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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.
HAM:DFV's Debt-to-EBITDA is not ranked *
in the Insurance industry.
Industry Median: 1.19 * Ranked among companies with meaningful Debt-to-EBITDA only.
DFV Deutsche Familienversicherung AG (HAM:DFV) 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.
DFV Deutsche Familienversicherung AG Debt-to-EBITDA Related Terms
DFV Deutsche Familienversicherung AG 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.
DFV Deutsche Familienversicherung AG Debt-to-EBITDA Chart
HAM:DFV vs BRK.A, AIG, ACGL: Debt-to-EBITDA Comparison
For the Insurance - Diversified subindustry, DFV Deutsche Familienversicherung AG'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.
DFV Deutsche Familienversicherung AG Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, DFV Deutsche Familienversicherung AG's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where DFV Deutsche Familienversicherung AG'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. 2024) EBITDA data.
DFV Deutsche Familienversicherung AG (HAM:DFV) has a Debt-to-EBITDA of 0.85 as of Jun. 2024. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on DFV Deutsche Familienversicherung AG.
Is DFV Deutsche Familienversicherung AG's Debt-to-EBITDA too high?
DFV Deutsche Familienversicherung AG's current Debt-to-EBITDA is 0.85. The Insurance industry median Debt-to-EBITDA is 1.19. DFV Deutsche Familienversicherung AG's value of 0.85 is 28.6% below this industry median. Overall, DFV Deutsche Familienversicherung AG has a GF Score™ of 10/100, reflecting its overall financial health beyond just this single metric.
How does DFV Deutsche Familienversicherung AG's Debt-to-EBITDA compare to BRK.A and AIG?
DFV Deutsche Familienversicherung AG's Debt-to-EBITDA of 0.85 can be compared against companies in the Insurance industry. The industry median Debt-to-EBITDA is 1.19. DFV Deutsche Familienversicherung AG's value of 0.85 is 28.6% below 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 1.19, based on 321 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. DFV Deutsche Familienversicherung AG's current Debt-to-EBITDA of 0.85 is 28.6% below 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 DFV Deutsche Familienversicherung AG. 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. DFV Deutsche Familienversicherung AG's current Debt-to-EBITDA is 0.85. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is DFV Deutsche Familienversicherung AG stock overvalued right now?
DFV Deutsche Familienversicherung AG (HAM:DFV) has a current Debt-to-EBITDA of 0.85. The current Debt-to-EBITDA is 0.85 and 28.6% below the Insurance industry median of 1.19. DFV Deutsche Familienversicherung AG's overall GF Score™ is 10/100. 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 DFV Deutsche Familienversicherung AG (HAM:DFV), the current Debt-to-EBITDA is 0.85 as of Jun. 2024. 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.
DFV Deutsche Familienversicherung AG Business Description
DFV Deutsche Familienversicherung AG is an InsurTech company. As a digital insurance company, the company covers the entire value chain with its products. The company's goal is to offer insurance products that people really need and understand immediately. The company offers its customers multiple supplementary health insurance (dental, health, and long-term care insurance) as well as property/casualty insurance. Its segments are Supplementary Health, Property and Casualty, and Pet Health Insurance.
10GF Score
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