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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 Aspen Insurance Holdings's Debt-to-EBITDA or its related term are showing as below:
FRA:8ZV'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -4.9 Med: 0.77 Max: 7.59
Current: 0.72
During the past 13 years, the highest Debt-to-EBITDA Ratio of Aspen Insurance Holdings was 7.59. The lowest was -4.90. And the median was 0.77.
FRA:8ZV's Debt-to-EBITDA is not ranked
in the Insurance industry.
Industry Median: 1.255
vs FRA:8ZV: 0.72
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.
Aspen Insurance Holdings Debt-to-EBITDA Related Terms
Aspen Insurance Holdings 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.
FRA:8ZV vs CB, PGR, TRV: Debt-to-EBITDA Comparison
For the Insurance - Property & Casualty subindustry, Aspen Insurance 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.
Aspen Insurance Holdings Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Aspen Insurance Holdings's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Aspen Insurance 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 four times the quarterly (Dec. 2025) EBITDA data.
Aspen Insurance Holdings (FRA:8ZV) has a Debt-to-EBITDA of 0.48 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 Aspen Insurance Holdings. This is 38% below median its historical median of 0.77.
Is Aspen Insurance Holdings' Debt-to-EBITDA too high?
Aspen Insurance Holdings' current Debt-to-EBITDA of 0.48 is 38% below median its 10-year median of 0.77. The Insurance industry median Debt-to-EBITDA is 1.26. Aspen Insurance Holdings' value of 0.48 is 61.8% below this industry median. Overall, Aspen Insurance Holdings has a GF Score™ of 31/100, reflecting its overall financial health beyond just this single metric.
How does Aspen Insurance Holdings' Debt-to-EBITDA compare to CB and PGR?
Aspen Insurance Holdings' Debt-to-EBITDA of 0.48 can be compared against companies in the Insurance industry. The industry median Debt-to-EBITDA is 1.26. Aspen Insurance Holdings' value of 0.48 is 61.8% below this benchmark. While the company's 10-year median is 0.77 vs. the industry median of 1.26, Aspen Insurance 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 1.26, based on 316 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. Aspen Insurance Holdings's current Debt-to-EBITDA of 0.48 is 61.8% 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 Aspen Insurance Holdings. For the Insurance industry, the median Debt-to-EBITDA is 1.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aspen Insurance Holdings's current Debt-to-EBITDA is 0.48, which is 38% below median its own 10-year median of 0.77. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Aspen Insurance Holdings stock overvalued right now?
Aspen Insurance Holdings (FRA:8ZV) has a current Debt-to-EBITDA of 0.48. The current Debt-to-EBITDA is 0.48, which is 38% below median its 10-year median of 0.77 and 61.8% below the Insurance industry median of 1.26. Aspen Insurance Holdings' overall GF Score™ is 31/100 with 4 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 Aspen Insurance Holdings (FRA:8ZV), the current Debt-to-EBITDA is 0.48 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.
Aspen Insurance Holdings Ltd is a Bermudian insurance and reinsurance company. Its principal business is marketing and underwriting specialty insurance and reinsurance regularly. It comprises underwriting operations, which include risk-bearing insurance and reinsurance operations; Investing activities, which support underwriting operations; and ACM operations, which earn underwriting, management, and performance fees. It has two segments: Aspen Insurance and Aspen Reinsurance. Aspen Insurance consists of property and casualty insurance, marine, aviation, energy insurance, and financial and professional lines insurance. Aspen Reinsurance comprises property catastrophe reinsurance, other property reinsurance, casualty reinsurance, and specialty reinsurance.
31GF Score
Get the complete analysis for FRA:8ZV
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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