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OrientTSE:8585 -0.45%51 Debt-to-EBITDA is 22.39 as of Mar. 2026, which is 38% below its 10-year median of 36.18. GuruFocus rates TSE:8585 with a GF Score™ of 51/100 and a GF Value™ of 円1,065.82 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 282 Credit Services companies, Orient ranks worse than 96.1% 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 Orient's Debt-to-EBITDA or its related term are showing as below:
TSE:8585'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 26.79 Med: 36.18 Max: 66.53
Current: 66.53
During the past 13 years, the highest Debt-to-EBITDA Ratio of Orient was 66.53. The lowest was 26.79. And the median was 36.18.
TSE:8585's Debt-to-EBITDA is ranked worse than 96.1% of 282
companies
in the Credit Services industry
Industry Median: 8.565
vs TSE:8585: 66.53
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.
Orient Debt-to-EBITDA Related Terms
Orient Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Orient'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, Orient'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.
Orient Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Orient's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Orient'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.
Orient (TSE:8585) has a Debt-to-EBITDA of 22.39 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 Orient. This is 38% below median its historical median of 36.18. Over the past decade, Orient's Debt-to-EBITDA has ranged from 26.79 to 66.53. According to the industry distribution chart, Orient ranks #271 out of 282 companies in the Credit Services industry, placing it in the top 96.1%.
Is Orient's Debt-to-EBITDA too high?
Orient's current Debt-to-EBITDA of 22.39 is 38% below median its 10-year median of 36.18. Over the past 10 years, this metric has ranged from a low of 26.79 to a high of 66.53. The Credit Services industry median Debt-to-EBITDA is 8.57. Orient's value of 22.39 is 161.4% above this industry median. Based on the distribution chart, Orient ranks #271 out of 282 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Orient has a GF Score™ of 51/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Orient's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Orient ranks #271 out of 282 companies for Debt-to-EBITDA. This places Orient in the lower half of its industry. The industry median Debt-to-EBITDA is 8.57. Orient's value of 22.39 is 161.4% above this benchmark. Historically, Orient's own Debt-to-EBITDA has ranged from 26.79 to 66.53 over the past decade. While the company's 10-year median is 36.18 vs. the industry median of 8.57, Orient 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 8.57, based on 282 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. Orient's current Debt-to-EBITDA of 22.39 is 161.4% 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 Orient. For the Credit Services industry, the median Debt-to-EBITDA is 8.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Orient's current Debt-to-EBITDA is 22.39, which is 38% below median its own 10-year median of 36.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Orient stock overvalued right now?
Based on GuruFocus' analysis, Orient (TSE:8585) is currently considered Modestly Undervalued. The stock's GF Value™ is 円1,065.82, compared to a current price of 円881.00 — trading 17.3% below its estimated fair value. The current Debt-to-EBITDA is 22.39, which is 38% below median its 10-year median of 36.18 and 161.4% above the Credit Services industry median of 8.57. Orient's overall GF Score™ is 51/100 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 Orient (TSE:8585), the current Debt-to-EBITDA is 22.39 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 Orient (TSE:8585) Overvalued in 2026?
Based on GuruFocus' analysis, Orient stock appears to be undervalued.
The current stock price of 円881.00 is trading 17.3% below its estimated GF Value™ of 円1,065.82.
GuruFocus considers Orient to be Modestly Undervalued.
Key valuation signals for TSE:8585:
Debt-to-EBITDA: 22.39 (38% below median its 10-year median of 36.18)
GF Value™: 円1,065.82 vs. price of 円881.00 (17.3% below fair value)
Industry Position: 161.4% above the Credit Services median (#271 of 282)
No single metric tells the full story. See the TSE:8585 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Orient Corp or Orico is a consumer finance company. The company provides installment credit services, credit cards and direct cash loan services, and bank loan guarantee services through a network of branches and member merchants spread throughout Japan. The company's strategy focuses on growing its installment credit business and forming joint ventures outside of Japan. The company's largest sources of revenue include both auto loans and bank loan guarantees. Its largest portion of earning assets is guaranteed loan receivables.
51GF Score
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