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Financial Partners Group CoTSE:7148 +1.87%78 Debt-to-EBITDA is 2.58 as of Mar. 2026, which is 47% below its 10-year median of 4.88. GuruFocus rates TSE:7148 with a GF Score™ of 78/100 and a GF Value™ of 円1,501.63 (Fairly Valued). The stock has 4 warning signs investors should review. Among 116 Diversified Financial Services companies, Financial Partners Group Co ranks better than 78.45% 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 Financial Partners Group Co's Debt-to-EBITDA or its related term are showing as below:
TSE:7148'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.94 Med: 4.88 Max: 32.79
Current: 1.97
During the past 13 years, the highest Debt-to-EBITDA Ratio of Financial Partners Group Co was 32.79. The lowest was 1.94. And the median was 4.88.
TSE:7148's Debt-to-EBITDA is ranked better than 78.45% of 116
companies
in the Diversified Financial Services industry
Industry Median: 6.12
vs TSE:7148: 1.97
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.
Financial Partners Group Co Debt-to-EBITDA Related Terms
Financial Partners Group Co Debt-to-EBITDA Historical Data
* 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 Financial Conglomerates subindustry, Financial Partners Group 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.
Financial Partners Group Co Debt-to-EBITDA vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, Financial Partners Group Co's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Financial Partners Group 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.
Financial Partners Group Co (TSE:7148) has a Debt-to-EBITDA of 2.58 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 Financial Partners Group Co. This is 47% below median its historical median of 4.88. Over the past decade, Financial Partners Group Co's Debt-to-EBITDA has ranged from 1.94 to 32.79. According to the industry distribution chart, Financial Partners Group Co ranks #25 out of 116 companies in the Diversified Financial Services industry, placing it in the top 21.6%.
Is Financial Partners Group Co's Debt-to-EBITDA too high?
Financial Partners Group Co's current Debt-to-EBITDA of 2.58 is 47% below median its 10-year median of 4.88. Over the past 10 years, this metric has ranged from a low of 1.94 to a high of 32.79. The Diversified Financial Services industry median Debt-to-EBITDA is 6.12. Financial Partners Group Co's value of 2.58 is 57.8% below this industry median. Based on the distribution chart, Financial Partners Group Co ranks #25 out of 116 companies in the Diversified Financial Services industry, which is in the top quartile — a strong position relative to peers. Overall, Financial Partners Group Co has a GF Score™ of 78/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Financial Partners Group Co's Debt-to-EBITDA compare to FRHC and VOYA?
According to the Diversified Financial Services industry distribution chart, Financial Partners Group Co ranks #25 out of 116 companies for Debt-to-EBITDA. This places Financial Partners Group Co in the top 22% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 6.12. Financial Partners Group Co's value of 2.58 is 57.8% below this benchmark. Historically, Financial Partners Group Co's own Debt-to-EBITDA has ranged from 1.94 to 32.79 over the past decade. While the company's 10-year median is 4.88 vs. the industry median of 6.12, Financial Partners Group Co has consistently been below 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 Diversified Financial Services company?
The median Debt-to-EBITDA among Diversified Financial Services companies is 6.12, based on 116 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. Financial Partners Group Co's current Debt-to-EBITDA of 2.58 is 57.8% below 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 Financial Partners Group Co. For the Diversified Financial Services industry, the median Debt-to-EBITDA is 6.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Financial Partners Group Co's current Debt-to-EBITDA is 2.58, which is 47% below median its own 10-year median of 4.88. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Financial Partners Group Co stock overvalued right now?
Based on GuruFocus' analysis, Financial Partners Group Co (TSE:7148) is currently considered Fairly Valued. The stock's GF Value™ is 円1,501.63, compared to a current price of 円1,636.00 — trading 8.9% above its estimated fair value. The current Debt-to-EBITDA is 2.58, which is 47% below median its 10-year median of 4.88 and 57.8% below the Diversified Financial Services industry median of 6.12. Financial Partners Group Co's overall GF Score™ is 78/100 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 Financial Partners Group Co (TSE:7148), the current Debt-to-EBITDA is 2.58 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 Financial Partners Group Co (TSE:7148) Overvalued in 2026?
Based on GuruFocus' analysis, Financial Partners Group Co stock appears to be overvalued.
The current stock price of 円1,636.00 is trading 8.9% above its estimated GF Value™ of 円1,501.63.
GuruFocus considers Financial Partners Group Co to be Fairly Valued.
Key valuation signals for TSE:7148:
Debt-to-EBITDA: 2.58 (47% below median its 10-year median of 4.88)
GF Value™: 円1,501.63 vs. price of 円1,636.00 (8.9% above fair value)
Industry Position: 57.8% below the Diversified Financial Services median (#25 of 116)
No single metric tells the full story. See the TSE:7148 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Financial Partners Group Co Ltd is a financial services company based in Japan. The company's core business is the tax leasing arrangement business, which provides integrated services covering the structuring, origination, equity placement, and administration of Japanese operating leases for large transport equipment such as marine containers, ships and aircraft. The company is also engaged in the insurance brokerage business, mergers and acquisition advisory business, private banking business, real estate-related business, securities business, asset management business, and the trust business.
78GF Score
Get the complete analysis for TSE:7148
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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