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Taiwan AcceptanceTPE:9941 +2.93%64 Debt-to-EBITDA is 14.60 as of Mar. 2026, which is 68% below its 10-year median of 46.09. GuruFocus rates TPE:9941 with a GF Score™ of 64/100 and a GF Value™ of NT$185.29 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 285 Credit Services companies, Taiwan Acceptance ranks worse than 87.37% 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 Taiwan Acceptance's Debt-to-EBITDA or its related term are showing as below:
TPE:9941'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 10.99 Med: 46.09 Max: 72.63
Current: 30.27
During the past 13 years, the highest Debt-to-EBITDA Ratio of Taiwan Acceptance was 72.63. The lowest was 10.99. And the median was 46.09.
TPE:9941's Debt-to-EBITDA is ranked worse than 87.37% of 285
companies
in the Credit Services industry
Industry Median: 9
vs TPE:9941: 30.27
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.
Taiwan Acceptance Debt-to-EBITDA Related Terms
Taiwan Acceptance Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Taiwan Acceptance'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, Taiwan Acceptance'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.
Taiwan Acceptance Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Taiwan Acceptance's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Taiwan Acceptance'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.
Taiwan Acceptance (TPE:9941) has a Debt-to-EBITDA of 14.60 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 Taiwan Acceptance. This is 68% below median its historical median of 46.09. Over the past decade, Taiwan Acceptance's Debt-to-EBITDA has ranged from 10.99 to 72.63. According to the industry distribution chart, Taiwan Acceptance ranks #249 out of 285 companies in the Credit Services industry, placing it in the top 87.4%.
Is Taiwan Acceptance's Debt-to-EBITDA too high?
Taiwan Acceptance's current Debt-to-EBITDA of 14.60 is 68% below median its 10-year median of 46.09. Over the past 10 years, this metric has ranged from a low of 10.99 to a high of 72.63. The Credit Services industry median Debt-to-EBITDA is 9.00. Taiwan Acceptance's value of 14.60 is 62.2% above this industry median. Based on the distribution chart, Taiwan Acceptance ranks #249 out of 285 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Taiwan Acceptance has a GF Score™ of 64/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Taiwan Acceptance's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Taiwan Acceptance ranks #249 out of 285 companies for Debt-to-EBITDA. This places Taiwan Acceptance in the lower half of its industry. The industry median Debt-to-EBITDA is 9.00. Taiwan Acceptance's value of 14.60 is 62.2% above this benchmark. Historically, Taiwan Acceptance's own Debt-to-EBITDA has ranged from 10.99 to 72.63 over the past decade. While the company's 10-year median is 46.09 vs. the industry median of 9.00, Taiwan Acceptance 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 9.00, based on 285 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. Taiwan Acceptance's current Debt-to-EBITDA of 14.60 is 62.2% 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 Taiwan Acceptance. For the Credit Services industry, the median Debt-to-EBITDA is 9.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Taiwan Acceptance's current Debt-to-EBITDA is 14.60, which is 68% below median its own 10-year median of 46.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Taiwan Acceptance stock overvalued right now?
Based on GuruFocus' analysis, Taiwan Acceptance (TPE:9941) is currently considered Possible Value Trap. The stock's GF Value™ is NT$185.29, compared to a current price of NT$84.30 — trading 54.5% below its estimated fair value. The current Debt-to-EBITDA is 14.60, which is 68% below median its 10-year median of 46.09 and 62.2% above the Credit Services industry median of 9.00. Taiwan Acceptance's overall GF Score™ is 64/100 with 3 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 Taiwan Acceptance (TPE:9941), the current Debt-to-EBITDA is 14.60 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 Taiwan Acceptance (TPE:9941) Overvalued in 2026?
Based on GuruFocus' analysis, Taiwan Acceptance stock appears to be undervalued.
The current stock price of NT$84.30 is trading 54.5% below its estimated GF Value™ of NT$185.29.
GuruFocus considers Taiwan Acceptance to be Possible Value Trap.
Key valuation signals for TPE:9941:
Debt-to-EBITDA: 14.60 (68% below median its 10-year median of 46.09)
GF Value™: NT$185.29 vs. price of NT$84.30 (54.5% below fair value)
Industry Position: 62.2% above the Credit Services median (#249 of 285)
No single metric tells the full story. See the TPE:9941 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Taiwan Acceptance Corp mainly focuses on accounts receivable purchasing, installment accounts sales, and the equipment leasing business, which is related to products such as various vehicles, equipment, consumer goods, and power generation business. The Group's reportable segments are: Leasing, which generates the maximum revenue, and Financing. Geographically, it derives maximum revenue from Taiwan, followed by China, and other overseas markets.
64GF 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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