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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 Indara Insurance PCL's Debt-to-EBITDA or its related term are showing as below:
BKK:INSURE'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -0.56 Med: 0.04 Max: 12.26
Current: 12.26
During the past 13 years, the highest Debt-to-EBITDA Ratio of Indara Insurance PCL was 12.26. The lowest was -0.56. And the median was 0.04.
BKK:INSURE's Debt-to-EBITDA is ranked worse than 97.81% of 320
companies
in the Insurance industry
Industry Median: 1.23
vs BKK:INSURE: 12.26
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.
Indara Insurance PCL Debt-to-EBITDA Related Terms
Indara Insurance PCL Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Indara Insurance PCL'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.
BKK:INSURE vs CB, PGR, TRV: Debt-to-EBITDA Comparison
For the Insurance - Property & Casualty subindustry, Indara Insurance PCL'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.
Indara Insurance PCL Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Indara Insurance PCL's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Indara Insurance PCL'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.
Indara Insurance PCL (BKK:INSURE) has a Debt-to-EBITDA of -0.08 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 Indara Insurance PCL. According to the industry distribution chart, Indara Insurance PCL ranks #313 out of 320 companies in the Insurance industry, placing it in the top 97.8%.
Is Indara Insurance PCL's Debt-to-EBITDA too high?
Indara Insurance PCL's current Debt-to-EBITDA is -0.08. Based on the distribution chart, Indara Insurance PCL ranks #313 out of 320 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Indara Insurance PCL has a GF Score™ of 58/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Indara Insurance PCL's Debt-to-EBITDA compare to CB and PGR?
According to the Insurance industry distribution chart, Indara Insurance PCL ranks #313 out of 320 companies for Debt-to-EBITDA. This places Indara Insurance PCL in the lower half of its industry. The industry median Debt-to-EBITDA is 1.23. 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. 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 Indara Insurance PCL. 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. Indara Insurance PCL's current Debt-to-EBITDA is -0.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Indara Insurance PCL stock overvalued right now?
Based on GuruFocus' analysis, Indara Insurance PCL (BKK:INSURE) is currently considered Significantly Undervalued. The stock's GF Value™ is ฿152.53, compared to a current price of ฿49.00 — trading 67.9% below its estimated fair value. The current Debt-to-EBITDA is -0.08. Indara Insurance PCL's overall GF Score™ is 58/100 with 2 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 Indara Insurance PCL (BKK:INSURE), the current Debt-to-EBITDA is -0.08 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 Indara Insurance PCL (BKK:INSURE) Overvalued in 2026?
Based on GuruFocus' analysis, Indara Insurance PCL stock appears to be undervalued.
The current stock price of ฿49.00 is trading 67.9% below its estimated GF Value™ of ฿152.53.
GuruFocus considers Indara Insurance PCL to be Significantly Undervalued.
Key valuation signals for BKK:INSURE:
Debt-to-EBITDA: -0.08
GF Value™: ฿152.53 vs. price of ฿49.00 (67.9% below fair value)
No single metric tells the full story. See the BKK:INSURE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Indara Insurance PCL is a Thailand-based company engaged in the provision of non-life insurance. The company operates in business segments: Motor and Others such as Property, Marine and transportation, Accident and health and Miscellaneous insurance. Majority of revenue is from Motor. The company operates mainly in Thailand. Its Individual Insurance involves Car insurance, Accident and health insurance, Travel insurance, and Home insurance. Its Business Insurance includes: Engineering Insurance, Cargo and hull insurance, Property insurance, and Other insurance.
58GF Score
Get the complete analysis for BKK:INSURE
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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