Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
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 Phu Nhuan Jewelry JSC's Debt-to-EBITDA or its related term are showing as below:
STC:PNJ'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.89 Med: 1.18 Max: 2.16
Current: 1.01
During the past 13 years, the highest Debt-to-EBITDA Ratio of Phu Nhuan Jewelry JSC was 2.16. The lowest was 0.89. And the median was 1.18.
STC:PNJ's Debt-to-EBITDA is ranked better than 75.52% of 911
companies
in the Retail - Cyclical industry
Industry Median: 2.32
vs STC:PNJ: 1.01
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.
Phu Nhuan Jewelry JSC Debt-to-EBITDA Related Terms
Phu Nhuan Jewelry JSC Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Phu Nhuan Jewelry JSC'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.
For the Luxury Goods subindustry, Phu Nhuan Jewelry JSC'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.
Phu Nhuan Jewelry JSC Debt-to-EBITDA vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Phu Nhuan Jewelry JSC's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Phu Nhuan Jewelry JSC'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 (Jun. 2026) EBITDA data.
Phu Nhuan Jewelry JSC (STC:PNJ) has a Debt-to-EBITDA of -4.52 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Phu Nhuan Jewelry JSC. Over the past decade, Phu Nhuan Jewelry JSC's Debt-to-EBITDA has ranged from 0.89 to 2.16. According to the industry distribution chart, Phu Nhuan Jewelry JSC ranks #223 out of 911 companies in the Retail - Cyclical industry, placing it in the top 24.5%.
Is Phu Nhuan Jewelry JSC's Debt-to-EBITDA too high?
Phu Nhuan Jewelry JSC's current Debt-to-EBITDA is -4.52. Over the past 10 years, this metric has ranged from a low of 0.89 to a high of 2.16. Based on the distribution chart, Phu Nhuan Jewelry JSC ranks #223 out of 911 companies in the Retail - Cyclical industry, which is in the top quartile — a strong position relative to peers. Overall, Phu Nhuan Jewelry JSC has a GF Score™ of 92/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Phu Nhuan Jewelry JSC's Debt-to-EBITDA compare to TPR and SIG?
According to the Retail - Cyclical industry distribution chart, Phu Nhuan Jewelry JSC ranks #223 out of 911 companies for Debt-to-EBITDA. This places Phu Nhuan Jewelry JSC in the top 25% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 2.32. Historically, Phu Nhuan Jewelry JSC's own Debt-to-EBITDA has ranged from 0.89 to 2.16 over the past decade. 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 2.32, based on 911 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. 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 Phu Nhuan Jewelry JSC. For the Retail - Cyclical industry, the median Debt-to-EBITDA is 2.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Phu Nhuan Jewelry JSC's current Debt-to-EBITDA is -4.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Phu Nhuan Jewelry JSC stock overvalued right now?
Based on GuruFocus' analysis, Phu Nhuan Jewelry JSC (STC:PNJ) is currently considered Significantly Undervalued. The stock's GF Value™ is ₫79,487.40, compared to a current price of ₫34,850.00 — trading 56.2% below its estimated fair value. The current Debt-to-EBITDA is -4.52. Phu Nhuan Jewelry JSC's overall GF Score™ is 92/100 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 Phu Nhuan Jewelry JSC (STC:PNJ), the current Debt-to-EBITDA is -4.52 as of Jun. 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 Phu Nhuan Jewelry JSC (STC:PNJ) Overvalued in 2026?
Based on GuruFocus' analysis, Phu Nhuan Jewelry JSC stock appears to be undervalued.
The current stock price of ₫34,850.00 is trading 56.2% below its estimated GF Value™ of ₫79,487.40.
GuruFocus considers Phu Nhuan Jewelry JSC to be Significantly Undervalued.
Key valuation signals for STC:PNJ:
Debt-to-EBITDA: -4.52
GF Value™: ₫79,487.40 vs. price of ₫34,850.00 (56.2% below fair value)
No single metric tells the full story. See the STC:PNJ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Phu Nhuan Jewelry JSC is engaged in the manufacturing and trading of gold, silver, jewelry, and gemstones, and imports and exports jewelry in gold, silver, and gemstones. The other activities are mainly trading accessories and jewelry inspection services. It offers products such as rings, earrings, bracelets, pendants, necklaces, etc., under different brands such as CAO Fine Jewellery, Mancode by PNJ, Style by PNJ, PNJArt, PNJ Silver and Accessories, and others. Geographically, the company conducts its operations only in Vietnam.
92GF Score
Get the complete analysis for STC:PNJ
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
STC:PNJ has been successfully added to your 
