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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 Sunshine Insurance Group Co's Debt-to-EBITDA or its related term are showing as below:
FRA:E57'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.57 Med: 1.85 Max: 2.34
Current: 2.06
During the past 7 years, the highest Debt-to-EBITDA Ratio of Sunshine Insurance Group Co was 2.34. The lowest was 1.57. And the median was 1.85.
FRA:E57's Debt-to-EBITDA is ranked worse than 69.06% of 320
companies
in the Insurance industry
Industry Median: 1.235
vs FRA:E57: 2.06
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.
Sunshine Insurance Group Co Debt-to-EBITDA Related Terms
Sunshine Insurance Group Co 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:E57 vs CB, PGR, TRV: Debt-to-EBITDA Comparison
For the Insurance - Property & Casualty subindustry, Sunshine Insurance Group Co'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.
Sunshine Insurance Group Co Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Sunshine Insurance Group Co's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Sunshine Insurance Group Co'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.
Sunshine Insurance Group Co (FRA:E57) has a Debt-to-EBITDA of 2.92 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 Sunshine Insurance Group Co. This is 58% above median its historical median of 1.85. Over the past decade, Sunshine Insurance Group Co's Debt-to-EBITDA has ranged from 1.57 to 2.34. According to the industry distribution chart, Sunshine Insurance Group Co ranks #221 out of 320 companies in the Insurance industry, placing it in the top 69.1%.
Is Sunshine Insurance Group Co's Debt-to-EBITDA too high?
Sunshine Insurance Group Co's current Debt-to-EBITDA of 2.92 is 58% above median its 10-year median of 1.85. Over the past 10 years, this metric has ranged from a low of 1.57 to a high of 2.34. The Insurance industry median Debt-to-EBITDA is 1.24. Sunshine Insurance Group Co's value of 2.92 is 136.4% above this industry median. Based on the distribution chart, Sunshine Insurance Group Co ranks #221 out of 320 companies in the Insurance industry, which is below the industry midpoint. Overall, Sunshine Insurance Group Co has a GF Score™ of 73/100, reflecting its overall financial health beyond just this single metric.
How does Sunshine Insurance Group Co's Debt-to-EBITDA compare to CB and PGR?
According to the Insurance industry distribution chart, Sunshine Insurance Group Co ranks #221 out of 320 companies for Debt-to-EBITDA. This places Sunshine Insurance Group Co in the lower half of its industry. The industry median Debt-to-EBITDA is 1.24. Sunshine Insurance Group Co's value of 2.92 is 136.4% above this benchmark. Historically, Sunshine Insurance Group Co's own Debt-to-EBITDA has ranged from 1.57 to 2.34 over the past decade. While the company's 10-year median is 1.85 vs. the industry median of 1.24, Sunshine Insurance Group Co 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 1.24, 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. Sunshine Insurance Group Co's current Debt-to-EBITDA of 2.92 is 136.4% 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 Sunshine Insurance Group Co. For the Insurance industry, the median Debt-to-EBITDA is 1.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sunshine Insurance Group Co's current Debt-to-EBITDA is 2.92, which is 58% above median its own 10-year median of 1.85. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sunshine Insurance Group Co stock overvalued right now?
Sunshine Insurance Group Co (FRA:E57) has a current Debt-to-EBITDA of 2.92. The stock's GF Value™ is €0.40, compared to a current price of €0.36 — trading 11% below its estimated fair value. The current Debt-to-EBITDA is 2.92, which is 58% above median its 10-year median of 1.85 and 136.4% above the Insurance industry median of 1.24. Sunshine Insurance Group Co's overall GF Score™ is 73/100 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 Sunshine Insurance Group Co (FRA:E57), the current Debt-to-EBITDA is 2.92 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 Sunshine Insurance Group Co (FRA:E57) Overvalued in 2026?
Based on GuruFocus' analysis, Sunshine Insurance Group Co stock appears to be undervalued.
The current stock price of €0.36 is trading 11% below its estimated GF Value™ of €0.40.
Key valuation signals for FRA:E57:
Debt-to-EBITDA: 2.92 (58% above median its 10-year median of 1.85)
GF Value™: €0.40 vs. price of €0.36 (11% below fair value)
Industry Position: 136.4% above the Insurance median (#221 of 320)
No single metric tells the full story. See the FRA:E57 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sunshine Insurance Group Co Ltd is mainly engaged in the insurance business. The company has three operating segments; The life insurance segment offers a wide range of life insurance products mainly by Sunshine Life; The property and casualty insurance segment offers a wide range of property and casualty insurance products mainly by Sunshine P&C and Sunshine Surety, and Other business segment mainly provides corporation management and assets management services. It derives a majority of its revenue from the property and casualty insurance segment.
73GF Score
Get the complete analysis for FRA:E57
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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