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Hotai Finance CoTPE:6592 +0.49%86 Debt-to-EBITDA is 49.25 as of Mar. 2026, which is 49% above its 10-year median of 32.97. GuruFocus rates TPE:6592 with a GF Score™ of 86/100 and a GF Value™ of NT$70.12 (Modestly Undervalued). The stock has 7 warning signs investors should review. Among 284 Credit Services companies, Hotai Finance Co ranks worse than 94.72% 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 Hotai Finance Co's Debt-to-EBITDA or its related term are showing as below:
TPE:6592'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 24.94 Med: 32.97 Max: 54.69
Current: 52.83
During the past 10 years, the highest Debt-to-EBITDA Ratio of Hotai Finance Co was 54.69. The lowest was 24.94. And the median was 32.97.
TPE:6592's Debt-to-EBITDA is ranked worse than 94.72% of 284
companies
in the Credit Services industry
Industry Median: 9.055
vs TPE:6592: 52.83
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.
Hotai Finance Co Debt-to-EBITDA Related Terms
Hotai Finance Co Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Hotai Finance Co'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 Credit Services subindustry, Hotai Finance Co'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.
Hotai Finance Co Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Hotai Finance Co's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Hotai Finance Co'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.
Hotai Finance Co (TPE:6592) has a Debt-to-EBITDA of 49.25 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 Hotai Finance Co. This is 49% above median its historical median of 32.97. Over the past decade, Hotai Finance Co's Debt-to-EBITDA has ranged from 24.94 to 54.69. According to the industry distribution chart, Hotai Finance Co ranks #269 out of 284 companies in the Credit Services industry, placing it in the top 94.7%.
Is Hotai Finance Co's Debt-to-EBITDA too high?
Hotai Finance Co's current Debt-to-EBITDA of 49.25 is 49% above median its 10-year median of 32.97. Over the past 10 years, this metric has ranged from a low of 24.94 to a high of 54.69. The Credit Services industry median Debt-to-EBITDA is 9.06. Hotai Finance Co's value of 49.25 is 443.9% above this industry median. Based on the distribution chart, Hotai Finance Co ranks #269 out of 284 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Hotai Finance Co has a GF Score™ of 86/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Hotai Finance Co's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Hotai Finance Co ranks #269 out of 284 companies for Debt-to-EBITDA. This places Hotai Finance Co in the lower half of its industry. The industry median Debt-to-EBITDA is 9.06. Hotai Finance Co's value of 49.25 is 443.9% above this benchmark. Historically, Hotai Finance Co's own Debt-to-EBITDA has ranged from 24.94 to 54.69 over the past decade. While the company's 10-year median is 32.97 vs. the industry median of 9.06, Hotai Finance Co 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 Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 9.06, based on 284 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. Hotai Finance Co's current Debt-to-EBITDA of 49.25 is 443.9% 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 Hotai Finance Co. For the Credit Services industry, the median Debt-to-EBITDA is 9.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hotai Finance Co's current Debt-to-EBITDA is 49.25, which is 49% above median its own 10-year median of 32.97. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hotai Finance Co stock overvalued right now?
Based on GuruFocus' analysis, Hotai Finance Co (TPE:6592) is currently considered Modestly Undervalued. The stock's GF Value™ is NT$70.12, compared to a current price of NT$61.00 — trading 13% below its estimated fair value. The current Debt-to-EBITDA is 49.25, which is 49% above median its 10-year median of 32.97 and 443.9% above the Credit Services industry median of 9.06. Hotai Finance Co's overall GF Score™ is 86/100 with 7 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 Hotai Finance Co (TPE:6592), the current Debt-to-EBITDA is 49.25 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 Hotai Finance Co (TPE:6592) Overvalued in 2026?
Based on GuruFocus' analysis, Hotai Finance Co stock appears to be undervalued.
The current stock price of NT$61.00 is trading 13% below its estimated GF Value™ of NT$70.12.
GuruFocus considers Hotai Finance Co to be Modestly Undervalued.
Key valuation signals for TPE:6592:
Debt-to-EBITDA: 49.25 (49% above median its 10-year median of 32.97)
GF Value™: NT$70.12 vs. price of NT$61.00 (13% below fair value)
Industry Position: 443.9% above the Credit Services median (#269 of 284)
No single metric tells the full story. See the TPE:6592 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hotai Finance Co Ltd is a Taiwan-based full-service financing company. It is engaged in the installment sales and leases of vehicles and equipment. The company offers products and services such as an Installment loan for a new car, used car, motorcycle & scooter, and others. The company's geographical segment consists of Taiwan and China. The company generates the majority of its revenue from Taiwan.
86GF Score
Get the complete analysis for TPE:6592
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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