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SM InvestmentsSVTMF 79 Debt-to-EBITDA is 3.03 as of Mar. 2026, which is 18% below its 10-year median of 3.70. GuruFocus rates SVTMF with a GF Score™ of 79/100 and a GF Value™ of $16.39 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 902 Retail - Cyclical companies, SM Investments ranks worse than 56.98% 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 SM Investments's Debt-to-EBITDA or its related term are showing as below:
SVTMF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 2.85 Med: 3.7 Max: 5.68
Current: 2.85
During the past 13 years, the highest Debt-to-EBITDA Ratio of SM Investments was 5.68. The lowest was 2.85. And the median was 3.70.
SVTMF's Debt-to-EBITDA is ranked worse than 56.98% of 902
companies
in the Retail - Cyclical industry
Industry Median: 2.4
vs SVTMF: 2.85
SM Investments (OTCPK:SVTMF) 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.
SM Investments Debt-to-EBITDA Related Terms
SM Investments Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for SM Investments'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 Department Stores subindustry, SM Investments'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.
SM Investments Debt-to-EBITDA vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, SM Investments's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where SM Investments'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.
SM Investments (SVTMF) has a Debt-to-EBITDA of 3.03 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 SM Investments. This is 18% below median its historical median of 3.70. Over the past decade, SM Investments' Debt-to-EBITDA has ranged from 2.85 to 5.68. According to the industry distribution chart, SM Investments ranks #514 out of 902 companies in the Retail - Cyclical industry, placing it in the top 57%.
Is SM Investments' Debt-to-EBITDA too high?
SM Investments' current Debt-to-EBITDA of 3.03 is 18% below median its 10-year median of 3.70. Over the past 10 years, this metric has ranged from a low of 2.85 to a high of 5.68. The Retail - Cyclical industry median Debt-to-EBITDA is 2.40. SM Investments' value of 3.03 is 26.3% above this industry median. Based on the distribution chart, SM Investments ranks #514 out of 902 companies in the Retail - Cyclical industry, which is below the industry midpoint. Overall, SM Investments has a GF Score™ of 79/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does SM Investments' Debt-to-EBITDA compare to DDS and M?
According to the Retail - Cyclical industry distribution chart, SM Investments ranks #514 out of 902 companies for Debt-to-EBITDA. This places SM Investments in the lower half of its industry. The industry median Debt-to-EBITDA is 2.40. SM Investments' value of 3.03 is 26.3% above this benchmark. Historically, SM Investments' own Debt-to-EBITDA has ranged from 2.85 to 5.68 over the past decade. While the company's 10-year median is 3.70 vs. the industry median of 2.40, SM Investments 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 902 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. SM Investments's current Debt-to-EBITDA of 3.03 is 26.3% 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 SM Investments. 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. SM Investments's current Debt-to-EBITDA is 3.03, which is 18% below median its own 10-year median of 3.70. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SM Investments stock overvalued right now?
Based on GuruFocus' analysis, SM Investments (SVTMF) is currently considered Possible Value Trap. The stock's GF Value™ is $16.39, compared to a current price of $10.15 — trading 38.1% below its estimated fair value. The current Debt-to-EBITDA is 3.03, which is 18% below median its 10-year median of 3.70 and 26.3% above the Retail - Cyclical industry median of 2.40. SM Investments' overall GF Score™ is 79/100 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 SM Investments (SVTMF), the current Debt-to-EBITDA is 3.03 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 SM Investments (SVTMF) Overvalued in 2026?
Based on GuruFocus' analysis, SM Investments stock appears to be undervalued.
The current stock price of $10.15 is trading 38.1% below its estimated GF Value™ of $16.39.
GuruFocus considers SM Investments to be Possible Value Trap.
Key valuation signals for SVTMF:
Debt-to-EBITDA: 3.03 (18% below median its 10-year median of 3.70)
GF Value™: $16.39 vs. price of $10.15 (38.1% below fair value)
Industry Position: 26.3% above the Retail - Cyclical median (#514 of 902)
No single metric tells the full story. See the SVTMF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SM Investments Corp is a Philippines conglomerate with operations in retail, banking, property, and Portfolio investments. The retail division operates department stores and food retail stores. The property division is mainly present in Southeast Asia and is focused on malls, residences, office buildings, resorts, hotels, and convention centers. SM Banking provides financial services through BDO Unibank and China Banking Corporation. China Banking Corporation is servicing emerging companies and small- and medium-scale enterprises. BDO has diverse operations from credit cards, insurance, and leasing to investment banking, and asset management. The majority of its revenue comes from the retail segment that engages in the trading of merchandise such as dry goods, wearing apparel, and others.
79GF Score
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Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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