value™ of $0.02.
Key valuation signals for RFLFF:
Debt-to-EBITDA: 5.14 (18% below median its 10-year median of 6.24)
GF Value™: $0.02 vs. price of $0.05 (140.2% above fair value)
Industry Position: 231.6% above the Education median (#167 of 188)
No single metric tells the full story. See the RFLFF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Raffles Education Ltd operates as an investment holding company, which engages in providing business and management consultancy services. It operates through the following business segments: Education, Education Facilities Rental Service, Real Estate Investment and Development, and Corporate and Others. The Education segment offers students a range of degrees, diploma and full-time certification programmes in design and business-oriented disciplines at the post-secondary level. The Education Facilities Rental Service segment refers to the OUCHK engaging in education facilities leasing and commercial leasing for supporting facilities. The Real Estate Investment and Development segment participates in real estate investments and development.
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