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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 Genworth Financial's Debt-to-EBITDA or its related term are showing as below:
FRA:GGK'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.1 Med: 3.4 Max: 11.64
Current: 2.89
During the past 13 years, the highest Debt-to-EBITDA Ratio of Genworth Financial was 11.64. The lowest was 1.10. And the median was 3.40.
FRA:GGK's Debt-to-EBITDA is ranked worse than 78.06% of 319
companies
in the Insurance industry
Industry Median: 1.19
vs FRA:GGK: 2.89
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.
Genworth Financial Debt-to-EBITDA Related Terms
Genworth Financial Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Genworth Financial'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.
FRA:GGK vs FG, BHF, CNO: Debt-to-EBITDA Comparison
For the Insurance - Life subindustry, Genworth Financial'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.
Genworth Financial Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Genworth Financial's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Genworth Financial'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.
Genworth Financial (FRA:GGK) has a Debt-to-EBITDA of 2.77 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 Genworth Financial. This is 19% below median its historical median of 3.40. Over the past decade, Genworth Financial's Debt-to-EBITDA has ranged from 1.10 to 11.64. According to the industry distribution chart, Genworth Financial ranks #249 out of 319 companies in the Insurance industry, placing it in the top 78.1%.
Is Genworth Financial's Debt-to-EBITDA too high?
Genworth Financial's current Debt-to-EBITDA of 2.77 is 19% below median its 10-year median of 3.40. Over the past 10 years, this metric has ranged from a low of 1.10 to a high of 11.64. The Insurance industry median Debt-to-EBITDA is 1.19. Genworth Financial's value of 2.77 is 132.8% above this industry median. Based on the distribution chart, Genworth Financial ranks #249 out of 319 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Genworth Financial has a GF Score™ of 63/100, reflecting its overall financial health beyond just this single metric.
How does Genworth Financial's Debt-to-EBITDA compare to FG and BHF?
According to the Insurance industry distribution chart, Genworth Financial ranks #249 out of 319 companies for Debt-to-EBITDA. This places Genworth Financial in the lower half of its industry. The industry median Debt-to-EBITDA is 1.19. Genworth Financial's value of 2.77 is 132.8% above this benchmark. Historically, Genworth Financial's own Debt-to-EBITDA has ranged from 1.10 to 11.64 over the past decade. While the company's 10-year median is 3.40 vs. the industry median of 1.19, Genworth Financial 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 319 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. Genworth Financial's current Debt-to-EBITDA of 2.77 is 132.8% 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 Genworth Financial. 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. Genworth Financial's current Debt-to-EBITDA is 2.77, which is 19% below median its own 10-year median of 3.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Genworth Financial stock overvalued right now?
Genworth Financial (FRA:GGK) has a current Debt-to-EBITDA of 2.77. The stock's GF Value™ is €6.54, compared to a current price of €8.40 — trading 28.4% above its estimated fair value. The current Debt-to-EBITDA is 2.77, which is 19% below median its 10-year median of 3.40 and 132.8% above the Insurance industry median of 1.19. Genworth Financial's overall GF Score™ is 63/100 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 Genworth Financial (FRA:GGK), the current Debt-to-EBITDA is 2.77 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 Genworth Financial (FRA:GGK) Overvalued in 2026?
Based on GuruFocus' analysis, Genworth Financial stock appears to be overvalued.
The current stock price of €8.40 is trading 28.4% above its estimated GF Value™ of €6.54.
Key valuation signals for FRA:GGK:
Debt-to-EBITDA: 2.77 (19% below median its 10-year median of 3.40)
GF Value™: €6.54 vs. price of €8.40 (28.4% above fair value)
Industry Position: 132.8% above the Insurance median (#249 of 319)
No single metric tells the full story. See the FRA:GGK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Genworth Financial Inc is a diversified insurance holding company that provides various mortgage and life insurance products. The company has four main operating business segments: Enact, Closed Block segment, and Corporate and Other. The company's product portfolio includes various financial products such as traditional life insurance, mortgage insurance, fixed annuities, and variable annuities. The majority of the revenue is generated by the Enact segment. The company earns the maximum of its revenue in the United States.
63GF Score
Get the complete analysis for FRA:GGK
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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