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Assured GuarantyAGO -0.74%75 Debt-to-EBITDA is 6.01 as of Jun. 2026, which is 167% above its 10-year median of 2.25. GuruFocus rates AGO with a GF Score™ of 75/100 and a GF Value™ of $89.20 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 320 Insurance companies, Assured Guaranty ranks worse than 82.19% 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 Assured Guaranty's Debt-to-EBITDA or its related term are showing as below:
AGO'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.17 Med: 2.25 Max: 7.31
Current: 3.4
During the past 13 years, the highest Debt-to-EBITDA Ratio of Assured Guaranty was 7.31. The lowest was 1.17. And the median was 2.25.
AGO's Debt-to-EBITDA is ranked worse than 82.19% of 320
companies
in the Insurance industry
Industry Median: 1.23
vs AGO: 3.40
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.
Assured Guaranty Debt-to-EBITDA Related Terms
Assured Guaranty Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Assured Guaranty'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 - Specialty subindustry, Assured Guaranty'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.
Assured Guaranty Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Assured Guaranty's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Assured Guaranty'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 four times the quarterly (Jun. 2026) EBITDA data.
Assured Guaranty (AGO) has a Debt-to-EBITDA of 6.01 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Assured Guaranty. This is 167% above median its historical median of 2.25. Over the past decade, Assured Guaranty's Debt-to-EBITDA has ranged from 1.17 to 7.31. According to the industry distribution chart, Assured Guaranty ranks #263 out of 320 companies in the Insurance industry, placing it in the top 82.2%.
Is Assured Guaranty's Debt-to-EBITDA too high?
Assured Guaranty's current Debt-to-EBITDA of 6.01 is 167% above median its 10-year median of 2.25. Over the past 10 years, this metric has ranged from a low of 1.17 to a high of 7.31. The Insurance industry median Debt-to-EBITDA is 1.23. Assured Guaranty's value of 6.01 is 388.6% above this industry median. Based on the distribution chart, Assured Guaranty ranks #263 out of 320 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Assured Guaranty has a GF Score™ of 75/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Assured Guaranty's Debt-to-EBITDA compare to NMIH and RDN?
According to the Insurance industry distribution chart, Assured Guaranty ranks #263 out of 320 companies for Debt-to-EBITDA. This places Assured Guaranty in the lower half of its industry. The industry median Debt-to-EBITDA is 1.23. Assured Guaranty's value of 6.01 is 388.6% above this benchmark. Historically, Assured Guaranty's own Debt-to-EBITDA has ranged from 1.17 to 7.31 over the past decade. While the company's 10-year median is 2.25 vs. the industry median of 1.23, Assured Guaranty 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 1.23, 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. Assured Guaranty's current Debt-to-EBITDA of 6.01 is 388.6% 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 Assured Guaranty. For the Insurance industry, the median Debt-to-EBITDA is 1.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Assured Guaranty's current Debt-to-EBITDA is 6.01, which is 167% above median its own 10-year median of 2.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Assured Guaranty stock overvalued right now?
Based on GuruFocus' analysis, Assured Guaranty (AGO) is currently considered Modestly Undervalued. The stock's GF Value™ is $89.20, compared to a current price of $76.22 — trading 14.6% below its estimated fair value. The current Debt-to-EBITDA is 6.01, which is 167% above median its 10-year median of 2.25 and 388.6% above the Insurance industry median of 1.23. Assured Guaranty's overall GF Score™ is 75/100 with 3 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 Assured Guaranty (AGO), the current Debt-to-EBITDA is 6.01 as of Jun. 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 Assured Guaranty (AGO) Overvalued in 2026?
Based on GuruFocus' analysis, Assured Guaranty stock appears to be undervalued.
The current stock price of $76.22 is trading 14.6% below its estimated GF Value™ of $89.20.
GuruFocus considers Assured Guaranty to be Modestly Undervalued.
Key valuation signals for AGO:
Debt-to-EBITDA: 6.01 (167% above median its 10-year median of 2.25)
GF Value™: $89.20 vs. price of $76.22 (14.6% below fair value)
Industry Position: 388.6% above the Insurance median (#263 of 320)
No single metric tells the full story. See the AGO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Assured Guaranty Ltd. provides credit protection products to the United States and international public finance and structured finance markets and manages assets across collateralized loan obligations as well as opportunity funds and liquid funds that build on its corporate credit, asset-based finance, municipal, and healthcare experience. The company operates in two segments: the Insurance segment and the Asset Management segment. The majority of the revenue earned by the company is from the Insurance segment.
75GF Score
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Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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