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ChesnaraCSNRF 50 Debt-to-EBITDA is 2.76 as of Dec. 2025, which is 61% above its 10-year median of 1.71. GuruFocus rates CSNRF with a GF Score™ of 50/100 and a GF Value™ of $2.25. The stock has 5 warning signs investors should review. Among 320 Insurance companies, Chesnara ranks worse than 88.44% 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 Chesnara's Debt-to-EBITDA or its related term are showing as below:
CSNRF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -6.52 Med: 1.71 Max: 6.67
Current: 4.23
During the past 13 years, the highest Debt-to-EBITDA Ratio of Chesnara was 6.67. The lowest was -6.52. And the median was 1.71.
CSNRF's Debt-to-EBITDA is ranked worse than 88.44% of 320
companies
in the Insurance industry
Industry Median: 1.19
vs CSNRF: 4.23
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.
Chesnara Debt-to-EBITDA Related Terms
Chesnara Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Chesnara'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.
For the Insurance - Life subindustry, Chesnara'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.
Chesnara Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Chesnara's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Chesnara'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 two times the quarterly (Dec. 2025) EBITDA data.
Chesnara (CSNRF) has a Debt-to-EBITDA of 2.76 as of Dec. 2025. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Chesnara. This is 61% above median its historical median of 1.71. According to the industry distribution chart, Chesnara ranks #283 out of 320 companies in the Insurance industry, placing it in the top 88.4%.
Is Chesnara's Debt-to-EBITDA too high?
Chesnara's current Debt-to-EBITDA of 2.76 is 61% above median its 10-year median of 1.71. The Insurance industry median Debt-to-EBITDA is 1.19. Chesnara's value of 2.76 is 131.9% above this industry median. Based on the distribution chart, Chesnara ranks #283 out of 320 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Chesnara has a GF Score™ of 50/100, reflecting its overall financial health beyond just this single metric.
How does Chesnara's Debt-to-EBITDA compare to AFL and MET?
According to the Insurance industry distribution chart, Chesnara ranks #283 out of 320 companies for Debt-to-EBITDA. This places Chesnara in the lower half of its industry. The industry median Debt-to-EBITDA is 1.19. Chesnara's value of 2.76 is 131.9% above this benchmark. While the company's 10-year median is 1.71 vs. the industry median of 1.19, Chesnara has consistently been above 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 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. Chesnara's current Debt-to-EBITDA of 2.76 is 131.9% above 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 Chesnara. 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. Chesnara's current Debt-to-EBITDA is 2.76, which is 61% above median its own 10-year median of 1.71. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Chesnara stock overvalued right now?
Chesnara (CSNRF) has a current Debt-to-EBITDA of 2.76. The stock's GF Value™ is $2.25, compared to a current price of $4.57 — trading 103.1% above its estimated fair value. The current Debt-to-EBITDA is 2.76, which is 61% above median its 10-year median of 1.71 and 131.9% above the Insurance industry median of 1.19. Chesnara's overall GF Score™ is 50/100 with 5 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 Chesnara (CSNRF), the current Debt-to-EBITDA is 2.76 as of Dec. 2025. 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 Chesnara (CSNRF) Overvalued in 2026?
Based on GuruFocus' analysis, Chesnara stock appears to be overvalued.
The current stock price of $4.57 is trading 103.1% above its estimated GF Value™ of $2.25.
Key valuation signals for CSNRF:
Debt-to-EBITDA: 2.76 (61% above median its 10-year median of 1.71)
GF Value™: $2.25 vs. price of $4.57 (103.1% above fair value)
Industry Position: 131.9% above the Insurance median (#283 of 320)
No single metric tells the full story. See the CSNRF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Chesnara PLC is engaged in the life assurance and pensions business, operating as a consolidator of life insurance and retirement savings portfolios. The Group has three reportable segments: UK, Sweden, and the Netherlands. The UK segment comprises life insurance and pensions operations through Countrywide Assured plc. The Sweden segment includes Movestic, which focuses on unit-linked pension business and provides life and health products. The Netherlands segment represents the combined Dutch life insurance business under the Scildon brand, following the integration of Waard and Scildon, and offers protection, individual savings, and group pension contracts.
50GF Score
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