Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Insurance Australia GroupIAUGF 80 Debt-to-EBITDA is 1.61 as of Dec. 2025, which is 23% above its 10-year median of 1.31. GuruFocus rates IAUGF with a GF Score™ of 80/100 and a GF Value™ of $5.45 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 321 Insurance companies, Insurance Australia Group ranks better than 51.09% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
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 Insurance Australia Group's Debt-to-EBITDA or its related term are showing as below:
IAUGF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -77.94 Med: 1.31 Max: 3.2
Current: 1.17
During the past 13 years, the highest Debt-to-EBITDA Ratio of Insurance Australia Group was 3.20. The lowest was -77.94. And the median was 1.31.
IAUGF's Debt-to-EBITDA is ranked better than 51.09% of 321
companies
in the Insurance industry
Industry Median: 1.18
vs IAUGF: 1.17
Insurance Australia Group (OTCPK:IAUGF) 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.
Insurance Australia Group Debt-to-EBITDA Related Terms
Insurance Australia Group 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.
For the Insurance - Property & Casualty subindustry, Insurance Australia Group'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.
Insurance Australia Group Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Insurance Australia Group's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Insurance Australia Group'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 (Dec. 2025) EBITDA data.
Insurance Australia Group (IAUGF) has a Debt-to-EBITDA of 1.61 as of Dec. 2025. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Insurance Australia Group. This is 23% above median its historical median of 1.31. According to the industry distribution chart, Insurance Australia Group ranks #157 out of 321 companies in the Insurance industry, placing it in the top 48.9%.
Is Insurance Australia Group's Debt-to-EBITDA too high?
Insurance Australia Group's current Debt-to-EBITDA of 1.61 is 23% above median its 10-year median of 1.31. The Insurance industry median Debt-to-EBITDA is 1.18. Insurance Australia Group's value of 1.61 is 36.4% above this industry median. Based on the distribution chart, Insurance Australia Group ranks #157 out of 321 companies in the Insurance industry, which is above the industry midpoint. Overall, Insurance Australia Group has a GF Score™ of 80/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Insurance Australia Group's Debt-to-EBITDA compare to CB and PGR?
According to the Insurance industry distribution chart, Insurance Australia Group ranks #157 out of 321 companies for Debt-to-EBITDA. This puts Insurance Australia Group in the upper half of its industry. The industry median Debt-to-EBITDA is 1.18. Insurance Australia Group's value of 1.61 is 36.4% above this benchmark. While the company's 10-year median is 1.31 vs. the industry median of 1.18, Insurance Australia Group 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 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. Insurance Australia Group's current Debt-to-EBITDA of 1.61 is 36.4% 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 Insurance Australia Group. 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. Insurance Australia Group's current Debt-to-EBITDA is 1.61, which is 23% above median its own 10-year median of 1.31. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Insurance Australia Group stock overvalued right now?
Based on GuruFocus' analysis, Insurance Australia Group (IAUGF) is currently considered Modestly Overvalued. The stock's GF Value™ is $5.45, compared to a current price of $6.30 — trading 15.6% above its estimated fair value. The current Debt-to-EBITDA is 1.61, which is 23% above median its 10-year median of 1.31 and 36.4% above the Insurance industry median of 1.18. Insurance Australia Group's overall GF Score™ is 80/100 with 6 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 Insurance Australia Group (IAUGF), the current Debt-to-EBITDA is 1.61 as of Dec. 2025. 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 Insurance Australia Group (IAUGF) Overvalued in 2026?
Based on GuruFocus' analysis, Insurance Australia Group stock appears to be overvalued.
The current stock price of $6.30 is trading 15.6% above its estimated GF Value™ of $5.45.
GuruFocus considers Insurance Australia Group to be Modestly Overvalued.
Key valuation signals for IAUGF:
Debt-to-EBITDA: 1.61 (23% above median its 10-year median of 1.31)
GF Value™: $5.45 vs. price of $6.30 (15.6% above fair value)
Industry Position: 36.4% above the Insurance median (#157 of 321)
No single metric tells the full story. See the IAUGF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Insurance Australia Group is the biggest domestic general insurer by gross written premiums, operating in Australia and New Zealand. The key general insurance markets in which the company operates are home and contents, motor vehicle and compulsory third party, and short-tail commercial. Insurance Australia Group sells insurance under several brands, including NRMA, CGU, SGIO, SGIC, WFI, and Swann in Australia and NZI, State, AMI, and Lumley in New Zealand.
80GF Score
Get the complete analysis for IAUGF
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
IAUGF has been successfully added to your 
