Makati FinancePHS:MFIN -4.84%57 Net Debt Paydown Yield % is 11.75% as of Jul. 01, 2026, which is 62% above its 10-year median of 7.25. GuruFocus rates PHS:MFIN with a GF Score™ of 57/100 and a GF Value™ of ₱1.93 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 468 Credit Services companies, Makati Finance ranks better than 83.12% on this metric.
Net Debt Paydown Yield % is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. It is a measure of a company's willingness and ability to reduce its debt.
As of today, Makati Finance's Net Debt Paydown Yield % was 11.75%.
Makati Finance (PHS:MFIN) Net Debt Paydown Yield % Explanation
Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced. In other words, it is a measure of the willingness and ability of a firm's management to pay down debt. Companies that have high debt paydown yields indicate that they are more aggressive with paying down debt.
In the calculation of Net Debt Paydown Yield %, we use the reductions of TTM average total debt one-year-ago and TTM average total debt at present, divided by its Market Cap.
Makati Finance Net Debt Paydown Yield % Related Terms
Makati Finance Net Debt Paydown Yield % Historical Data
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The historical data trend for Makati Finance's Net Debt Paydown Yield % 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.
PHS:MFIN vs V, MA, AXP: Net Debt Paydown Yield % Comparison
For the Credit Services subindustry, Makati Finance's Net Debt Paydown Yield %, along with its competitors' market caps and Net Debt Paydown Yield % 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 Net Debt Paydown Yield % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Makati Finance's Net Debt Paydown Yield % distribution charts can be found below:
* The bar in red indicates where Makati Finance's Net Debt Paydown Yield % 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.
* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Net Debt Paydown Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.
What does a Net Debt Paydown Yield % of 11.75% mean?
Makati Finance (PHS:MFIN) has a Net Debt Paydown Yield % of 11.75% as of Jul. 01, 2026. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Makati Finance and its competitors. This is 62% above median its historical median of 7.25. According to the industry distribution chart, Makati Finance ranks #79 out of 468 companies in the Credit Services industry, placing it in the top 16.9%.
Is Makati Finance's Net Debt Paydown Yield % too high?
Makati Finance's current Net Debt Paydown Yield % of 11.75% is 62% above median its 10-year median of 7.25. Based on the distribution chart, Makati Finance ranks #79 out of 468 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 57/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Makati Finance's Net Debt Paydown Yield % compare to V and MA?
According to the Credit Services industry distribution chart, Makati Finance ranks #79 out of 468 companies for Net Debt Paydown Yield %. This places Makati Finance in the top 17% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Debt Paydown Yield % for a Credit Services company?
A good Net Debt Paydown Yield % depends on the Credit Services industry context. However, Net Debt Paydown Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Debt Paydown Yield % mean?
A high Net Debt Paydown Yield % can signal that a stock is expensive relative to its fundamentals. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Makati Finance and its competitors. Makati Finance's current Net Debt Paydown Yield % is 11.75%, which is 62% above median its own 10-year median of 7.25. 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 Modestly Overvalued. The stock's GF Value™ is ₱1.93, compared to a current price of ₱2.36 — trading 22.3% above its estimated fair value. The current Net Debt Paydown Yield % is 11.75%, which is 62% above median its 10-year median of 7.25. Makati Finance's overall GF Score™ is 57/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Debt Paydown Yield % calculated?
Net Debt Paydown Yield % is calculated from a company's financial statements. For Makati Finance (PHS:MFIN), the current Net Debt Paydown Yield % is 11.75% as of Jul. 01, 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 22.3% above its estimated GF Value™ of ₱1.93.
GuruFocus considers Makati Finance to be Modestly Overvalued.
Key valuation signals for PHS:MFIN:
Net Debt Paydown Yield %: 11.75% (62% above median its 10-year median of 7.25)
GF Value™: ₱1.93 vs. price of ₱2.36 (22.3% above fair value)
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.
57GF Score
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Net Debt Paydown Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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