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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.
The historical rank and industry rank for Alignment Healthcare's Debt-to-EBITDA or its related term are showing as below:
ALHC'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -10.41 Med: -1.45 Max: 16.32
Current: 3.82
During the past 7 years, the highest Debt-to-EBITDA Ratio of Alignment Healthcare was 16.32. The lowest was -10.41. And the median was -1.45.
ALHC's Debt-to-EBITDA is ranked worse than 61.54% of 13
companies
in the Healthcare Plans industry
Industry Median: 3.52
vs ALHC: 3.82
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.
Alignment Healthcare Debt-to-EBITDA Related Terms
Alignment Healthcare Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Alignment Healthcare'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.
ALHC vs PGNY, CLOV, PFHO: Debt-to-EBITDA Comparison
For the Healthcare Plans subindustry, Alignment Healthcare'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.
Alignment Healthcare Debt-to-EBITDA vs Healthcare Plans Industry
For the Healthcare Plans industry and Healthcare sector, Alignment Healthcare's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Alignment Healthcare'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.
Alignment Healthcare (ALHC) has a Debt-to-EBITDA of 1.65 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 Alignment Healthcare. According to the industry distribution chart, Alignment Healthcare ranks #8 out of 13 companies in the Healthcare Plans industry, placing it in the top 61.5%.
Is Alignment Healthcare's Debt-to-EBITDA too high?
Alignment Healthcare's current Debt-to-EBITDA is 1.65. The Healthcare Plans industry median Debt-to-EBITDA is 3.52. Alignment Healthcare's value of 1.65 is 53.1% below this industry median. Based on the distribution chart, Alignment Healthcare ranks #8 out of 13 companies in the Healthcare Plans industry, which is below the industry midpoint. Overall, Alignment Healthcare has a GF Score™ of 79/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Alignment Healthcare's Debt-to-EBITDA compare to PGNY and CLOV?
According to the Healthcare Plans industry distribution chart, Alignment Healthcare ranks #8 out of 13 companies for Debt-to-EBITDA. This places Alignment Healthcare in the lower half of its industry. The industry median Debt-to-EBITDA is 3.52. Alignment Healthcare's value of 1.65 is 53.1% below this benchmark. 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 a Healthcare Plans company?
The median Debt-to-EBITDA among Healthcare Plans companies is 3.52, based on 13 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. Alignment Healthcare's current Debt-to-EBITDA of 1.65 is 53.1% 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 Alignment Healthcare. For the Healthcare Plans industry, the median Debt-to-EBITDA is 3.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Alignment Healthcare's current Debt-to-EBITDA is 1.65. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Alignment Healthcare stock overvalued right now?
Based on GuruFocus' analysis, Alignment Healthcare (ALHC) is currently considered Modestly Undervalued. The stock's GF Value™ is $20.32, compared to a current price of $14.84 — trading 27% below its estimated fair value. The current Debt-to-EBITDA is 1.65 and 53.1% below the Healthcare Plans industry median of 3.52. Alignment Healthcare's overall GF Score™ is 79/100 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 Alignment Healthcare (ALHC), the current Debt-to-EBITDA is 1.65 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 Alignment Healthcare (ALHC) Overvalued in 2026?
Based on GuruFocus' analysis, Alignment Healthcare stock appears to be undervalued.
The current stock price of $14.84 is trading 27% below its estimated GF Value™ of $20.32.
GuruFocus considers Alignment Healthcare to be Modestly Undervalued.
Key valuation signals for ALHC:
Debt-to-EBITDA: 1.65
GF Value™: $20.32 vs. price of $14.84 (27% below fair value)
Industry Position: 53.1% below the Healthcare Plans median (#8 of 13)
No single metric tells the full story. See the ALHC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Alignment Healthcare Inc is a next-generation, consumer-centric platform that is revolutionizing the healthcare experience for seniors through Medicare Advantage plans. These plans are marketed and sold direct-to-consumer, allowing seniors to select the manner in which customers receive healthcare coverage and services on an annual basis. The company combines a technology platform and clinical model for more effective health outcomes.
79GF Score
Get the complete analysis for ALHC
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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