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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.
ISX:CASA'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.54 Med: 0.86 Max: 2.57
Current: 0.75
During the past 11 years, the highest Debt-to-EBITDA Ratio of PT Capital Financial Indonesia Tbk was 2.57. The lowest was 0.54. And the median was 0.86.
ISX:CASA's Debt-to-EBITDA is ranked better than 64.26% of 319
companies
in the Insurance industry
Industry Median: 1.19
vs ISX:CASA: 0.75
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.
PT Capital Financial Indonesia Tbk Debt-to-EBITDA Related Terms
PT Capital Financial Indonesia Tbk 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.
PT Capital Financial Indonesia Tbk Debt-to-EBITDA Chart
ISX:CASA vs AFL, MET, PRU: Debt-to-EBITDA Comparison
For the Insurance - Life subindustry, PT Capital Financial Indonesia Tbk'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.
PT Capital Financial Indonesia Tbk Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, PT Capital Financial Indonesia Tbk's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where PT Capital Financial Indonesia Tbk'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.
PT Capital Financial Indonesia Tbk (ISX:CASA) has a Debt-to-EBITDA of 0.53 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 PT Capital Financial Indonesia Tbk. This is 38% below median its historical median of 0.86. Over the past decade, PT Capital Financial Indonesia Tbk's Debt-to-EBITDA has ranged from 0.54 to 2.57. According to the industry distribution chart, PT Capital Financial Indonesia Tbk ranks #114 out of 319 companies in the Insurance industry, placing it in the top 35.7%.
Is PT Capital Financial Indonesia Tbk's Debt-to-EBITDA too high?
PT Capital Financial Indonesia Tbk's current Debt-to-EBITDA of 0.53 is 38% below median its 10-year median of 0.86. Over the past 10 years, this metric has ranged from a low of 0.54 to a high of 2.57. The Insurance industry median Debt-to-EBITDA is 1.19. PT Capital Financial Indonesia Tbk's value of 0.53 is 55.5% below this industry median. Based on the distribution chart, PT Capital Financial Indonesia Tbk ranks #114 out of 319 companies in the Insurance industry, which is above the industry midpoint. Overall, PT Capital Financial Indonesia Tbk has a GF Score™ of 50/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PT Capital Financial Indonesia Tbk's Debt-to-EBITDA compare to AFL and MET?
According to the Insurance industry distribution chart, PT Capital Financial Indonesia Tbk ranks #114 out of 319 companies for Debt-to-EBITDA. This puts PT Capital Financial Indonesia Tbk in the upper half of its industry. The industry median Debt-to-EBITDA is 1.19. PT Capital Financial Indonesia Tbk's value of 0.53 is 55.5% below this benchmark. Historically, PT Capital Financial Indonesia Tbk's own Debt-to-EBITDA has ranged from 0.54 to 2.57 over the past decade. While the company's 10-year median is 0.86 vs. the industry median of 1.19, PT Capital Financial Indonesia Tbk has consistently been below 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 1.19, based on 319 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. PT Capital Financial Indonesia Tbk's current Debt-to-EBITDA of 0.53 is 55.5% 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 PT Capital Financial Indonesia Tbk. 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. PT Capital Financial Indonesia Tbk's current Debt-to-EBITDA is 0.53, which is 38% below median its own 10-year median of 0.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Capital Financial Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Capital Financial Indonesia Tbk (ISX:CASA) is currently considered Significantly Overvalued. The stock's GF Value™ is Rp754.92, compared to a current price of Rp1,830.00 — trading 142.4% above its estimated fair value. The current Debt-to-EBITDA is 0.53, which is 38% below median its 10-year median of 0.86 and 55.5% below the Insurance industry median of 1.19. PT Capital Financial Indonesia Tbk's overall GF Score™ is 50/100 with 5 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 PT Capital Financial Indonesia Tbk (ISX:CASA), the current Debt-to-EBITDA is 0.53 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 PT Capital Financial Indonesia Tbk (ISX:CASA) Overvalued in 2026?
Based on GuruFocus' analysis, PT Capital Financial Indonesia Tbk stock appears to be overvalued.
The current stock price of Rp1,830.00 is trading 142.4% above its estimated GF Value™ of Rp754.92.
GuruFocus considers PT Capital Financial Indonesia Tbk to be Significantly Overvalued.
Key valuation signals for ISX:CASA:
Debt-to-EBITDA: 0.53 (38% below median its 10-year median of 0.86)
GF Value™: Rp754.92 vs. price of Rp1,830.00 (142.4% above fair value)
Industry Position: 55.5% below the Insurance median (#114 of 319)
No single metric tells the full story. See the ISX:CASA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Capital Financial Indonesia Tbk is engaged in providing several investment and financial services mainly in Indonesia. It offers a wide range of banking products and services, fintech solutions, management consultancy, insurance products, and other financial solutions. The Group classifies its business activities into the following four business segments: Management consulting services, Investment management, Life insurance, Life insurance sharia, Banks, Ventura, and Others. The majority of its revenue is generated from the Life insurance segment, which focuses on providing protection solutions for individual and group segments, as well as pension fund programs (DPLK).
50GF Score
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