Nobleoak Life (ASX:NOL) Debt-to-EBITDA : N/A (As of Dec. 2025)

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ASX:NOL Nobleoak Life Ltd ASX:NOL
47 GF Score
Price A$1.16
GF Value A$1.75
Valuation Significantly Undervalued
! 2 Warning Signs
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What is Nobleoak Life Debt-to-EBITDA?

Debt-to-EBITDA measures a company's ability to pay off its debt.

Nobleoak Life's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was A$0.0 Mil. Nobleoak Life's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was A$4.2 Mil. Nobleoak Life's annualized EBITDA for the quarter that ended in Dec. 2025 was A$0.0 Mil.

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 Nobleoak Life's Debt-to-EBITDA or its related term are showing as below:

During the past 4 years, the highest Debt-to-EBITDA Ratio of Nobleoak Life was 0.26. The lowest was 0.09. And the median was 0.18.

ASX:NOL's Debt-to-EBITDA is not ranked *
in the Insurance industry.
Industry Median: 1.18
* Ranked among companies with meaningful Debt-to-EBITDA only.

Nobleoak Life  (ASX:NOL) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.

Be Aware

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.

Nobleoak Life Debt-to-EBITDA Related Terms

Nobleoak Life Debt-to-EBITDA Historical Data

* Premium members only.

The historical data trend for Nobleoak Life'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.

Nobleoak Life Debt-to-EBITDA Chart

Nobleoak Life Annual Data
Trend Jun22 Jun23 Jun24 Jun25
Debt-to-EBITDA
N/A N/A 0.26 0.09

Nobleoak Life Semi-Annual Data
Dec20 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Debt-to-EBITDA Get a 7-Day Free Trial Premium Member Only Premium Member Only N/A N/A N/A N/A N/A

ASX:NOL vs AFL, MET, PRU: Debt-to-EBITDA Comparison

For the Insurance - Life subindustry, Nobleoak Life'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.

Nobleoak Life Debt-to-EBITDA vs Insurance Industry

For the Insurance industry and Financial Services sector, Nobleoak Life's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where Nobleoak Life's Debt-to-EBITDA falls into.


ASX:NOL
47GF Score
Nobleoak Life Ltd ASX:NOL
Debt-to-EBITDA is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Nobleoak Life Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

Nobleoak Life's Debt-to-EBITDA for the fiscal year that ended in Jun. 2025 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(4.585 + 0) / 49.554
=0.09

Nobleoak Life's annualized Debt-to-EBITDA for the quarter that ended in Dec. 2025 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(0 + 4.215) / 0
=N/A

* 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.

Is Nobleoak Life (ASX:NOL) Overvalued in 2026?

Based on GuruFocus' analysis, Nobleoak Life stock appears to be undervalued. The current stock price of A$1.16 is trading 34% below its estimated GF Value™ of A$1.75. GuruFocus considers Nobleoak Life to be Significantly Undervalued.

Key valuation signals for ASX:NOL:

  • Debt-to-EBITDA: N/A
  • GF Value™: A$1.75 vs. price of A$1.16 (34% below fair value)
  • GF Score™: 47/100 with 2 warning signs

No single metric tells the full story. See the ASX:NOL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Nobleoak Life Business Description

Address 44 Market Street, Level 4, Sydney, NSW, AUS, 2000
Nobleoak Life Ltd is involved in the manufacture and distribution of Life Insurance products (including death, total and permanent disability, trauma, income protection and business expenses insurance) through both its Direct and Strategic Partner (Advised) channels. The company's segments include Direct Business, Strategic Partnerships, and Genus. It generates maximum revenue from the Direct segment.
47GF Score

Get the complete analysis for ASX:NOL

Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

A$1.16
Price
A$1.75
GF Value