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 Hannover Rueck SE's Debt-to-EBITDA or its related term are showing as below:
HVRRF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.99 Med: 1.5 Max: 3.82
Current: 1.08
During the past 13 years, the highest Debt-to-EBITDA Ratio of Hannover Rueck SE was 3.82. The lowest was 0.99. And the median was 1.50.
HVRRF's Debt-to-EBITDA is ranked better than 53.11% of 322
companies
in the Insurance industry
Industry Median: 1.175
vs HVRRF: 1.08
Hannover Rueck SE (OTCPK:HVRRF) 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.
Hannover Rueck SE Debt-to-EBITDA Related Terms
Hannover Rueck SE Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Hannover Rueck SE'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.
For the Insurance - Reinsurance subindustry, Hannover Rueck SE'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.
Hannover Rueck SE Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Hannover Rueck SE's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Hannover Rueck SE'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.
Hannover Rueck SE (HVRRF) has a Debt-to-EBITDA of 0.00 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 Hannover Rueck SE. Over the past decade, Hannover Rueck SE's Debt-to-EBITDA has ranged from 0.99 to 3.82. According to the industry distribution chart, Hannover Rueck SE ranks #151 out of 322 companies in the Insurance industry, placing it in the top 46.9%.
Is Hannover Rueck SE's Debt-to-EBITDA too high?
Hannover Rueck SE's current Debt-to-EBITDA is 0.00. Over the past 10 years, this metric has ranged from a low of 0.99 to a high of 3.82. Based on the distribution chart, Hannover Rueck SE ranks #151 out of 322 companies in the Insurance industry, which is above the industry midpoint. Overall, Hannover Rueck SE has a GF Score™ of 76/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Hannover Rueck SE's Debt-to-EBITDA compare to RGA and EG?
According to the Insurance industry distribution chart, Hannover Rueck SE ranks #151 out of 322 companies for Debt-to-EBITDA. This puts Hannover Rueck SE in the upper half of its industry. The industry median Debt-to-EBITDA is 1.18. Historically, Hannover Rueck SE's own Debt-to-EBITDA has ranged from 0.99 to 3.82 over the past decade. 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 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 Hannover Rueck SE. 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. Hannover Rueck SE's current Debt-to-EBITDA is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hannover Rueck SE stock overvalued right now?
Based on GuruFocus' analysis, Hannover Rueck SE (HVRRF) is currently considered Modestly Undervalued. The stock's GF Value™ is $340.25, compared to a current price of $274.90 — trading 19.2% below its estimated fair value. The current Debt-to-EBITDA is 0.00. Hannover Rueck SE's overall GF Score™ is 76/100. 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 Hannover Rueck SE (HVRRF), the current Debt-to-EBITDA is 0.00 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 Hannover Rueck SE (HVRRF) Overvalued in 2026?
Based on GuruFocus' analysis, Hannover Rueck SE stock appears to be undervalued.
The current stock price of $274.90 is trading 19.2% below its estimated GF Value™ of $340.25.
GuruFocus considers Hannover Rueck SE to be Modestly Undervalued.
Key valuation signals for HVRRF:
Debt-to-EBITDA: 0.00
GF Value™: $340.25 vs. price of $274.90 (19.2% below fair value)
No single metric tells the full story. See the HVRRF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hannover Re is a reinsurance company headquartered in Hannover, Germany. Its roots go back to the 1920s when, in conjunction with the Gerling Group, Haftpflichtverband founded Eisen- und Stahl-Industrie to provide reinsurance services. In the 1960s ownership of the business was turned over to Haftpflichtverband, and Aktiengesellschaft für Transport und- Rückversicherung was founded. This was the basis of Hannover Re. The business expanded into life and health reinsurance in the 1990s, and over the next 30 years expanded beyond its core domestic market of Germany to write business internationally. Hannover sold its commercial specialty insurance business to Talanx in January 2019. Hannover was listed in the 1990s on the Frankfurt Stock Exchange.
76GF Score
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