Agesa Hayat Ve Emeklilik AS (IST:AGESA) Debt-to-EBITDA : N/A (As of Mar. 2026)

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IST:AGESA Agesa Hayat Ve Emeklilik AS IST:AGESA
58 GF Score
Price ₺237.90
GF Value ₺333.69
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Agesa Hayat Ve Emeklilik AS Debt-to-EBITDA?

Debt-to-EBITDA measures a company's ability to pay off its debt.

Agesa Hayat Ve Emeklilik AS's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2026 was ₺114 Mil. Agesa Hayat Ve Emeklilik AS's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2026 was ₺229 Mil. Agesa Hayat Ve Emeklilik AS's annualized EBITDA for the quarter that ended in Mar. 2026 was ₺0 Mil.

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 Agesa Hayat Ve Emeklilik AS's Debt-to-EBITDA or its related term are showing as below:

During the past 13 years, the highest Debt-to-EBITDA Ratio of Agesa Hayat Ve Emeklilik AS was 0.10. The lowest was 0.06. And the median was 0.08.

IST:AGESA's Debt-to-EBITDA is not ranked *
in the Insurance industry.
Industry Median: 1.19
* Ranked among companies with meaningful Debt-to-EBITDA only.

Agesa Hayat Ve Emeklilik AS  (IST:AGESA) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.

Be Aware

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.

Agesa Hayat Ve Emeklilik AS Debt-to-EBITDA Related Terms

Agesa Hayat Ve Emeklilik AS Debt-to-EBITDA Historical Data

* Premium members only.

The historical data trend for Agesa Hayat Ve Emeklilik AS'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.

Agesa Hayat Ve Emeklilik AS Debt-to-EBITDA Chart

Agesa Hayat Ve Emeklilik AS Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-EBITDA
Get a 7-Day Free Trial Premium Member Only Premium Member Only N/A N/A N/A N/A N/A

Agesa Hayat Ve Emeklilik AS Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Debt-to-EBITDA Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only N/A N/A N/A N/A N/A

IST:AGESA vs BRK.A, AIG, HIG: Debt-to-EBITDA Comparison

For the Insurance - Diversified subindustry, Agesa Hayat Ve Emeklilik AS'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.

Agesa Hayat Ve Emeklilik AS Debt-to-EBITDA vs Insurance Industry

For the Insurance industry and Financial Services sector, Agesa Hayat Ve Emeklilik AS's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where Agesa Hayat Ve Emeklilik AS's Debt-to-EBITDA falls into.


IST:AGESA
58GF Score
Agesa Hayat Ve Emeklilik AS IST:AGESA
Debt-to-EBITDA is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Agesa Hayat Ve Emeklilik AS Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

Agesa Hayat Ve Emeklilik AS's Debt-to-EBITDA for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(116.829 + 207.136) / N/A
=N/A

Agesa Hayat Ve Emeklilik AS's annualized Debt-to-EBITDA for the quarter that ended in Mar. 2026 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(113.541 + 229.405) / 0
=N/A

* 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.

Is Agesa Hayat Ve Emeklilik AS (IST:AGESA) Overvalued in 2026?

Based on GuruFocus' analysis, Agesa Hayat Ve Emeklilik AS stock appears to be undervalued. The current stock price of ₺237.90 is trading 28.7% below its estimated GF Value™ of ₺333.69. GuruFocus considers Agesa Hayat Ve Emeklilik AS to be Modestly Undervalued.

Key valuation signals for IST:AGESA:

  • Debt-to-EBITDA: N/A
  • GF Value™: ₺333.69 vs. price of ₺237.90 (28.7% below fair value)
  • GF Score™: 58/100 with 2 warning signs

No single metric tells the full story. See the IST:AGESA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Agesa Hayat Ve Emeklilik AS Business Description

Address icerenkoy Mah. Umut Street, Quick Tower Site, N 10-12/9, Atasehir, Istanbul, TUR, 34768
Agesa Hayat Ve Emeklilik AS is a diversified insurance company that provides private pension and life insurance services to customers in Turkey. The company operates various distribution channels including direct advisor sales, sales from the bank branch representatives, agents, and telemarketing. AvivaSA reports through four segments, including Pension, Life Protection, Life Savings, and Personal Accident. The company generates key revenue through its Life Protection segment.
58GF Score

Get the complete analysis for IST:AGESA

Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₺237.90
Price
₺333.69
GF Value