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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
ClearView WealthASX:CVW 49 Debt-to-EBITDA is 3.48 as of Dec. 2025, which is 17% below its 10-year median of 4.17. GuruFocus rates ASX:CVW with a GF Score™ of 49/100 and a GF Value™ of A$0.76 (Modestly Undervalued). The stock has 8 warning signs investors should review. Among 320 Insurance companies, ClearView Wealth ranks worse than 88.13% 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 ClearView Wealth's Debt-to-EBITDA or its related term are showing as below:
ASX:CVW'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.03 Med: 4.17 Max: 6.4
Current: 4.23
During the past 13 years, the highest Debt-to-EBITDA Ratio of ClearView Wealth was 6.40. The lowest was 1.03. And the median was 4.17.
ASX:CVW's Debt-to-EBITDA is ranked worse than 88.13% of 320
companies
in the Insurance industry
Industry Median: 1.21
vs ASX:CVW: 4.23
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.
ClearView Wealth Debt-to-EBITDA Related Terms
ClearView Wealth Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for ClearView Wealth'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.
ASX:CVW vs AFL, MET, PRU: Debt-to-EBITDA Comparison
For the Insurance - Life subindustry, ClearView Wealth'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.
ClearView Wealth Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, ClearView Wealth's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where ClearView Wealth'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.
ClearView Wealth (ASX:CVW) has a Debt-to-EBITDA of 3.48 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 ClearView Wealth. This is 17% below median its historical median of 4.17. Over the past decade, ClearView Wealth's Debt-to-EBITDA has ranged from 1.03 to 6.40. According to the industry distribution chart, ClearView Wealth ranks #282 out of 320 companies in the Insurance industry, placing it in the top 88.1%.
Is ClearView Wealth's Debt-to-EBITDA too high?
ClearView Wealth's current Debt-to-EBITDA of 3.48 is 17% below median its 10-year median of 4.17. Over the past 10 years, this metric has ranged from a low of 1.03 to a high of 6.40. The Insurance industry median Debt-to-EBITDA is 1.21. ClearView Wealth's value of 3.48 is 187.6% above this industry median. Based on the distribution chart, ClearView Wealth ranks #282 out of 320 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, ClearView Wealth has a GF Score™ of 49/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does ClearView Wealth's Debt-to-EBITDA compare to AFL and MET?
According to the Insurance industry distribution chart, ClearView Wealth ranks #282 out of 320 companies for Debt-to-EBITDA. This places ClearView Wealth in the lower half of its industry. The industry median Debt-to-EBITDA is 1.21. ClearView Wealth's value of 3.48 is 187.6% above this benchmark. Historically, ClearView Wealth's own Debt-to-EBITDA has ranged from 1.03 to 6.40 over the past decade. While the company's 10-year median is 4.17 vs. the industry median of 1.21, ClearView Wealth 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 1.21, 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. ClearView Wealth's current Debt-to-EBITDA of 3.48 is 187.6% 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 ClearView Wealth. For the Insurance industry, the median Debt-to-EBITDA is 1.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ClearView Wealth's current Debt-to-EBITDA is 3.48, which is 17% below median its own 10-year median of 4.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ClearView Wealth stock overvalued right now?
Based on GuruFocus' analysis, ClearView Wealth (ASX:CVW) is currently considered Modestly Undervalued. The stock's GF Value™ is A$0.76, compared to a current price of A$0.65 — trading 14.5% below its estimated fair value. The current Debt-to-EBITDA is 3.48, which is 17% below median its 10-year median of 4.17 and 187.6% above the Insurance industry median of 1.21. ClearView Wealth's overall GF Score™ is 49/100 with 8 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 ClearView Wealth (ASX:CVW), the current Debt-to-EBITDA is 3.48 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 ClearView Wealth (ASX:CVW) Overvalued in 2026?
Based on GuruFocus' analysis, ClearView Wealth stock appears to be undervalued.
The current stock price of A$0.65 is trading 14.5% below its estimated GF Value™ of A$0.76.
GuruFocus considers ClearView Wealth to be Modestly Undervalued.
Key valuation signals for ASX:CVW:
Debt-to-EBITDA: 3.48 (17% below median its 10-year median of 4.17)
GF Value™: A$0.76 vs. price of A$0.65 (14.5% below fair value)
Industry Position: 187.6% above the Insurance median (#282 of 320)
No single metric tells the full story. See the ASX:CVW stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
ClearView Wealth Ltd is an ASX-listed Australian life insurance business. It operates as a non-operating holding company. The company's operating segments include Life Insurance. It offers advised life insurance products and also has an in-force (closed) portfolio of non-advised life insurance products.
49GF Score
Get the complete analysis for ASX:CVW
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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