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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 Thaire Life Assurance PCL's Debt-to-EBITDA or its related term are showing as below:
BKK:THREL'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -0.07 Med: 0.01 Max: 0.04
Current: -0.06
During the past 13 years, the highest Debt-to-EBITDA Ratio of Thaire Life Assurance PCL was 0.04. The lowest was -0.07. And the median was 0.01.
BKK:THREL's Debt-to-EBITDA is ranked worse than 100% of 324
companies
in the Insurance industry
Industry Median: 1.21
vs BKK:THREL: -0.06
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.
Thaire Life Assurance PCL Debt-to-EBITDA Related Terms
Thaire Life Assurance PCL 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:THREL vs RGA, EG, RNR: Debt-to-EBITDA Comparison
For the Insurance - Reinsurance subindustry, Thaire Life Assurance 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.
Thaire Life Assurance PCL Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Thaire Life Assurance PCL's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Thaire Life Assurance 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.
Thaire Life Assurance PCL (BKK:THREL) has a Debt-to-EBITDA of -0.01 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 Thaire Life Assurance PCL. According to the industry distribution chart, Thaire Life Assurance PCL ranks #999999 out of 324 companies in the Insurance industry.
Is Thaire Life Assurance PCL's Debt-to-EBITDA too high?
Thaire Life Assurance PCL's current Debt-to-EBITDA is -0.01. Based on the distribution chart, Thaire Life Assurance PCL ranks #999999 out of 324 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Thaire Life Assurance PCL has a GF Score™ of 44/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Thaire Life Assurance PCL's Debt-to-EBITDA compare to RGA and EG?
According to the Insurance industry distribution chart, Thaire Life Assurance PCL ranks #999999 out of 324 companies for Debt-to-EBITDA. This places Thaire Life Assurance PCL in the lower half of its industry. The industry median Debt-to-EBITDA is 1.21. 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 324 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 Thaire Life Assurance PCL. 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. Thaire Life Assurance PCL's current Debt-to-EBITDA is -0.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Thaire Life Assurance PCL stock overvalued right now?
Based on GuruFocus' analysis, Thaire Life Assurance PCL (BKK:THREL) is currently considered Fairly Valued. The stock's GF Value™ is ฿0.95, compared to a current price of ฿1.01 — trading 6.3% above its estimated fair value. The current Debt-to-EBITDA is -0.01. Thaire Life Assurance PCL's overall GF Score™ is 44/100 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 Thaire Life Assurance PCL (BKK:THREL), the current Debt-to-EBITDA is -0.01 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 Thaire Life Assurance PCL (BKK:THREL) Overvalued in 2026?
Based on GuruFocus' analysis, Thaire Life Assurance PCL stock appears to be overvalued.
The current stock price of ฿1.01 is trading 6.3% above its estimated GF Value™ of ฿0.95.
GuruFocus considers Thaire Life Assurance PCL to be Fairly Valued.
Key valuation signals for BKK:THREL:
Debt-to-EBITDA: -0.01
GF Value™: ฿0.95 vs. price of ฿1.01 (6.3% above fair value)
No single metric tells the full story. See the BKK:THREL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Thaire Life Assurance PCL is a local reinsurer in Thailand. The company is engaged in the provision of life reinsurance services such as ordinary life, group life, credit life and personal accident and health. It operates through the Conventional and Non-Conventional product segments. The conventional product line includes products that are already available in the market. The non-conventional products refers to new types of products, which are introduced by the group in cooperation with other life insurance companies. Geographically the activities are functioned through Thailand.
44GF Score
Get the complete analysis for BKK:THREL
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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