Makati FinancePHS:MFIN 49 EV-to-EBITDA is 60.58 as of Jul. 11, 2026, which is 53% above its 10-year median of 39.64. GuruFocus rates PHS:MFIN with a GF Score™ of 49/100 and a GF Value™ of ₱1.66 (Significantly Overvalued). The stock has 9 warning signs investors should review. Among 325 Credit Services companies, Makati Finance ranks worse than 84% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Makati Finance's enterprise value is ₱1,038.5 Mil.
Makati Finance's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was ₱17.1 Mil. Therefore, Makati Finance's EV-to-EBITDA for today is 60.58.
The historical rank and industry rank for Makati Finance's EV-to-EBITDA or its related term are showing as below:
PHS:MFIN'
s EV-to-EBITDA Range Over the Past 10 Years
Min: -1199.3 Med: 39.64 Max: 1064.92
Current: 60.58
During the past 13 years, the highest EV-to-EBITDA of Makati Finance was 1064.92. The lowest was -1199.30. And the median was 39.64.
PHS:MFIN's EV-to-EBITDA is ranked worse than 84% of 325
companies
in the Credit Services industry
Industry Median: 22.26
vs PHS:MFIN: 60.58
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Makati Finance's PE Ratio (TTM) for today is calculated as:
Makati Finance's share price for today is ₱2.36.
Makati Finance's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₱-0.220.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for Makati Finance's EV-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, Makati Finance's EV-to-EBITDA, along with its competitors' market caps and EV-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.
Makati Finance EV-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Makati Finance's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Makati Finance's EV-to-EBITDA falls into.
Makati Finance's current Enterprise Value is ₱1,038.5 Mil.
Makati Finance's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₱17.1 Mil.
* 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.
Makati Finance (PHS:MFIN) has a EV-to-EBITDA of 60.58 as of Jul. 11, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Makati Finance. This is 53% above median its historical median of 39.64. According to the industry distribution chart, Makati Finance ranks #273 out of 325 companies in the Credit Services industry, placing it in the top 84%.
Is Makati Finance's EV-to-EBITDA too high?
Makati Finance's current EV-to-EBITDA of 60.58 is 53% above median its 10-year median of 39.64. The Credit Services industry median EV-to-EBITDA is 22.26. Makati Finance's value of 60.58 is 172.1% above this industry median. Based on the distribution chart, Makati Finance ranks #273 out of 325 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Makati Finance has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Makati Finance's EV-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Makati Finance ranks #273 out of 325 companies for EV-to-EBITDA. This places Makati Finance in the lower half of its industry. The industry median EV-to-EBITDA is 22.26. Makati Finance's value of 60.58 is 172.1% above this benchmark. While the company's 10-year median is 39.64 vs. the industry median of 22.26, 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 EV-to-EBITDA for a Credit Services company?
The median EV-to-EBITDA among Credit Services companies is 22.26, based on 325 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Makati Finance's current EV-to-EBITDA of 60.58 is 172.1% 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 EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Makati Finance. For the Credit Services industry, the median EV-to-EBITDA is 22.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Makati Finance's current EV-to-EBITDA is 60.58, which is 53% above median its own 10-year median of 39.64. 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 EV-to-EBITDA is 60.58, which is 53% above median its 10-year median of 39.64 and 172.1% above the Credit Services industry median of 22.26. Makati Finance's overall GF Score™ is 49/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Makati Finance (PHS:MFIN), the current EV-to-EBITDA is 60.58 as of Jul. 11, 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:
EV-to-EBITDA: 60.58 (53% above median its 10-year median of 39.64)
GF Value™: ₱1.66 vs. price of ₱2.36 (42.2% above fair value)
Industry Position: 172.1% above the Credit Services median (#273 of 325)
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.
49GF Score
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EV-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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