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ASR Nederland NVASRRF 67 Debt-to-EBITDA is 1.42 as of Dec. 2025, which is 52% below its 10-year median of 2.95. GuruFocus rates ASRRF with a GF Score™ of 67/100 and a GF Value™ of $50.29 (Significantly Overvalued). The stock has 12 warning signs investors should review. Among 322 Insurance companies, ASR Nederland NV ranks worse than 54.66% 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 ASR Nederland NV's Debt-to-EBITDA or its related term are showing as below:
ASRRF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -2.43 Med: 2.95 Max: 8.08
Current: 1.4
During the past 13 years, the highest Debt-to-EBITDA Ratio of ASR Nederland NV was 8.08. The lowest was -2.43. And the median was 2.95.
ASRRF's Debt-to-EBITDA is ranked worse than 54.66% of 322
companies
in the Insurance industry
Industry Median: 1.185
vs ASRRF: 1.40
ASR Nederland NV (OTCPK:ASRRF) 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.
ASR Nederland NV Debt-to-EBITDA Related Terms
ASR Nederland NV Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for ASR Nederland NV'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.
ASRRF vs BRK.A, AIG, HIG: Debt-to-EBITDA Comparison
For the Insurance - Diversified subindustry, ASR Nederland NV'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.
ASR Nederland NV Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, ASR Nederland NV's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where ASR Nederland NV'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.
ASR Nederland NV (ASRRF) has a Debt-to-EBITDA of 1.42 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 ASR Nederland NV. This is 52% below median its historical median of 2.95. According to the industry distribution chart, ASR Nederland NV ranks #176 out of 322 companies in the Insurance industry, placing it in the top 54.7%.
Is ASR Nederland NV's Debt-to-EBITDA too high?
ASR Nederland NV's current Debt-to-EBITDA of 1.42 is 52% below median its 10-year median of 2.95. The Insurance industry median Debt-to-EBITDA is 1.19. ASR Nederland NV's value of 1.42 is 19.8% above this industry median. Based on the distribution chart, ASR Nederland NV ranks #176 out of 322 companies in the Insurance industry, which is below the industry midpoint. Overall, ASR Nederland NV has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does ASR Nederland NV's Debt-to-EBITDA compare to BRK.A and AIG?
According to the Insurance industry distribution chart, ASR Nederland NV ranks #176 out of 322 companies for Debt-to-EBITDA. This places ASR Nederland NV in the lower half of its industry. The industry median Debt-to-EBITDA is 1.19. ASR Nederland NV's value of 1.42 is 19.8% above this benchmark. While the company's 10-year median is 2.95 vs. the industry median of 1.19, ASR Nederland NV 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. ASR Nederland NV's current Debt-to-EBITDA of 1.42 is 19.8% 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 ASR Nederland NV. 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. ASR Nederland NV's current Debt-to-EBITDA is 1.42, which is 52% below median its own 10-year median of 2.95. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ASR Nederland NV stock overvalued right now?
Based on GuruFocus' analysis, ASR Nederland NV (ASRRF) is currently considered Significantly Overvalued. The stock's GF Value™ is $50.29, compared to a current price of $76.23 — trading 51.6% above its estimated fair value. The current Debt-to-EBITDA is 1.42, which is 52% below median its 10-year median of 2.95 and 19.8% above the Insurance industry median of 1.19. ASR Nederland NV's overall GF Score™ is 67/100 with 12 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 ASR Nederland NV (ASRRF), the current Debt-to-EBITDA is 1.42 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 ASR Nederland NV (ASRRF) Overvalued in 2026?
Based on GuruFocus' analysis, ASR Nederland NV stock appears to be overvalued.
The current stock price of $76.23 is trading 51.6% above its estimated GF Value™ of $50.29.
GuruFocus considers ASR Nederland NV to be Significantly Overvalued.
Key valuation signals for ASRRF:
Debt-to-EBITDA: 1.42 (52% below median its 10-year median of 2.95)
GF Value™: $50.29 vs. price of $76.23 (51.6% above fair value)
Industry Position: 19.8% above the Insurance median (#176 of 322)
No single metric tells the full story. See the ASRRF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
ASR Nederland NV is an insurance company. The company offers a variety of insurance policies to its customers. The business segments are Non-life; Life; Banking, Asset Management; Distribution and Services and Holding and Other. The Non-life insurance entities offer Non-life insurance contracts. Its life insurance entities offer financial products such as life insurance contracts and life insurance contracts on behalf of policyholders. The Asset Management segment involves all activities related to asset management including investment property management. Its Distribution and Services segment includes activities related to the distribution of insurance contracts.
67GF Score
Get the complete analysis for ASRRF
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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