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Jaccs CoTSE:8584 -0.53%54 Debt-to-EBITDA is 56.41 as of Mar. 2026, which is 19% below its 10-year median of 70.04. GuruFocus rates TSE:8584 with a GF Score™ of 54/100 and a GF Value™ of 円3,782.98 (Fairly Valued). The stock has 6 warning signs investors should review. Among 285 Credit Services companies, Jaccs Co ranks worse than 96.84% 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 Jaccs Co's Debt-to-EBITDA or its related term are showing as below:
TSE:8584'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 60.69 Med: 70.04 Max: 91.86
Current: 91.86
During the past 13 years, the highest Debt-to-EBITDA Ratio of Jaccs Co was 91.86. The lowest was 60.69. And the median was 70.04.
TSE:8584's Debt-to-EBITDA is ranked worse than 96.84% of 285
companies
in the Credit Services industry
Industry Median: 8.4
vs TSE:8584: 91.86
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.
Jaccs Co Debt-to-EBITDA Related Terms
Jaccs Co Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Jaccs 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, Jaccs 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.
Jaccs Co Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Jaccs Co's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Jaccs 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.
Jaccs Co (TSE:8584) has a Debt-to-EBITDA of 56.41 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 Jaccs Co. This is 19% below median its historical median of 70.04. Over the past decade, Jaccs Co's Debt-to-EBITDA has ranged from 60.69 to 91.86. According to the industry distribution chart, Jaccs Co ranks #276 out of 285 companies in the Credit Services industry, placing it in the top 96.8%.
Is Jaccs Co's Debt-to-EBITDA too high?
Jaccs Co's current Debt-to-EBITDA of 56.41 is 19% below median its 10-year median of 70.04. Over the past 10 years, this metric has ranged from a low of 60.69 to a high of 91.86. The Credit Services industry median Debt-to-EBITDA is 8.40. Jaccs Co's value of 56.41 is 571.5% above this industry median. Based on the distribution chart, Jaccs Co ranks #276 out of 285 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Jaccs Co has a GF Score™ of 54/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Jaccs Co's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Jaccs Co ranks #276 out of 285 companies for Debt-to-EBITDA. This places Jaccs Co in the lower half of its industry. The industry median Debt-to-EBITDA is 8.40. Jaccs Co's value of 56.41 is 571.5% above this benchmark. Historically, Jaccs Co's own Debt-to-EBITDA has ranged from 60.69 to 91.86 over the past decade. While the company's 10-year median is 70.04 vs. the industry median of 8.40, Jaccs 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 8.40, 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. Jaccs Co's current Debt-to-EBITDA of 56.41 is 571.5% 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 Jaccs Co. For the Credit Services industry, the median Debt-to-EBITDA is 8.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jaccs Co's current Debt-to-EBITDA is 56.41, which is 19% below median its own 10-year median of 70.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jaccs Co stock overvalued right now?
Based on GuruFocus' analysis, Jaccs Co (TSE:8584) is currently considered Fairly Valued. The stock's GF Value™ is 円3,782.98, compared to a current price of 円3,730.00 — trading 1.4% below its estimated fair value. The current Debt-to-EBITDA is 56.41, which is 19% below median its 10-year median of 70.04 and 571.5% above the Credit Services industry median of 8.40. Jaccs Co's overall GF Score™ is 54/100 with 6 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 Jaccs Co (TSE:8584), the current Debt-to-EBITDA is 56.41 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 Jaccs Co (TSE:8584) Overvalued in 2026?
Based on GuruFocus' analysis, Jaccs Co stock appears to be undervalued.
The current stock price of 円3,730.00 is trading 1.4% below its estimated GF Value™ of 円3,782.98.
GuruFocus considers Jaccs Co to be Fairly Valued.
Key valuation signals for TSE:8584:
Debt-to-EBITDA: 56.41 (19% below median its 10-year median of 70.04)
GF Value™: 円3,782.98 vs. price of 円3,730.00 (1.4% below fair value)
Industry Position: 571.5% above the Credit Services median (#276 of 285)
No single metric tells the full story. See the TSE:8584 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Jaccs Co Ltd is a consumer finance company that operates in Japan and other parts of Asia. The company's main businesses are the credit business, the credit card business, and the financing business. The credit business offers loans for purchases and expenses such as vehicles, medical care, bridal, home renovation, jewelry, watches, and kimono. The credit card business issues credit cards under the Visa, MasterCard, and JCB brands and has nearly 7 million cardholders. The financing business offers bill collection services as well as credit guarantees for personal and housing loans extended by financial institutions.
54GF Score
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