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Min Xin HoldingsFRA:MXD +0.68%74 Debt-to-EBITDA is 5.54 as of Dec. 2025, which is 336% above its 10-year median of 1.27. GuruFocus rates FRA:MXD with a GF Score™ of 74/100 and a GF Value™ of €0.29. The stock has 6 warning signs investors should review. Among 320 Insurance companies, Min Xin Holdings ranks worse than 90.94% 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 Min Xin Holdings's Debt-to-EBITDA or its related term are showing as below:
FRA:MXD'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.62 Med: 1.27 Max: 11.68
Current: 5.18
During the past 13 years, the highest Debt-to-EBITDA Ratio of Min Xin Holdings was 11.68. The lowest was 0.62. And the median was 1.27.
FRA:MXD's Debt-to-EBITDA is ranked worse than 90.94% of 320
companies
in the Insurance industry
Industry Median: 1.21
vs FRA:MXD: 5.18
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.
Min Xin Holdings Debt-to-EBITDA Related Terms
Min Xin Holdings Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Min Xin 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.
FRA:MXD vs CB, PGR, TRV: Debt-to-EBITDA Comparison
For the Insurance - Property & Casualty subindustry, Min Xin 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.
Min Xin Holdings Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Min Xin Holdings's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Min Xin 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 (Dec. 2025) EBITDA data.
Min Xin Holdings (FRA:MXD) has a Debt-to-EBITDA of 5.54 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 Min Xin Holdings. This is 336% above median its historical median of 1.27. Over the past decade, Min Xin Holdings' Debt-to-EBITDA has ranged from 0.62 to 11.68. According to the industry distribution chart, Min Xin Holdings ranks #291 out of 320 companies in the Insurance industry, placing it in the top 90.9%.
Is Min Xin Holdings' Debt-to-EBITDA too high?
Min Xin Holdings' current Debt-to-EBITDA of 5.54 is 336% above median its 10-year median of 1.27. Over the past 10 years, this metric has ranged from a low of 0.62 to a high of 11.68. The Insurance industry median Debt-to-EBITDA is 1.21. Min Xin Holdings' value of 5.54 is 357.9% above this industry median. Based on the distribution chart, Min Xin Holdings ranks #291 out of 320 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Min Xin Holdings has a GF Score™ of 74/100, reflecting its overall financial health beyond just this single metric.
How does Min Xin Holdings' Debt-to-EBITDA compare to CB and PGR?
According to the Insurance industry distribution chart, Min Xin Holdings ranks #291 out of 320 companies for Debt-to-EBITDA. This places Min Xin Holdings in the lower half of its industry. The industry median Debt-to-EBITDA is 1.21. Min Xin Holdings' value of 5.54 is 357.9% above this benchmark. Historically, Min Xin Holdings' own Debt-to-EBITDA has ranged from 0.62 to 11.68 over the past decade. While the company's 10-year median is 1.27 vs. the industry median of 1.21, Min Xin Holdings 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 1.21, 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. Min Xin Holdings's current Debt-to-EBITDA of 5.54 is 357.9% 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 Min Xin Holdings. For the Insurance industry, the median Debt-to-EBITDA is 1.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Min Xin Holdings's current Debt-to-EBITDA is 5.54, which is 336% above median its own 10-year median of 1.27. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Min Xin Holdings stock overvalued right now?
Min Xin Holdings (FRA:MXD) has a current Debt-to-EBITDA of 5.54. The stock's GF Value™ is €0.29, compared to a current price of €0.29 — trading 1.4% above its estimated fair value. The current Debt-to-EBITDA is 5.54, which is 336% above median its 10-year median of 1.27 and 357.9% above the Insurance industry median of 1.21. Min Xin Holdings' overall GF Score™ is 74/100 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 Min Xin Holdings (FRA:MXD), the current Debt-to-EBITDA is 5.54 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 Min Xin Holdings (FRA:MXD) Overvalued in 2026?
Based on GuruFocus' analysis, Min Xin Holdings stock appears to be overvalued.
The current stock price of €0.29 is trading 1.4% above its estimated GF Value™ of €0.29.
Key valuation signals for FRA:MXD:
Debt-to-EBITDA: 5.54 (336% above median its 10-year median of 1.27)
GF Value™: €0.29 vs. price of €0.29 (1.4% above fair value)
Industry Position: 357.9% above the Insurance median (#291 of 320)
No single metric tells the full story. See the FRA:MXD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Min Xin Holdings Ltd is a Hong Kong-based investment holding company. It provides business, including banking investment, microfinance, insurance, property investment, and energy investment. Mainland China. It organizes its business into five segments, namely Financial Services, Insurance, Property Investment, Strategic Investment, and Corporate activities. It operates its business in Hong Kong, Mainland China, and Macau, and derives a majority of its revenue from Hong Kong.
74GF Score
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