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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 New China Life Insurance Co's Debt-to-EBITDA or its related term are showing as below:
FRA:NCL's Debt-to-EBITDA is not ranked *
in the Insurance industry.
Industry Median: 1.23 * Ranked among companies with meaningful Debt-to-EBITDA only.
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.
New China Life Insurance Co Debt-to-EBITDA Related Terms
New China Life Insurance 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:NCL vs MET, AFL, PRU: Debt-to-EBITDA Comparison
For the Insurance - Life subindustry, New China Life Insurance 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.
New China Life Insurance Co Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, New China Life Insurance Co's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where New China Life Insurance 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 (Jun. 2026) EBITDA data.
New China Life Insurance Co (FRA:NCL) has a Debt-to-EBITDA of 3.53 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 New China Life Insurance Co. According to the industry distribution chart, New China Life Insurance Co ranks #999999 out of 312 companies in the Insurance industry.
Is New China Life Insurance Co's Debt-to-EBITDA too high?
New China Life Insurance Co's current Debt-to-EBITDA is 3.53. The Insurance industry median Debt-to-EBITDA is 1.23. New China Life Insurance Co's value of 3.53 is 187% above this industry median. Based on the distribution chart, New China Life Insurance Co ranks #999999 out of 312 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, New China Life Insurance Co has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does New China Life Insurance Co's Debt-to-EBITDA compare to MET and AFL?
According to the Insurance industry distribution chart, New China Life Insurance Co ranks #999999 out of 312 companies for Debt-to-EBITDA. This places New China Life Insurance Co in the lower half of its industry. The industry median Debt-to-EBITDA is 1.23. New China Life Insurance Co's value of 3.53 is 187% above this benchmark. 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 1.23, based on 312 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. New China Life Insurance Co's current Debt-to-EBITDA of 3.53 is 187% 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 New China Life Insurance Co. For the Insurance industry, the median Debt-to-EBITDA is 1.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. New China Life Insurance Co's current Debt-to-EBITDA is 3.53. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is New China Life Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, New China Life Insurance Co (FRA:NCL) is currently considered Modestly Overvalued. The stock's GF Value™ is €4.61, compared to a current price of €5.15 — trading 11.7% above its estimated fair value. The current Debt-to-EBITDA is 3.53 and 187% above the Insurance industry median of 1.23. New China Life Insurance Co's overall GF Score™ is 69/100 with 2 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 New China Life Insurance Co (FRA:NCL), the current Debt-to-EBITDA is 3.53 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 New China Life Insurance Co (FRA:NCL) Overvalued in 2026?
Based on GuruFocus' analysis, New China Life Insurance Co stock appears to be overvalued.
The current stock price of €5.15 is trading 11.7% above its estimated GF Value™ of €4.61.
GuruFocus considers New China Life Insurance Co to be Modestly Overvalued.
Key valuation signals for FRA:NCL:
Debt-to-EBITDA: 3.53
GF Value™: €4.61 vs. price of €5.15 (11.7% above fair value)
Industry Position: 187% above the Insurance median (#999999 of 312)
No single metric tells the full story. See the FRA:NCL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
New China Life Insurance Co Ltd is headquartered in Beijing and was established in 1996 by a combination of state-owned enterprises and private firms. It is currently the fourth-largest life insurer in China based on total assets. New China Life offers a wide range of life insurance products and services to both individual and institutional customers through its extensive distribution networks and diverse marketing channels. Additionally, it manages and invests insurance funds through its subsidiaries, including its Asset Management Company and Asset Management Company (Hong Kong).
69GF Score
Get the complete analysis for FRA:NCL
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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