Sao Mai GroupSTC:ASM +3.52%71 Debt-to-EBITDA is 8.56 as of Mar. 2026, which is 65% above its 10-year median of 5.19. GuruFocus rates STC:ASM with a GF Score™ of 71/100 and a GF Value™ of ₫7,026.01 (Modestly Undervalued). The stock has 6 warning signs investors should review. Among 1,272 Real Estate companies, Sao Mai Group ranks worse than 67.45% 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 Sao Mai Group's Debt-to-EBITDA or its related term are showing as below:
STC:ASM'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 2.81 Med: 5.19 Max: 9.84
Current: 9.08
During the past 13 years, the highest Debt-to-EBITDA Ratio of Sao Mai Group was 9.84. The lowest was 2.81. And the median was 5.19.
STC:ASM's Debt-to-EBITDA is ranked worse than 67.45% of 1272
companies
in the Real Estate industry
Industry Median: 5.615
vs STC:ASM: 9.08
Sao Mai Group (STC:ASM) 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.
Sao Mai Group Debt-to-EBITDA Related Terms
Sao Mai Group Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Sao Mai 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.
STC:ASM vs CBRE, BEKE, JLL: Debt-to-EBITDA Comparison
For the Real Estate Services subindustry, Sao Mai 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.
Sao Mai Group Debt-to-EBITDA vs Real Estate Industry
For the Real Estate industry and Real Estate sector, Sao Mai Group's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Sao Mai 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.
Sao Mai Group (STC:ASM) has a Debt-to-EBITDA of 8.56 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 Sao Mai Group. This is 65% above median its historical median of 5.19. Over the past decade, Sao Mai Group's Debt-to-EBITDA has ranged from 2.81 to 9.84. According to the industry distribution chart, Sao Mai Group ranks #858 out of 1272 companies in the Real Estate industry, placing it in the top 67.5%.
Is Sao Mai Group's Debt-to-EBITDA too high?
Sao Mai Group's current Debt-to-EBITDA of 8.56 is 65% above median its 10-year median of 5.19. Over the past 10 years, this metric has ranged from a low of 2.81 to a high of 9.84. The Real Estate industry median Debt-to-EBITDA is 5.62. Sao Mai Group's value of 8.56 is 52.4% above this industry median. Based on the distribution chart, Sao Mai Group ranks #858 out of 1272 companies in the Real Estate industry, which is below the industry midpoint. Overall, Sao Mai Group has a GF Score™ of 71/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Sao Mai Group's Debt-to-EBITDA compare to CBRE and BEKE?
According to the Real Estate industry distribution chart, Sao Mai Group ranks #858 out of 1272 companies for Debt-to-EBITDA. This places Sao Mai Group in the lower half of its industry. The industry median Debt-to-EBITDA is 5.62. Sao Mai Group's value of 8.56 is 52.4% above this benchmark. Historically, Sao Mai Group's own Debt-to-EBITDA has ranged from 2.81 to 9.84 over the past decade. While the company's 10-year median is 5.19 vs. the industry median of 5.62, Sao Mai Group 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 Real Estate company?
The median Debt-to-EBITDA among Real Estate companies is 5.62, based on 1,272 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. Sao Mai Group's current Debt-to-EBITDA of 8.56 is 52.4% 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 Sao Mai Group. For the Real Estate industry, the median Debt-to-EBITDA is 5.62 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sao Mai Group's current Debt-to-EBITDA is 8.56, which is 65% above median its own 10-year median of 5.19. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sao Mai Group stock overvalued right now?
Based on GuruFocus' analysis, Sao Mai Group (STC:ASM) is currently considered Modestly Undervalued. The stock's GF Value™ is ₫7,026.01, compared to a current price of ₫6,170.00 — trading 12.2% below its estimated fair value. The current Debt-to-EBITDA is 8.56, which is 65% above median its 10-year median of 5.19 and 52.4% above the Real Estate industry median of 5.62. Sao Mai Group's overall GF Score™ is 71/100 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 Sao Mai Group (STC:ASM), the current Debt-to-EBITDA is 8.56 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 Sao Mai Group (STC:ASM) Overvalued in 2026?
Based on GuruFocus' analysis, Sao Mai Group stock appears to be undervalued.
The current stock price of ₫6,170.00 is trading 12.2% below its estimated GF Value™ of ₫7,026.01.
GuruFocus considers Sao Mai Group to be Modestly Undervalued.
Key valuation signals for STC:ASM:
Debt-to-EBITDA: 8.56 (65% above median its 10-year median of 5.19)
GF Value™: ₫7,026.01 vs. price of ₫6,170.00 (12.2% below fair value)
Industry Position: 52.4% above the Real Estate median (#858 of 1272)
No single metric tells the full story. See the STC:ASM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sao Mai Group Corp is a company engaged in the real estate sector. It develops urban zones, residential areas and resorts, as well as leases houses and offices. It is also engaged in investment in the infrastructure business, residential area, urban area, industrial zone.
71GF Score
Get the complete analysis for STC:ASM
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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