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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.
ADX:AWNIC'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.47 Med: 2.6 Max: 15.53
Current: 1.17
During the past 13 years, the highest Debt-to-EBITDA Ratio of Al Wathba National Insurance Co PJSC was 15.53. The lowest was 0.47. And the median was 2.60.
ADX:AWNIC's Debt-to-EBITDA is ranked better than 52.2% of 318
companies
in the Insurance industry
Industry Median: 1.26
vs ADX:AWNIC: 1.17
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.
Al Wathba National Insurance Co PJSC Debt-to-EBITDA Related Terms
Al Wathba National Insurance Co PJSC Debt-to-EBITDA Historical Data
* 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.
Al Wathba National Insurance Co PJSC Debt-to-EBITDA Chart
ADX:AWNIC vs CB, PGR, TRV: Debt-to-EBITDA Comparison
For the Insurance - Property & Casualty subindustry, Al Wathba National Insurance Co PJSC'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.
Al Wathba National Insurance Co PJSC Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Al Wathba National Insurance Co PJSC's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Al Wathba National Insurance Co PJSC'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 one times the quarterly (Dec. 2025) EBITDA data.
Al Wathba National Insurance Co PJSC (ADX:AWNIC) has a Debt-to-EBITDA of 1.17 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 Al Wathba National Insurance Co PJSC. This is 55% below median its historical median of 2.60. Over the past decade, Al Wathba National Insurance Co PJSC's Debt-to-EBITDA has ranged from 0.47 to 15.53. According to the industry distribution chart, Al Wathba National Insurance Co PJSC ranks #152 out of 318 companies in the Insurance industry, placing it in the top 47.8%.
Is Al Wathba National Insurance Co PJSC's Debt-to-EBITDA too high?
Al Wathba National Insurance Co PJSC's current Debt-to-EBITDA of 1.17 is 55% below median its 10-year median of 2.60. Over the past 10 years, this metric has ranged from a low of 0.47 to a high of 15.53. The Insurance industry median Debt-to-EBITDA is 1.26. Al Wathba National Insurance Co PJSC's value of 1.17 is 7.1% below this industry median. Based on the distribution chart, Al Wathba National Insurance Co PJSC ranks #152 out of 318 companies in the Insurance industry, which is above the industry midpoint. Overall, Al Wathba National Insurance Co PJSC has a GF Score™ of 69/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Al Wathba National Insurance Co PJSC's Debt-to-EBITDA compare to CB and PGR?
According to the Insurance industry distribution chart, Al Wathba National Insurance Co PJSC ranks #152 out of 318 companies for Debt-to-EBITDA. This puts Al Wathba National Insurance Co PJSC in the upper half of its industry. The industry median Debt-to-EBITDA is 1.26. Al Wathba National Insurance Co PJSC's value of 1.17 is 7.1% below this benchmark. Historically, Al Wathba National Insurance Co PJSC's own Debt-to-EBITDA has ranged from 0.47 to 15.53 over the past decade. While the company's 10-year median is 2.60 vs. the industry median of 1.26, Al Wathba National Insurance Co PJSC has consistently been below 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 1.26, based on 318 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. Al Wathba National Insurance Co PJSC's current Debt-to-EBITDA of 1.17 is 7.1% below 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 Al Wathba National Insurance Co PJSC. For the Insurance industry, the median Debt-to-EBITDA is 1.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Al Wathba National Insurance Co PJSC's current Debt-to-EBITDA is 1.17, which is 55% below median its own 10-year median of 2.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Al Wathba National Insurance Co PJSC stock overvalued right now?
Based on GuruFocus' analysis, Al Wathba National Insurance Co PJSC (ADX:AWNIC) is currently considered Significantly Undervalued. The stock's GF Value™ is د.إ7.52, compared to a current price of د.إ3.26 — trading 56.6% below its estimated fair value. The current Debt-to-EBITDA is 1.17, which is 55% below median its 10-year median of 2.60 and 7.1% below the Insurance industry median of 1.26. Al Wathba National Insurance Co PJSC's overall GF Score™ is 69/100 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 Al Wathba National Insurance Co PJSC (ADX:AWNIC), the current Debt-to-EBITDA is 1.17 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 Al Wathba National Insurance Co PJSC (ADX:AWNIC) Overvalued in 2026?
Based on GuruFocus' analysis, Al Wathba National Insurance Co PJSC stock appears to be undervalued.
The current stock price of د.إ3.26 is trading 56.6% below its estimated GF Value™ of د.إ7.52.
GuruFocus considers Al Wathba National Insurance Co PJSC to be Significantly Undervalued.
Key valuation signals for ADX:AWNIC:
Debt-to-EBITDA: 1.17 (55% below median its 10-year median of 2.60)
GF Value™: د.إ7.52 vs. price of د.إ3.26 (56.6% below fair value)
Industry Position: 7.1% below the Insurance median (#152 of 318)
No single metric tells the full story. See the ADX:AWNIC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AddressMohammed Bin Butti Al Hamed Street, Najda Street, Al Wathba Tower, 9th Street Behind Nissan Showroom, Al Danah - E11, P.O Box: 45154, Abu Dhabi, ARE
Al Wathba National Insurance Co PJSC is principally engaged in underwriting general insurance across all classes, offering a comprehensive multiple products and services for both individual and corporate customers in the UAE. Its individual services include cyber, motor, visit visa, travel, home, and yacht insurance, protecting against various personal risks and financial losses. For corporate clients, the Company offers insurance solutions such as fire and general accident, engineering, oil and energy, marine and aviation, and fleet insurance. The Group's reportable operating segments comprise Motor (which generates the majority of revenue), Health, General Insurance (including property, fire, engineering, energy, liability, marine cargo, and marine hull), and Investments.
69GF Score
Get the complete analysis for ADX:AWNIC
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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