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FBD HoldingsFBDHF 59 Debt-to-EBITDA is 0.49 as of Jun. 2026, which is 29% below its 10-year median of 0.69. GuruFocus rates FBDHF with a GF Score™ of 59/100 and a GF Value™ of $12.39. The stock has 6 warning signs investors should review. Among 324 Insurance companies, FBD Holdings ranks better than 65.12% 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 FBD Holdings's Debt-to-EBITDA or its related term are showing as below:
FBDHF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.42 Med: 0.69 Max: 2.88
Current: 0.73
During the past 13 years, the highest Debt-to-EBITDA Ratio of FBD Holdings was 2.88. The lowest was 0.42. And the median was 0.69.
FBDHF's Debt-to-EBITDA is ranked better than 65.12% of 324
companies
in the Insurance industry
Industry Median: 1.2
vs FBDHF: 0.73
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.
FBD Holdings Debt-to-EBITDA Related Terms
FBD Holdings Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for FBD Holdings'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 - Property & Casualty subindustry, FBD Holdings'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.
FBD Holdings Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, FBD Holdings's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where FBD Holdings'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 (Jun. 2026) EBITDA data.
FBD Holdings (FBDHF) has a Debt-to-EBITDA of 0.49 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on FBD Holdings. This is 29% below median its historical median of 0.69. Over the past decade, FBD Holdings' Debt-to-EBITDA has ranged from 0.42 to 2.88. According to the industry distribution chart, FBD Holdings ranks #113 out of 324 companies in the Insurance industry, placing it in the top 34.9%.
Is FBD Holdings' Debt-to-EBITDA too high?
FBD Holdings' current Debt-to-EBITDA of 0.49 is 29% below median its 10-year median of 0.69. Over the past 10 years, this metric has ranged from a low of 0.42 to a high of 2.88. The Insurance industry median Debt-to-EBITDA is 1.20. FBD Holdings' value of 0.49 is 59.2% below this industry median. Based on the distribution chart, FBD Holdings ranks #113 out of 324 companies in the Insurance industry, which is above the industry midpoint. Overall, FBD Holdings has a GF Score™ of 59/100, reflecting its overall financial health beyond just this single metric.
How does FBD Holdings' Debt-to-EBITDA compare to CB and PGR?
According to the Insurance industry distribution chart, FBD Holdings ranks #113 out of 324 companies for Debt-to-EBITDA. This puts FBD Holdings in the upper half of its industry. The industry median Debt-to-EBITDA is 1.20. FBD Holdings' value of 0.49 is 59.2% below this benchmark. Historically, FBD Holdings' own Debt-to-EBITDA has ranged from 0.42 to 2.88 over the past decade. While the company's 10-year median is 0.69 vs. the industry median of 1.20, FBD Holdings 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 1.20, 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. FBD Holdings's current Debt-to-EBITDA of 0.49 is 59.2% 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 FBD Holdings. For the Insurance industry, the median Debt-to-EBITDA is 1.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FBD Holdings's current Debt-to-EBITDA is 0.49, which is 29% below median its own 10-year median of 0.69. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FBD Holdings stock overvalued right now?
FBD Holdings (FBDHF) has a current Debt-to-EBITDA of 0.49. The stock's GF Value™ is $12.39, compared to a current price of $13.00 — trading 4.9% above its estimated fair value. The current Debt-to-EBITDA is 0.49, which is 29% below median its 10-year median of 0.69 and 59.2% below the Insurance industry median of 1.20. FBD Holdings' overall GF Score™ is 59/100 with 6 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 FBD Holdings (FBDHF), the current Debt-to-EBITDA is 0.49 as of Jun. 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 FBD Holdings (FBDHF) Overvalued in 2026?
Based on GuruFocus' analysis, FBD Holdings stock appears to be overvalued.
The current stock price of $13.00 is trading 4.9% above its estimated GF Value™ of $12.39.
Key valuation signals for FBDHF:
Debt-to-EBITDA: 0.49 (29% below median its 10-year median of 0.69)
GF Value™: $12.39 vs. price of $13.00 (4.9% above fair value)
Industry Position: 59.2% below the Insurance median (#113 of 324)
No single metric tells the full story. See the FBDHF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
FBD Holdings PLC is a property and casualty insurer that looks after the insurance needs of farmers, consumers, and business owners. The company operates through two segments: General Insurance and Other Group Activities. General insurance: This includes all underwriting activities for motor and non-motor products. Other services: Comprises all non-underwriting activities, including administrative functions and financial services. The majority of revenue is from General Insurance. The Group's operations are located in Ireland.
59GF Score
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