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Makati FinancePHS:MFIN 48 3-Year EBITDA Growth Rate is 155.10% as of Mar. 2026, which is 779% above its 10-year median of 17.65. GuruFocus rates PHS:MFIN with a GF Score™ of 48/100 and a GF Value™ of ₱1.66 (Significantly Overvalued). The stock has 9 warning signs investors should review. Among 316 Credit Services companies, Makati Finance ranks better than 96.2% on this metric.
During the past 12 months, Makati Finance's average EBITDA Per Share Growth Rate was 287.50% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 155.10% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
During the past 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of Makati Finance was 155.10% per year. The lowest was -67.10% per year. And the median was 17.65% per year.
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
Makati Finance 3-Year EBITDA Growth Rate Related Terms
PHS:MFIN vs V, MA, AXP: 3-Year EBITDA Growth Rate Comparison
For the Credit Services subindustry, Makati Finance's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA Growth Rate 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.
Makati Finance 3-Year EBITDA Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Makati Finance's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where Makati Finance's 3-Year EBITDA Growth Rate falls into.
This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 155.10% mean?
Makati Finance (PHS:MFIN) has a 3-Year EBITDA Growth Rate of 155.10% as of Mar. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Makati Finance and its competitors. This is 779% above median its historical median of 17.65. According to the industry distribution chart, Makati Finance ranks #12 out of 316 companies in the Credit Services industry, placing it in the top 3.8%.
Is Makati Finance's 3-Year EBITDA Growth Rate too high?
Makati Finance's current 3-Year EBITDA Growth Rate of 155.10% is 779% above median its 10-year median of 17.65. The Credit Services industry median 3-Year EBITDA Growth Rate is 9.15. Makati Finance's value of 155.10% is 1595.1% above this industry median. Based on the distribution chart, Makati Finance ranks #12 out of 316 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Makati Finance has a GF Score™ of 48/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Makati Finance's 3-Year EBITDA Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, Makati Finance ranks #12 out of 316 companies for 3-Year EBITDA Growth Rate. This places Makati Finance in the top 4% of its industry — outperforming the majority of peers. The industry median 3-Year EBITDA Growth Rate is 9.15. Makati Finance's value of 155.10% is 1595.1% above this benchmark. While the company's 10-year median is 17.65 vs. the industry median of 9.15, Makati Finance 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 3-Year EBITDA Growth Rate for a Credit Services company?
The median 3-Year EBITDA Growth Rate among Credit Services companies is 9.15, based on 316 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Makati Finance's current 3-Year EBITDA Growth Rate of 155.10% is 1595.1% 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 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Makati Finance and its competitors. For the Credit Services industry, the median 3-Year EBITDA Growth Rate is 9.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Makati Finance's current 3-Year EBITDA Growth Rate is 155.10%, which is 779% above median its own 10-year median of 17.65. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Makati Finance stock overvalued right now?
Based on GuruFocus' analysis, Makati Finance (PHS:MFIN) is currently considered Significantly Overvalued. The stock's GF Value™ is ₱1.66, compared to a current price of ₱2.36 — trading 42.2% above its estimated fair value. The current 3-Year EBITDA Growth Rate is 155.10%, which is 779% above median its 10-year median of 17.65 and 1595.1% above the Credit Services industry median of 9.15. Makati Finance's overall GF Score™ is 48/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For Makati Finance (PHS:MFIN), the current 3-Year EBITDA Growth Rate is 155.10% 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 Makati Finance (PHS:MFIN) Overvalued in 2026?
Based on GuruFocus' analysis, Makati Finance stock appears to be overvalued.
The current stock price of ₱2.36 is trading 42.2% above its estimated GF Value™ of ₱1.66.
GuruFocus considers Makati Finance to be Significantly Overvalued.
Key valuation signals for PHS:MFIN:
3-Year EBITDA Growth Rate: 155.10% (779% above median its 10-year median of 17.65)
GF Value™: ₱1.66 vs. price of ₱2.36 (42.2% above fair value)
Industry Position: 1595.1% above the Credit Services median (#12 of 316)
No single metric tells the full story. See the PHS:MFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Makati Finance Corp provides financial services and advisory to its clients. It is engaged in stock dealership functions, credit line extensions, and acceptance of private placements. It has expanded its product lines from its traditional Rx Cashline, MFC Factors (receivables financing) Business Loans; Motorcycle Financing to include new financial products lines recently introduced by the company namely: corporate salary loans; personal loans; micro business loans; pension loans; car loans and leisure bikes financing. Its segments include Rx Cashline Group; Business Loans, Motor Vehicles Financing Group, Car Loans, and Other Segments. It derives revenue from Business Loans which grants loans to finance business owners who wish to expand its business or for the purpose of starting capital.
48GF Score
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3-Year EBITDA Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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