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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 Hallmark Financial Services's Debt-to-EBITDA or its related term are showing as below:
HALLQ's Debt-to-EBITDA is not ranked *
in the Insurance industry.
Industry Median: 1.185 * 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.
Hallmark Financial Services Debt-to-EBITDA Related Terms
Hallmark Financial Services 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.
HALLQ vs DTI, RES, PFIE: Debt-to-EBITDA Comparison
For the Insurance - Property & Casualty subindustry, Hallmark Financial Services'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.
Hallmark Financial Services Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Hallmark Financial Services's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Hallmark Financial Services'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 (Sep. 2023) EBITDA data.
Hallmark Financial Services (HALLQ) has a Debt-to-EBITDA of -1.92 as of Sep. 2023. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Hallmark Financial Services.
Is Hallmark Financial Services' Debt-to-EBITDA too high?
Hallmark Financial Services' current Debt-to-EBITDA is -1.92. Overall, Hallmark Financial Services has a GF Score™ of 16/100, reflecting its overall financial health beyond just this single metric.
How does Hallmark Financial Services' Debt-to-EBITDA compare to DTI and RES?
Hallmark Financial Services' Debt-to-EBITDA of -1.92 can be compared against companies in the Insurance industry. The industry median Debt-to-EBITDA is 1.19. 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 322 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. 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 Hallmark Financial Services. 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. Hallmark Financial Services's current Debt-to-EBITDA is -1.92. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hallmark Financial Services stock overvalued right now?
Hallmark Financial Services (HALLQ) has a current Debt-to-EBITDA of -1.92. The current Debt-to-EBITDA is -1.92. Hallmark Financial Services' overall GF Score™ is 16/100. 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 Hallmark Financial Services (HALLQ), the current Debt-to-EBITDA is -1.92 as of Sep. 2023. 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.
Hallmark Financial Services Inc is an insurance holding company, which is engaged in the sale of property/casualty insurance products to businesses and individuals. Its business involves marketing, distributing, underwriting, and servicing insurance products, as well as providing other insurance-related services. The company operates in segments such as Standard Commercial Segment, Specialty Commercial Segment, and Personal Segment. Geographically, it operates through the region of United States and derives a majority of its revenue from Specialty Commercial Segment, which includes Commercial Auto business unit, E&S Casualty business unit, E&S Property business unit, Professional Liability business unit, and Aerospace & Programs business unit.
16GF Score
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