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PJICO Insurance (STC:PGI) Debt-to-EBITDA : 2.61 (As of Dec. 2024)


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What is PJICO Insurance Debt-to-EBITDA?

Debt-to-EBITDA measures a company's ability to pay off its debt.

PJICO Insurance's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2024 was ₫615,075 Mil. PJICO Insurance's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2024 was ₫0 Mil. PJICO Insurance's annualized EBITDA for the quarter that ended in Dec. 2024 was ₫235,400 Mil. PJICO Insurance's annualized Debt-to-EBITDA for the quarter that ended in Dec. 2024 was 2.61.

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 PJICO Insurance's Debt-to-EBITDA or its related term are showing as below:

STC:PGI' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.98   Med: 1.43   Max: 2.27
Current: 2.27

During the past 7 years, the highest Debt-to-EBITDA Ratio of PJICO Insurance was 2.27. The lowest was 0.98. And the median was 1.43.

STC:PGI's Debt-to-EBITDA is ranked worse than
72.33% of 300 companies
in the Insurance industry
Industry Median: 1.205 vs STC:PGI: 2.27

PJICO Insurance Debt-to-EBITDA Historical Data

The historical data trend for PJICO Insurance'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.

* Premium members only.

PJICO Insurance Debt-to-EBITDA Chart

PJICO Insurance Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Debt-to-EBITDA
Get a 7-Day Free Trial N/A N/A - 0.98 1.88

PJICO Insurance Quarterly Data
Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Dec24
Debt-to-EBITDA Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.16 1.61 0.89 0.56 2.61

Competitive Comparison of PJICO Insurance's Debt-to-EBITDA

For the Insurance - Property & Casualty subindustry, PJICO Insurance'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.


PJICO Insurance's Debt-to-EBITDA Distribution in the Insurance Industry

For the Insurance industry and Financial Services sector, PJICO Insurance's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where PJICO Insurance's Debt-to-EBITDA falls into.


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PJICO Insurance Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

PJICO Insurance's Debt-to-EBITDA for the fiscal year that ended in Dec. 2024 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(615075.407 + 0) / 327293.725
=1.88

PJICO Insurance's annualized Debt-to-EBITDA for the quarter that ended in Dec. 2024 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(615075.407 + 0) / 235400.304
=2.61

* 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 (Dec. 2024) EBITDA data.


PJICO Insurance  (STC:PGI) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.


Be Aware

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.


PJICO Insurance Debt-to-EBITDA Related Terms

Thank you for viewing the detailed overview of PJICO Insurance's Debt-to-EBITDA provided by GuruFocus.com. Please click on the following links to see related term pages.


PJICO Insurance Business Description

Traded in Other Exchanges
N/A
Address
21st Floor MIPEC Tower, 229 Tay Son Street, Dong Da Di, Ha Noi, VNM
PJICO Insurance Corp is an insurance company. The company is engaged in providing various non-life insurance products which include automobile insurance covering third-party liability, passenger accidents, and automobile damage.