Navakij Insurance PCLBKK:NKI-R 62 Debt-to-EBITDA is 0.50 as of Mar. 2026, which is 61% above its 10-year median of 0.31. GuruFocus rates BKK:NKI-R with a GF Score™ of 62/100 and a GF Value™ of ฿17.38. The stock has 1 warning sign investors should review. Among 322 Insurance companies, Navakij Insurance PCL ranks worse than 310558.7% 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 Navakij Insurance PCL's Debt-to-EBITDA or its related term are showing as below:
BKK:NKI-R'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -0.48 Med: 0.31 Max: 0.77
Current: -0.12
During the past 13 years, the highest Debt-to-EBITDA Ratio of Navakij Insurance PCL was 0.77. The lowest was -0.48. And the median was 0.31.
BKK:NKI-R's Debt-to-EBITDA is ranked worse than 100% of 322
companies
in the Insurance industry
Industry Median: 1.185
vs BKK:NKI-R: -0.12
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.
Navakij Insurance PCL Debt-to-EBITDA Related Terms
Navakij Insurance PCL Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Navakij 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:NKI-R vs CB, PGR, TRV: Debt-to-EBITDA Comparison
For the Insurance - Property & Casualty subindustry, Navakij 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.
Navakij Insurance PCL Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Navakij Insurance PCL's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Navakij 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.
Navakij Insurance PCL (BKK:NKI-R) has a Debt-to-EBITDA of 0.50 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 Navakij Insurance PCL. This is 61% above median its historical median of 0.31. According to the industry distribution chart, Navakij Insurance PCL ranks #999999 out of 322 companies in the Insurance industry.
Is Navakij Insurance PCL's Debt-to-EBITDA too high?
Navakij Insurance PCL's current Debt-to-EBITDA of 0.50 is 61% above median its 10-year median of 0.31. The Insurance industry median Debt-to-EBITDA is 1.19. Navakij Insurance PCL's value of 0.50 is 57.8% below this industry median. Based on the distribution chart, Navakij Insurance PCL ranks #999999 out of 322 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Navakij Insurance PCL has a GF Score™ of 62/100, reflecting its overall financial health beyond just this single metric.
How does Navakij Insurance PCL's Debt-to-EBITDA compare to CB and PGR?
According to the Insurance industry distribution chart, Navakij Insurance PCL ranks #999999 out of 322 companies for Debt-to-EBITDA. This places Navakij Insurance PCL in the lower half of its industry. The industry median Debt-to-EBITDA is 1.19. Navakij Insurance PCL's value of 0.50 is 57.8% below this benchmark. While the company's 10-year median is 0.31 vs. the industry median of 1.19, Navakij Insurance PCL 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 1.19, 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. Navakij Insurance PCL's current Debt-to-EBITDA of 0.50 is 57.8% 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 Navakij Insurance PCL. 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. Navakij Insurance PCL's current Debt-to-EBITDA is 0.50, which is 61% above median its own 10-year median of 0.31. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Navakij Insurance PCL stock overvalued right now?
Navakij Insurance PCL (BKK:NKI-R) has a current Debt-to-EBITDA of 0.50. The stock's GF Value™ is ฿17.38, compared to a current price of ฿13.00 — trading 25.2% below its estimated fair value. The current Debt-to-EBITDA is 0.50, which is 61% above median its 10-year median of 0.31 and 57.8% below the Insurance industry median of 1.19. Navakij Insurance PCL's overall GF Score™ is 62/100 with 1 warning sign 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 Navakij Insurance PCL (BKK:NKI-R), the current Debt-to-EBITDA is 0.50 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 Navakij Insurance PCL (BKK:NKI-R) Overvalued in 2026?
Based on GuruFocus' analysis, Navakij Insurance PCL stock appears to be undervalued.
The current stock price of ฿13.00 is trading 25.2% below its estimated GF Value™ of ฿17.38.
Key valuation signals for BKK:NKI-R:
Debt-to-EBITDA: 0.50 (61% above median its 10-year median of 0.31)
GF Value™: ฿17.38 vs. price of ฿13.00 (25.2% below fair value)
Industry Position: 57.8% below the Insurance median (#999999 of 322)
No single metric tells the full story. See the BKK:NKI-R stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Navakij Insurance PCL is engaged in the provision of non-life insurance. The different kinds of insurance offered by the company include Motor Insurance, Fire Insurance, Marine and Transportation Insurance, and miscellaneous Insurance. The company operates its business in Thailand only.
62GF Score
Get the complete analysis for BKK:NKI-R
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