Admiral GroupAMIGF 85 Debt-to-EBITDA is 1.93 as of Dec. 2025, which is 79% above its 10-year median of 1.08. GuruFocus rates AMIGF with a GF Score™ of 85/100 and a GF Value™ of $50.29 (Fairly Valued). The stock has 6 warning signs investors should review. Among 322 Insurance companies, Admiral Group ranks worse than 64.6% 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 Admiral Group's Debt-to-EBITDA or its related term are showing as below:
AMIGF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.51 Med: 1.08 Max: 2.47
Current: 1.78
During the past 13 years, the highest Debt-to-EBITDA Ratio of Admiral Group was 2.47. The lowest was 0.51. And the median was 1.08.
AMIGF's Debt-to-EBITDA is ranked worse than 64.6% of 322
companies
in the Insurance industry
Industry Median: 1.185
vs AMIGF: 1.78
Admiral Group (OTCPK:AMIGF) 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.
Admiral Group Debt-to-EBITDA Related Terms
Admiral Group Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Admiral 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 - Property & Casualty subindustry, Admiral 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.
Admiral Group Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Admiral Group's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Admiral 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.
Admiral Group (AMIGF) has a Debt-to-EBITDA of 1.93 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 Admiral Group. This is 79% above median its historical median of 1.08. Over the past decade, Admiral Group's Debt-to-EBITDA has ranged from 0.51 to 2.47. According to the industry distribution chart, Admiral Group ranks #208 out of 322 companies in the Insurance industry, placing it in the top 64.6%.
Is Admiral Group's Debt-to-EBITDA too high?
Admiral Group's current Debt-to-EBITDA of 1.93 is 79% above median its 10-year median of 1.08. Over the past 10 years, this metric has ranged from a low of 0.51 to a high of 2.47. The Insurance industry median Debt-to-EBITDA is 1.19. Admiral Group's value of 1.93 is 62.9% above this industry median. Based on the distribution chart, Admiral Group ranks #208 out of 322 companies in the Insurance industry, which is below the industry midpoint. Overall, Admiral Group has a GF Score™ of 85/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Admiral Group's Debt-to-EBITDA compare to CB and PGR?
According to the Insurance industry distribution chart, Admiral Group ranks #208 out of 322 companies for Debt-to-EBITDA. This places Admiral Group in the lower half of its industry. The industry median Debt-to-EBITDA is 1.19. Admiral Group's value of 1.93 is 62.9% above this benchmark. Historically, Admiral Group's own Debt-to-EBITDA has ranged from 0.51 to 2.47 over the past decade. While the company's 10-year median is 1.08 vs. the industry median of 1.19, Admiral 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 322 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. Admiral Group's current Debt-to-EBITDA of 1.93 is 62.9% 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 Admiral 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. Admiral Group's current Debt-to-EBITDA is 1.93, which is 79% above median its own 10-year median of 1.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Admiral Group stock overvalued right now?
Based on GuruFocus' analysis, Admiral Group (AMIGF) is currently considered Fairly Valued. The stock's GF Value™ is $50.29, compared to a current price of $47.60 — trading 5.4% below its estimated fair value. The current Debt-to-EBITDA is 1.93, which is 79% above median its 10-year median of 1.08 and 62.9% above the Insurance industry median of 1.19. Admiral Group's overall GF Score™ is 85/100 with 6 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 Admiral Group (AMIGF), the current Debt-to-EBITDA is 1.93 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 Admiral Group (AMIGF) Overvalued in 2026?
Based on GuruFocus' analysis, Admiral Group stock appears to be undervalued.
The current stock price of $47.60 is trading 5.4% below its estimated GF Value™ of $50.29.
GuruFocus considers Admiral Group to be Fairly Valued.
Key valuation signals for AMIGF:
Debt-to-EBITDA: 1.93 (79% above median its 10-year median of 1.08)
GF Value™: $50.29 vs. price of $47.60 (5.4% below fair value)
Industry Position: 62.9% above the Insurance median (#208 of 322)
No single metric tells the full story. See the AMIGF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Admiral is a personal lines insurer that operates predominantly in the United Kingdom. The business is primarily a motor insurer with UK and European auto insurance accounting for the majority of gross premium. The company also has a nascent but growing UK home insurance division. The company was established in 1993 to sell nonstandard risk motor insurance. These nonstandard policyholders included younger drivers, female drivers, drivers wanting to pay by credit card, and drivers based in London. Over the years the company has expanded its nonstandard risks perimeter.
85GF Score
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