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RCE Capital BhdXKLS:9296 -0.94%41 Debt-to-EBITDA is 11.36 as of Mar. 2026, which is 0% above its 10-year median of 11.31. GuruFocus rates XKLS:9296 with a GF Score™ of 41/100. The stock has 6 warning signs investors should review. Among 284 Credit Services companies, RCE Capital Bhd ranks worse than 58.8% 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 RCE Capital Bhd's Debt-to-EBITDA or its related term are showing as below:
XKLS:9296'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 9.82 Med: 11.31 Max: 13.63
Current: 11.95
During the past 13 years, the highest Debt-to-EBITDA Ratio of RCE Capital Bhd was 13.63. The lowest was 9.82. And the median was 11.31.
XKLS:9296's Debt-to-EBITDA is ranked worse than 58.8% of 284
companies
in the Credit Services industry
Industry Median: 9.055
vs XKLS:9296: 11.95
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.
RCE Capital Bhd Debt-to-EBITDA Related Terms
RCE Capital Bhd Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for RCE Capital 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:9296 vs V, MA, AXP: Debt-to-EBITDA Comparison
For the Credit Services subindustry, RCE Capital 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.
RCE Capital Bhd Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, RCE Capital Bhd's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where RCE Capital 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.
RCE Capital Bhd (XKLS:9296) has a Debt-to-EBITDA of 11.36 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 RCE Capital Bhd. This is near median its historical median of 11.31. Over the past decade, RCE Capital Bhd's Debt-to-EBITDA has ranged from 9.82 to 13.63. According to the industry distribution chart, RCE Capital Bhd ranks #167 out of 284 companies in the Credit Services industry, placing it in the top 58.8%.
Is RCE Capital Bhd's Debt-to-EBITDA too high?
RCE Capital Bhd's current Debt-to-EBITDA of 11.36 is near median its 10-year median of 11.31. Over the past 10 years, this metric has ranged from a low of 9.82 to a high of 13.63. The Credit Services industry median Debt-to-EBITDA is 9.06. RCE Capital Bhd's value of 11.36 is 25.5% above this industry median. Based on the distribution chart, RCE Capital Bhd ranks #167 out of 284 companies in the Credit Services industry, which is below the industry midpoint. Overall, RCE Capital Bhd has a GF Score™ of 41/100, reflecting its overall financial health beyond just this single metric.
How does RCE Capital Bhd's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, RCE Capital Bhd ranks #167 out of 284 companies for Debt-to-EBITDA. This places RCE Capital Bhd in the lower half of its industry. The industry median Debt-to-EBITDA is 9.06. RCE Capital Bhd's value of 11.36 is 25.5% above this benchmark. Historically, RCE Capital Bhd's own Debt-to-EBITDA has ranged from 9.82 to 13.63 over the past decade. While the company's 10-year median is 11.31 vs. the industry median of 9.06, RCE Capital Bhd 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 9.06, based on 284 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. RCE Capital Bhd's current Debt-to-EBITDA of 11.36 is 25.5% 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 RCE Capital Bhd. For the Credit Services industry, the median Debt-to-EBITDA is 9.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. RCE Capital Bhd's current Debt-to-EBITDA is 11.36, which is near median its own 10-year median of 11.31. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is RCE Capital Bhd stock overvalued right now?
RCE Capital Bhd (XKLS:9296) has a current Debt-to-EBITDA of 11.36. The current Debt-to-EBITDA is 11.36, which is near median its 10-year median of 11.31 and 25.5% above the Credit Services industry median of 9.06. RCE Capital Bhd's overall GF Score™ is 41/100 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 RCE Capital Bhd (XKLS:9296), the current Debt-to-EBITDA is 11.36 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.
RCE Capital Bhd is engaged in the business of investment holding and the provision of management services. Its core business operations include the delivery of shariah-compliant financing services to civil servants to generate sustainable returns for stakeholders. It is also engaged in other businesses such as the processing and administration of payroll collection, and providing financial administrative services.
41GF Score
Get the complete analysis for XKLS:9296
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