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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.
FRA:PZX'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 5.13 Med: 6.43 Max: 9.09
Current: 6.49
During the past 13 years, the highest Debt-to-EBITDA Ratio of Ping An Insurance (Group) Co. of China was 9.09. The lowest was 5.13. And the median was 6.43.
FRA:PZX's Debt-to-EBITDA is ranked worse than 94.69% of 320
companies
in the Insurance industry
Industry Median: 1.175
vs FRA:PZX: 6.49
Ping An Insurance (Group) Co. of China (FRA:PZX) Debt-to-EBITDA Explanation
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.
Ping An Insurance (Group) Co. of China Debt-to-EBITDA Related Terms
Ping An Insurance (Group) Co. of China 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.
Ping An Insurance (Group) Co. of China Debt-to-EBITDA Chart
Ping An Insurance (Group) Co. of China Annual Data
FRA:PZX vs AFL, MET, PRU: Debt-to-EBITDA Comparison
For the Insurance - Life subindustry, Ping An Insurance (Group) Co. of China'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.
Ping An Insurance (Group) Co. of China Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Ping An Insurance (Group) Co. of China's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Ping An Insurance (Group) Co. of China'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.
Ping An Insurance (Group) Co. of China (FRA:PZX) has a Debt-to-EBITDA of 8.25 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 Ping An Insurance (Group) Co. of China. This is 28% above median its historical median of 6.43. Over the past decade, Ping An Insurance (Group) Co. of China's Debt-to-EBITDA has ranged from 5.13 to 9.09. According to the industry distribution chart, Ping An Insurance (Group) Co. of China ranks #303 out of 320 companies in the Insurance industry, placing it in the top 94.7%.
Is Ping An Insurance (Group) Co. of China's Debt-to-EBITDA too high?
Ping An Insurance (Group) Co. of China's current Debt-to-EBITDA of 8.25 is 28% above median its 10-year median of 6.43. Over the past 10 years, this metric has ranged from a low of 5.13 to a high of 9.09. The Insurance industry median Debt-to-EBITDA is 1.18. Ping An Insurance (Group) Co. of China's value of 8.25 is 602.1% above this industry median. Based on the distribution chart, Ping An Insurance (Group) Co. of China ranks #303 out of 320 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Ping An Insurance (Group) Co. of China has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ping An Insurance (Group) Co. of China's Debt-to-EBITDA compare to AFL and MET?
According to the Insurance industry distribution chart, Ping An Insurance (Group) Co. of China ranks #303 out of 320 companies for Debt-to-EBITDA. This places Ping An Insurance (Group) Co. of China in the lower half of its industry. The industry median Debt-to-EBITDA is 1.18. Ping An Insurance (Group) Co. of China's value of 8.25 is 602.1% above this benchmark. Historically, Ping An Insurance (Group) Co. of China's own Debt-to-EBITDA has ranged from 5.13 to 9.09 over the past decade. While the company's 10-year median is 6.43 vs. the industry median of 1.18, Ping An Insurance (Group) Co. of China 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 1.18, 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. Ping An Insurance (Group) Co. of China's current Debt-to-EBITDA of 8.25 is 602.1% 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 Ping An Insurance (Group) Co. of China. For the Insurance industry, the median Debt-to-EBITDA is 1.18 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ping An Insurance (Group) Co. of China's current Debt-to-EBITDA is 8.25, which is 28% above median its own 10-year median of 6.43. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ping An Insurance (Group) Co. of China stock overvalued right now?
Based on GuruFocus' analysis, Ping An Insurance (Group) Co. of China (FRA:PZX) is currently considered Modestly Overvalued. The stock's GF Value™ is €5.19, compared to a current price of €6.26 — trading 20.7% above its estimated fair value. The current Debt-to-EBITDA is 8.25, which is 28% above median its 10-year median of 6.43 and 602.1% above the Insurance industry median of 1.18. Ping An Insurance (Group) Co. of China's overall GF Score™ is 69/100 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 Ping An Insurance (Group) Co. of China (FRA:PZX), the current Debt-to-EBITDA is 8.25 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 Ping An Insurance (Group) Co. of China (FRA:PZX) Overvalued in 2026?
Based on GuruFocus' analysis, Ping An Insurance (Group) Co. of China stock appears to be overvalued.
The current stock price of €6.26 is trading 20.7% above its estimated GF Value™ of €5.19.
GuruFocus considers Ping An Insurance (Group) Co. of China to be Modestly Overvalued.
Key valuation signals for FRA:PZX:
Debt-to-EBITDA: 8.25 (28% above median its 10-year median of 6.43)
GF Value™: €5.19 vs. price of €6.26 (20.7% above fair value)
Industry Position: 602.1% above the Insurance median (#303 of 320)
No single metric tells the full story. See the FRA:PZX stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ping An Insurance (Group) Co. of China Business Description
Ping An Insurance was founded in 1988 and headquartered in Shenzhen. As an integrated financial service provider, the company offers healthcare services and integrated financial products. Ping An is China's second-largest life and P&C insurer. The company strives for an integrated financial services platform comprising life insurance, P&C insurance, banking, and other financial services. These business segments contributed 66%, 10%, 28%, and 1% of the company's pretax profits, respectively, in 2025.
69GF Score
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