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ELK-Desa Resources BhdXKLS:5228 83 Debt-to-EBITDA is 4.12 as of Mar. 2026, which is 30% above its 10-year median of 3.18. GuruFocus rates XKLS:5228 with a GF Score™ of 83/100 and a GF Value™ of RM1.42 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 285 Credit Services companies, ELK-Desa Resources Bhd ranks better than 68.07% 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 ELK-Desa Resources Bhd's Debt-to-EBITDA or its related term are showing as below:
XKLS:5228'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.84 Med: 3.18 Max: 5.59
Current: 4.26
During the past 13 years, the highest Debt-to-EBITDA Ratio of ELK-Desa Resources Bhd was 5.59. The lowest was 0.84. And the median was 3.18.
XKLS:5228's Debt-to-EBITDA is ranked better than 68.07% of 285
companies
in the Credit Services industry
Industry Median: 9
vs XKLS:5228: 4.26
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.
ELK-Desa Resources Bhd Debt-to-EBITDA Related Terms
ELK-Desa Resources Bhd Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for ELK-Desa Resources Bhd'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.
XKLS:5228 vs V, MA, AXP: Debt-to-EBITDA Comparison
For the Credit Services subindustry, ELK-Desa Resources Bhd'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.
ELK-Desa Resources Bhd Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ELK-Desa Resources Bhd's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where ELK-Desa Resources Bhd'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.
ELK-Desa Resources Bhd (XKLS:5228) has a Debt-to-EBITDA of 4.12 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 ELK-Desa Resources Bhd. This is 30% above median its historical median of 3.18. Over the past decade, ELK-Desa Resources Bhd's Debt-to-EBITDA has ranged from 0.84 to 5.59. According to the industry distribution chart, ELK-Desa Resources Bhd ranks #91 out of 285 companies in the Credit Services industry, placing it in the top 31.9%.
Is ELK-Desa Resources Bhd's Debt-to-EBITDA too high?
ELK-Desa Resources Bhd's current Debt-to-EBITDA of 4.12 is 30% above median its 10-year median of 3.18. Over the past 10 years, this metric has ranged from a low of 0.84 to a high of 5.59. The Credit Services industry median Debt-to-EBITDA is 9.00. ELK-Desa Resources Bhd's value of 4.12 is 54.2% below this industry median. Based on the distribution chart, ELK-Desa Resources Bhd ranks #91 out of 285 companies in the Credit Services industry, which is above the industry midpoint. Overall, ELK-Desa Resources Bhd has a GF Score™ of 83/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does ELK-Desa Resources Bhd's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, ELK-Desa Resources Bhd ranks #91 out of 285 companies for Debt-to-EBITDA. This puts ELK-Desa Resources Bhd in the upper half of its industry. The industry median Debt-to-EBITDA is 9.00. ELK-Desa Resources Bhd's value of 4.12 is 54.2% below this benchmark. Historically, ELK-Desa Resources Bhd's own Debt-to-EBITDA has ranged from 0.84 to 5.59 over the past decade. While the company's 10-year median is 3.18 vs. the industry median of 9.00, ELK-Desa Resources Bhd 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 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. ELK-Desa Resources Bhd's current Debt-to-EBITDA of 4.12 is 54.2% 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 ELK-Desa Resources Bhd. 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. ELK-Desa Resources Bhd's current Debt-to-EBITDA is 4.12, which is 30% above median its own 10-year median of 3.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ELK-Desa Resources Bhd stock overvalued right now?
Based on GuruFocus' analysis, ELK-Desa Resources Bhd (XKLS:5228) is currently considered Modestly Undervalued. The stock's GF Value™ is RM1.42, compared to a current price of RM1.02 — trading 28.2% below its estimated fair value. The current Debt-to-EBITDA is 4.12, which is 30% above median its 10-year median of 3.18 and 54.2% below the Credit Services industry median of 9.00. ELK-Desa Resources Bhd's overall GF Score™ is 83/100 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 ELK-Desa Resources Bhd (XKLS:5228), the current Debt-to-EBITDA is 4.12 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 ELK-Desa Resources Bhd (XKLS:5228) Overvalued in 2026?
Based on GuruFocus' analysis, ELK-Desa Resources Bhd stock appears to be undervalued.
The current stock price of RM1.02 is trading 28.2% below its estimated GF Value™ of RM1.42.
GuruFocus considers ELK-Desa Resources Bhd to be Modestly Undervalued.
Key valuation signals for XKLS:5228:
Debt-to-EBITDA: 4.12 (30% above median its 10-year median of 3.18)
GF Value™: RM1.42 vs. price of RM1.02 (28.2% below fair value)
Industry Position: 54.2% below the Credit Services median (#91 of 285)
No single metric tells the full story. See the XKLS:5228 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
ELK-Desa Resources Bhd is a Malaysian company investment holding company. The company's business segments are Hire-purchase financing and other integrated services and the Trading of furniture. The Hire-purchase financing and other integrated services segment is involved in the business of hire-purchase financing for used motor vehicles as well as selling general insurance policies as an insurance agent and the Trading of furniture segment is involved in the business of trading, export, wholesaling, and manufacturing of furniture. The company earns the majority of its revenue from hire-purchase financing.
83GF Score
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