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AIA GroupAAIGF +0.38%56 Debt-to-EBITDA is 1.57 as of Dec. 2025, which is 40% above its 10-year median of 1.12. GuruFocus rates AAIGF with a GF Score™ of 56/100 and a GF Value™ of $9.48 (Fairly Valued). The stock has 2 warning signs investors should review. Among 320 Insurance companies, AIA Group ranks worse than 63.13% 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 AIA Group's Debt-to-EBITDA or its related term are showing as below:
AAIGF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.53 Med: 1.12 Max: 2.42
Current: 1.75
During the past 13 years, the highest Debt-to-EBITDA Ratio of AIA Group was 2.42. The lowest was 0.53. And the median was 1.12.
AAIGF's Debt-to-EBITDA is ranked worse than 63.13% of 320
companies
in the Insurance industry
Industry Median: 1.19
vs AAIGF: 1.75
AIA Group (OTCPK:AAIGF) Debt-to-EBITDA Explanation
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.
AIA Group Debt-to-EBITDA Related Terms
AIA Group Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for AIA Group'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.
For the Insurance - Life subindustry, AIA Group'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.
AIA Group Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, AIA Group's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where AIA Group'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 two times the quarterly (Dec. 2025) EBITDA data.
AIA Group (AAIGF) has a Debt-to-EBITDA of 1.57 as of Dec. 2025. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on AIA Group. This is 40% above median its historical median of 1.12. Over the past decade, AIA Group's Debt-to-EBITDA has ranged from 0.53 to 2.42. According to the industry distribution chart, AIA Group ranks #202 out of 320 companies in the Insurance industry, placing it in the top 63.1%.
Is AIA Group's Debt-to-EBITDA too high?
AIA Group's current Debt-to-EBITDA of 1.57 is 40% above median its 10-year median of 1.12. Over the past 10 years, this metric has ranged from a low of 0.53 to a high of 2.42. The Insurance industry median Debt-to-EBITDA is 1.19. AIA Group's value of 1.57 is 31.9% above this industry median. Based on the distribution chart, AIA Group ranks #202 out of 320 companies in the Insurance industry, which is below the industry midpoint. Overall, AIA Group has a GF Score™ of 56/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does AIA Group's Debt-to-EBITDA compare to AFL and MET?
According to the Insurance industry distribution chart, AIA Group ranks #202 out of 320 companies for Debt-to-EBITDA. This places AIA Group in the lower half of its industry. The industry median Debt-to-EBITDA is 1.19. AIA Group's value of 1.57 is 31.9% above this benchmark. Historically, AIA Group's own Debt-to-EBITDA has ranged from 0.53 to 2.42 over the past decade. While the company's 10-year median is 1.12 vs. the industry median of 1.19, AIA Group 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 an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.19, based on 320 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. AIA Group's current Debt-to-EBITDA of 1.57 is 31.9% 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 AIA Group. For the Insurance industry, the median Debt-to-EBITDA is 1.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AIA Group's current Debt-to-EBITDA is 1.57, which is 40% above median its own 10-year median of 1.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AIA Group stock overvalued right now?
Based on GuruFocus' analysis, AIA Group (AAIGF) is currently considered Fairly Valued. The stock's GF Value™ is $9.48, compared to a current price of $10.04 — trading 5.9% above its estimated fair value. The current Debt-to-EBITDA is 1.57, which is 40% above median its 10-year median of 1.12 and 31.9% above the Insurance industry median of 1.19. AIA Group's overall GF Score™ is 56/100 with 2 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 AIA Group (AAIGF), the current Debt-to-EBITDA is 1.57 as of Dec. 2025. 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 AIA Group (AAIGF) Overvalued in 2026?
Based on GuruFocus' analysis, AIA Group stock appears to be overvalued.
The current stock price of $10.04 is trading 5.9% above its estimated GF Value™ of $9.48.
GuruFocus considers AIA Group to be Fairly Valued.
Key valuation signals for AAIGF:
Debt-to-EBITDA: 1.57 (40% above median its 10-year median of 1.12)
GF Value™: $9.48 vs. price of $10.04 (5.9% above fair value)
Industry Position: 31.9% above the Insurance median (#202 of 320)
No single metric tells the full story. See the AAIGF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Headquartered in Hong Kong, AIA stands as one of the largest pan-Asian life insurance providers, offering a diversified portfolio of products spanning retirement savings plans, life insurance, and accident and health coverage. Formerly a subsidiary of American International Group, the company spun off and listed independently on the Hong Kong Stock Exchange in 2010. Beyond individual customers, AIA also delivers employee benefits, credit life, and pension services to corporate clients. With operations across 18 markets, the insurer serves more than 30 million individual policyholders and over 16 million members participating in group insurance schemes.
56GF Score
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