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Timbercreek Financial (TSX:TF) Debt-to-EBITDA : 26.82 (As of Dec. 2024)


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What is Timbercreek Financial Debt-to-EBITDA?

Debt-to-EBITDA measures a company's ability to pay off its debt.

Timbercreek Financial's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2024 was C$1.6 Mil. Timbercreek Financial's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2024 was C$535.7 Mil. Timbercreek Financial's annualized EBITDA for the quarter that ended in Dec. 2024 was C$20.0 Mil. Timbercreek Financial's annualized Debt-to-EBITDA for the quarter that ended in Dec. 2024 was 26.82.

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 Timbercreek Financial's Debt-to-EBITDA or its related term are showing as below:

TSX:TF' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 2.82   Med: 9.33   Max: 14.28
Current: 9.56

During the past 13 years, the highest Debt-to-EBITDA Ratio of Timbercreek Financial was 14.28. The lowest was 2.82. And the median was 9.33.

TSX:TF's Debt-to-EBITDA is ranked better than
57.58% of 33 companies
in the Banks industry
Industry Median: 12.19 vs TSX:TF: 9.56

Timbercreek Financial Debt-to-EBITDA Historical Data

The historical data trend for Timbercreek Financial'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.

* Premium members only.

Timbercreek Financial Debt-to-EBITDA Chart

Timbercreek Financial Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Debt-to-EBITDA
Get a 7-Day Free Trial Premium Member Only Premium Member Only 14.28 12.23 9.11 5.34 9.56

Timbercreek Financial Quarterly Data
Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24
Debt-to-EBITDA Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 5.84 6.57 6.22 6.96 26.82

Competitive Comparison of Timbercreek Financial's Debt-to-EBITDA

For the Mortgage Finance subindustry, Timbercreek Financial'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.


Timbercreek Financial's Debt-to-EBITDA Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Timbercreek Financial's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where Timbercreek Financial's Debt-to-EBITDA falls into.


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Timbercreek Financial Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

Timbercreek Financial's Debt-to-EBITDA for the fiscal year that ended in Dec. 2024 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(1.612 + 535.659) / 56.188
=9.56

Timbercreek Financial's annualized Debt-to-EBITDA for the quarter that ended in Dec. 2024 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(1.612 + 535.659) / 20.032
=26.82

* 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 (Dec. 2024) EBITDA data.


Timbercreek Financial  (TSX:TF) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.


Be Aware

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.


Timbercreek Financial Debt-to-EBITDA Related Terms

Thank you for viewing the detailed overview of Timbercreek Financial's Debt-to-EBITDA provided by GuruFocus.com. Please click on the following links to see related term pages.


Timbercreek Financial Business Description

Traded in Other Exchanges
Address
25 Price Street, Toronto, ON, CAN, M4W 1Z1
Timbercreek Financial Corp is a Canada-based non-banking commercial real estate lender. The company provides shorter-duration, customized financing solutions to professional real estate investors. It invests directly in a diversified portfolio of structured mortgage loans predominantly secured by stabilized, income-producing commercial real estates, such as multi-residential, office and retail buildings located in urban markets across Canada. The company's objective is to preserve investor capital and provide risk adjusted returns by lending mainly against income producing real estate, mitigate concentration risk by diversifying geographically by asset type and borrower and ensure loan to value ratios.
Executives
Robert Blair Tamblyn Director, Director or Senior Officer of Insider or Subsidiary (other than in 4,5,6), Senior Officer
Deborah Wallis Robinson Director
Tracy Lee Johnston Senior Officer
Ugo Bizzarri Director or Senior Officer of Insider or Subsidiary (other than in 4,5,6)
Tami Holdings Inc. Subsidiary
Cameron Goodnough Director or Senior Officer of Insider or Subsidiary (other than in 4,5,6)
Derek John Watchorn Director
Scott Rowland Director, Director or Senior Officer of Insider or Subsidiary (other than in 4,5,6), Senior Officer

Timbercreek Financial Headlines

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