Star Money PCL (BKK:SM) Debt-to-EBITDA : 11.38 (As of Mar. 2024)

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What is Star Money PCL Debt-to-EBITDA?

Debt-to-EBITDA measures a company's ability to pay off its debt.

Star Money PCL's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2024 was ฿1,419 Mil. Star Money PCL's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2024 was ฿286 Mil. Star Money PCL's annualized EBITDA for the quarter that ended in Mar. 2024 was ฿150 Mil. Star Money PCL's annualized Debt-to-EBITDA for the quarter that ended in Mar. 2024 was 11.38.

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 Star Money PCL's Debt-to-EBITDA or its related term are showing as below:

BKK:SM' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 8.95 Med: 11.86 Max: 14.96
Current: 11.86

During the past 4 years, the highest Debt-to-EBITDA Ratio of Star Money PCL was 14.96. The lowest was 8.95. And the median was 11.86.

BKK:SM's Debt-to-EBITDA is ranked worse than
61.24% of 258 companies
in the Credit Services industry
Industry Median: 7.625 vs BKK:SM: 11.86

Star Money PCL Debt-to-EBITDA Historical Data

The historical data trend for Star Money PCL'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.

* Premium members only.

Star Money PCL Debt-to-EBITDA Chart

Star Money PCL Annual Data

Trend

Dec20

Dec21

Dec22

Dec23

Debt-to-EBITDA

14.96

8.95

11.89

11.84

Star Money PCL Quarterly Data
	Dec20	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24
Debt-to-EBITDA	Get a 7-Day Free Trial							10.62	8.46	8.92	23.03	11.38

Competitive Comparison of Star Money PCL's Debt-to-EBITDA

For the Credit Services subindustry, Star Money PCL'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.

Star Money PCL's Debt-to-EBITDA Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, Star Money PCL's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where Star Money PCL's Debt-to-EBITDA falls into.

Star Money PCL Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

Star Money PCL's Debt-to-EBITDA for the fiscal year that ended in Dec. 2023 is calculated as

Debt-to-EBITDA	=	Total Debt			/	EBITDA
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	EBITDA
	=	(1411.28	+	273.253)	/	142.253
	=	11.84

Star Money PCL's annualized Debt-to-EBITDA for the quarter that ended in Mar. 2024 is calculated as

Debt-to-EBITDA	=	Total Debt			/	EBITDA
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	EBITDA
	=	(1418.867	+	286.404)	/	149.82
	=	11.38

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. 2024) EBITDA data.

Star Money PCL (BKK:SM) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.

Be Aware

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.

Star Money PCL Debt-to-EBITDA Related Terms

Thank you for viewing the detailed overview of Star Money PCL's Debt-to-EBITDA provided by GuruFocus.com. Please click on the following links to see related term pages.

Star Money PCL (BKK:SM) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Credit Services » Star Money PCL (BKK:SM) » Definitions » Debt-to-EBITDA

Comparable Companies

Traded in Other Exchanges

N/A

Address

204/1-8 Sukhumwit Road, Thang Kwian Sub district, Klaeng District, Rayong, THA, 21110

Website

https://www.starmoney.co.th

Star Money PCL is an electrical appliance distributor of all sizes and a credit provider with mortgage securities in various types: a loan for a car, motorcycle, bus, truck, and agricultural vehicle and a home loan or land loan. it has four reportable segments as follows: Sales, Hire purchase, Lending business, and Others. The majority of its revenue is derived from the Sales segment.