Union Insurance Co (ADX:UNION) Debt-to-EBITDA : N/A (As of Mar. 2026)

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ADX:UNION Union Insurance Co ADX:UNION
51 GF Score
Price د.إ1.37
GF Value د.إ1.22
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Union Insurance Co Debt-to-EBITDA?

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

Union Insurance Co's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2026 was د.إ0.0 Mil. Union Insurance Co's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2026 was د.إ2.9 Mil. Union Insurance Co's annualized EBITDA for the quarter that ended in Mar. 2026 was د.إ0.0 Mil.

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 Union Insurance Co's Debt-to-EBITDA or its related term are showing as below:

ADX:UNION's Debt-to-EBITDA is not ranked *
in the Insurance industry.
Industry Median: 1.185
* Ranked among companies with meaningful Debt-to-EBITDA only.

Union Insurance Co  (ADX:UNION) 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.


Union Insurance Co Debt-to-EBITDA Related Terms


Union Insurance Co Debt-to-EBITDA Historical Data

* Premium members only.

The historical data trend for Union Insurance Co'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.

Union Insurance Co Debt-to-EBITDA Chart

Union Insurance Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-EBITDA
Get a 7-Day Free Trial Premium Member Only Premium Member Only N/A N/A N/A N/A N/A

Union Insurance Co Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Debt-to-EBITDA Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only N/A N/A N/A N/A N/A

ADX:UNION vs BRK.A, AIG, HIG: Debt-to-EBITDA Comparison

For the Insurance - Diversified subindustry, Union Insurance Co'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.


Union Insurance Co Debt-to-EBITDA vs Insurance Industry

For the Insurance industry and Financial Services sector, Union Insurance Co's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where Union Insurance Co's Debt-to-EBITDA falls into.


ADX:UNION
51GF Score
Union Insurance Co ADX:UNION
Debt-to-EBITDA is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Union Insurance Co Debt-to-EBITDA Calculation

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

Union Insurance Co's Debt-to-EBITDA for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(1.53 + 1.641) / N/A
=N/A

Union Insurance Co's annualized Debt-to-EBITDA for the quarter that ended in Mar. 2026 is calculated as

* 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 four times the quarterly (Mar. 2026) EBITDA data.

Is Union Insurance Co (ADX:UNION) Overvalued in 2026?

Based on GuruFocus' analysis, Union Insurance Co stock appears to be overvalued. The current stock price of د.إ1.37 is trading 12.3% above its estimated GF Value™ of د.إ1.22. GuruFocus considers Union Insurance Co to be Modestly Overvalued.

Key valuation signals for ADX:UNION:

  • Debt-to-EBITDA: N/A
  • GF Value™: د.إ1.22 vs. price of د.إ1.37 (12.3% above fair value)
  • GF Score™: 51/100 with 5 warning signs

No single metric tells the full story. See the ADX:UNION stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Union Insurance Co Business Description

Address Sheikh Zayed Road, Single Business Tower, P.O Box 119227, Dubai, ARE
Union Insurance Co is a UAE-based insurance company engaged in the underwriting of various insurance products. The company provides retail and commercial insurance solutions across the United Arab Emirates and the Middle East. It operates through two segments: General Insurance and Life Assurance. The General Insurance segment includes auto, marine, engineering, healthcare, fire, travel, employee benefits, and general accident insurance, while the Life Assurance segment offers short-term and long-term life insurance. The company generates the majority of its revenue from the General Insurance segment. Its geographical segments include the United Arab Emirates, GCC Countries, and Others.
51GF Score

Get the complete analysis for ADX:UNION

Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

د.إ1.37
Price
د.إ1.22
GF Value