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Porto SeguroBSP:PSSA3 -0.72%77 Debt-to-EBITDA is 0.14 as of Mar. 2026, which is 75% below its 10-year median of 0.55. GuruFocus rates BSP:PSSA3 with a GF Score™ of 77/100 and a GF Value™ of R$44.88 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 320 Insurance companies, Porto Seguro ranks better than 83.44% 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 Porto Seguro's Debt-to-EBITDA or its related term are showing as below:
BSP:PSSA3'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.13 Med: 0.55 Max: 1.77
Current: 0.16
During the past 13 years, the highest Debt-to-EBITDA Ratio of Porto Seguro was 1.77. The lowest was 0.13. And the median was 0.55.
BSP:PSSA3's Debt-to-EBITDA is ranked better than 83.44% of 320
companies
in the Insurance industry
Industry Median: 1.175
vs BSP:PSSA3: 0.16
Porto Seguro (BSP:PSSA3) Debt-to-EBITDA Explanation
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.
Porto Seguro Debt-to-EBITDA Related Terms
Porto Seguro Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Porto Seguro'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.
BSP:PSSA3 vs BRK.A, AIG, HIG: Debt-to-EBITDA Comparison
For the Insurance - Diversified subindustry, Porto Seguro'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.
Porto Seguro Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Porto Seguro's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Porto Seguro'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.
Porto Seguro (BSP:PSSA3) has a Debt-to-EBITDA of 0.14 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 Porto Seguro. This is 75% below median its historical median of 0.55. Over the past decade, Porto Seguro's Debt-to-EBITDA has ranged from 0.13 to 1.77. According to the industry distribution chart, Porto Seguro ranks #53 out of 320 companies in the Insurance industry, placing it in the top 16.6%.
Is Porto Seguro's Debt-to-EBITDA too high?
Porto Seguro's current Debt-to-EBITDA of 0.14 is 75% below median its 10-year median of 0.55. Over the past 10 years, this metric has ranged from a low of 0.13 to a high of 1.77. The Insurance industry median Debt-to-EBITDA is 1.18. Porto Seguro's value of 0.14 is 88.1% below this industry median. Based on the distribution chart, Porto Seguro ranks #53 out of 320 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Porto Seguro has a GF Score™ of 77/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Porto Seguro's Debt-to-EBITDA compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Porto Seguro ranks #53 out of 320 companies for Debt-to-EBITDA. This places Porto Seguro in the top 17% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 1.18. Porto Seguro's value of 0.14 is 88.1% below this benchmark. Historically, Porto Seguro's own Debt-to-EBITDA has ranged from 0.13 to 1.77 over the past decade. While the company's 10-year median is 0.55 vs. the industry median of 1.18, Porto Seguro 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 1.18, 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. Porto Seguro's current Debt-to-EBITDA of 0.14 is 88.1% 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 Porto Seguro. For the Insurance industry, the median Debt-to-EBITDA is 1.18 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Porto Seguro's current Debt-to-EBITDA is 0.14, which is 75% below median its own 10-year median of 0.55. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Porto Seguro stock overvalued right now?
Based on GuruFocus' analysis, Porto Seguro (BSP:PSSA3) is currently considered Modestly Overvalued. The stock's GF Value™ is R$44.88, compared to a current price of R$54.78 — trading 22.1% above its estimated fair value. The current Debt-to-EBITDA is 0.14, which is 75% below median its 10-year median of 0.55 and 88.1% below the Insurance industry median of 1.18. Porto Seguro's overall GF Score™ is 77/100 with 3 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 Porto Seguro (BSP:PSSA3), the current Debt-to-EBITDA is 0.14 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 Porto Seguro (BSP:PSSA3) Overvalued in 2026?
Based on GuruFocus' analysis, Porto Seguro stock appears to be overvalued.
The current stock price of R$54.78 is trading 22.1% above its estimated GF Value™ of R$44.88.
GuruFocus considers Porto Seguro to be Modestly Overvalued.
Key valuation signals for BSP:PSSA3:
Debt-to-EBITDA: 0.14 (75% below median its 10-year median of 0.55)
GF Value™: R$44.88 vs. price of R$54.78 (22.1% above fair value)
Industry Position: 88.1% below the Insurance median (#53 of 320)
No single metric tells the full story. See the BSP:PSSA3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Porto Seguro SA is one of Brazil's diversified insurance companies that cover vehicles and residential homes. The company operates in many verticals like Insurance, bank, services and other business activities. The company provides a wide range of services including risk underwriting analysis, bike assistance, and surveillance. The company aims to provide products that meet several market needs through the following brands: Porto Seguro, Itau Auto e Residencia, and Azul Seguros and many others.
77GF Score
Get the complete analysis for BSP:PSSA3
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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