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Allianz Ayudhya CapitalBKK:AYUD +5.33%82 Debt-to-EBITDA is 0.03 as of Mar. 2026, which is 82% below its 10-year median of 0.17. GuruFocus rates BKK:AYUD with a GF Score™ of 82/100 and a GF Value™ of ฿52.96 (Modestly Undervalued). The stock has 7 warning signs investors should review. Among 320 Insurance companies, Allianz Ayudhya Capital ranks better than 94.06% 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 Allianz Ayudhya Capital's Debt-to-EBITDA or its related term are showing as below:
BKK:AYUD'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.04 Med: 0.17 Max: 0.41
Current: 0.04
During the past 13 years, the highest Debt-to-EBITDA Ratio of Allianz Ayudhya Capital was 0.41. The lowest was 0.04. And the median was 0.17.
BKK:AYUD's Debt-to-EBITDA is ranked better than 94.06% of 320
companies
in the Insurance industry
Industry Median: 1.23
vs BKK:AYUD: 0.04
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.
Allianz Ayudhya Capital Debt-to-EBITDA Related Terms
Allianz Ayudhya Capital Debt-to-EBITDA Historical Data
* 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.
BKK:AYUD vs CB, PGR, TRV: Debt-to-EBITDA Comparison
For the Insurance - Property & Casualty subindustry, Allianz Ayudhya Capital'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.
Allianz Ayudhya Capital Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Allianz Ayudhya Capital's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Allianz Ayudhya Capital'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 (Mar. 2026) EBITDA data.
Allianz Ayudhya Capital (BKK:AYUD) has a Debt-to-EBITDA of 0.03 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Allianz Ayudhya Capital. This is 82% below median its historical median of 0.17. Over the past decade, Allianz Ayudhya Capital's Debt-to-EBITDA has ranged from 0.04 to 0.41. According to the industry distribution chart, Allianz Ayudhya Capital ranks #19 out of 320 companies in the Insurance industry, placing it in the top 5.9%.
Is Allianz Ayudhya Capital's Debt-to-EBITDA too high?
Allianz Ayudhya Capital's current Debt-to-EBITDA of 0.03 is 82% below median its 10-year median of 0.17. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 0.41. The Insurance industry median Debt-to-EBITDA is 1.23. Allianz Ayudhya Capital's value of 0.03 is 97.6% below this industry median. Based on the distribution chart, Allianz Ayudhya Capital ranks #19 out of 320 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Allianz Ayudhya Capital has a GF Score™ of 82/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Allianz Ayudhya Capital's Debt-to-EBITDA compare to CB and PGR?
According to the Insurance industry distribution chart, Allianz Ayudhya Capital ranks #19 out of 320 companies for Debt-to-EBITDA. This places Allianz Ayudhya Capital in the top 6% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 1.23. Allianz Ayudhya Capital's value of 0.03 is 97.6% below this benchmark. Historically, Allianz Ayudhya Capital's own Debt-to-EBITDA has ranged from 0.04 to 0.41 over the past decade. While the company's 10-year median is 0.17 vs. the industry median of 1.23, Allianz Ayudhya Capital has consistently been below 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 1.23, 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. Allianz Ayudhya Capital's current Debt-to-EBITDA of 0.03 is 97.6% 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 Allianz Ayudhya Capital. For the Insurance industry, the median Debt-to-EBITDA is 1.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Allianz Ayudhya Capital's current Debt-to-EBITDA is 0.03, which is 82% below median its own 10-year median of 0.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Allianz Ayudhya Capital stock overvalued right now?
Based on GuruFocus' analysis, Allianz Ayudhya Capital (BKK:AYUD) is currently considered Modestly Undervalued. The stock's GF Value™ is ฿52.96, compared to a current price of ฿44.50 — trading 16% below its estimated fair value. The current Debt-to-EBITDA is 0.03, which is 82% below median its 10-year median of 0.17 and 97.6% below the Insurance industry median of 1.23. Allianz Ayudhya Capital's overall GF Score™ is 82/100 with 7 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 Allianz Ayudhya Capital (BKK:AYUD), the current Debt-to-EBITDA is 0.03 as of Mar. 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 Allianz Ayudhya Capital (BKK:AYUD) Overvalued in 2026?
Based on GuruFocus' analysis, Allianz Ayudhya Capital stock appears to be undervalued.
The current stock price of ฿44.50 is trading 16% below its estimated GF Value™ of ฿52.96.
GuruFocus considers Allianz Ayudhya Capital to be Modestly Undervalued.
Key valuation signals for BKK:AYUD:
Debt-to-EBITDA: 0.03 (82% below median its 10-year median of 0.17)
GF Value™: ฿52.96 vs. price of ฿44.50 (16% below fair value)
Industry Position: 97.6% below the Insurance median (#19 of 320)
No single metric tells the full story. See the BKK:AYUD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Allianz Ayudhya Capital PLC is an investment holding company. The company is engaged in providing individual insurance such as motor insurance, personal accidents insurance, travel accidents insurance, fire insurance, cancer insurance and others. It is involved in non-life insurance business covering for loss or damage of insured properties, such as constructions, commercial and residential buildings, factories, and merchandise, marine and transportation insurance. The company is operating in three principal business segments Non-life insurance business generating the key revenue, Service business and Investment business, which are only organized and managed in a single geographic area, namely in Thailand.
82GF Score
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