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OUTsurance GroupJSE:OUT +1.51%71 Debt-to-EBITDA is 0.04 as of Dec. 2025, which is 20% below its 10-year median of 0.05. GuruFocus rates JSE:OUT with a GF Score™ of 71/100 and a GF Value™ of R46.55 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 321 Insurance companies, OUTsurance Group ranks better than 93.77% 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 OUTsurance Group's Debt-to-EBITDA or its related term are showing as below:
JSE:OUT'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.01 Med: 0.05 Max: 0.75
Current: 0.04
During the past 13 years, the highest Debt-to-EBITDA Ratio of OUTsurance Group was 0.75. The lowest was 0.01. And the median was 0.05.
JSE:OUT's Debt-to-EBITDA is ranked better than 93.77% of 321
companies
in the Insurance industry
Industry Median: 1.19
vs JSE:OUT: 0.04
OUTsurance Group (JSE:OUT) 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.
OUTsurance Group Debt-to-EBITDA Related Terms
OUTsurance Group Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for OUTsurance Group'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.
JSE:OUT vs BRK.A, AIG, HIG: Debt-to-EBITDA Comparison
For the Insurance - Diversified subindustry, OUTsurance 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.
OUTsurance Group Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, OUTsurance Group's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where OUTsurance 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.
OUTsurance Group (JSE:OUT) has a Debt-to-EBITDA of 0.04 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 OUTsurance Group. This is 20% below median its historical median of 0.05. Over the past decade, OUTsurance Group's Debt-to-EBITDA has ranged from 0.01 to 0.75. According to the industry distribution chart, OUTsurance Group ranks #20 out of 321 companies in the Insurance industry, placing it in the top 6.2%.
Is OUTsurance Group's Debt-to-EBITDA too high?
OUTsurance Group's current Debt-to-EBITDA of 0.04 is 20% below median its 10-year median of 0.05. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 0.75. The Insurance industry median Debt-to-EBITDA is 1.19. OUTsurance Group's value of 0.04 is 96.6% below this industry median. Based on the distribution chart, OUTsurance Group ranks #20 out of 321 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, OUTsurance Group has a GF Score™ of 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does OUTsurance Group's Debt-to-EBITDA compare to BRK.A and AIG?
According to the Insurance industry distribution chart, OUTsurance Group ranks #20 out of 321 companies for Debt-to-EBITDA. This places OUTsurance Group in the top 6% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 1.19. OUTsurance Group's value of 0.04 is 96.6% below this benchmark. Historically, OUTsurance Group's own Debt-to-EBITDA has ranged from 0.01 to 0.75 over the past decade. While the company's 10-year median is 0.05 vs. the industry median of 1.19, OUTsurance Group 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 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. OUTsurance Group's current Debt-to-EBITDA of 0.04 is 96.6% 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 OUTsurance Group. 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. OUTsurance Group's current Debt-to-EBITDA is 0.04, which is 20% below median its own 10-year median of 0.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is OUTsurance Group stock overvalued right now?
Based on GuruFocus' analysis, OUTsurance Group (JSE:OUT) is currently considered Significantly Overvalued. The stock's GF Value™ is R46.55, compared to a current price of R82.18 — trading 76.5% above its estimated fair value. The current Debt-to-EBITDA is 0.04, which is 20% below median its 10-year median of 0.05 and 96.6% below the Insurance industry median of 1.19. OUTsurance Group's overall GF Score™ is 71/100 with 3 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 OUTsurance Group (JSE:OUT), the current Debt-to-EBITDA is 0.04 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 OUTsurance Group (JSE:OUT) Overvalued in 2026?
Based on GuruFocus' analysis, OUTsurance Group stock appears to be overvalued.
The current stock price of R82.18 is trading 76.5% above its estimated GF Value™ of R46.55.
GuruFocus considers OUTsurance Group to be Significantly Overvalued.
Key valuation signals for JSE:OUT:
Debt-to-EBITDA: 0.04 (20% below median its 10-year median of 0.05)
GF Value™: R46.55 vs. price of R82.18 (76.5% above fair value)
Industry Position: 96.6% below the Insurance median (#20 of 321)
No single metric tells the full story. See the JSE:OUT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
OUTsurance Group Ltd is an insurance group that specialises in Property and Casualty insurance. Its main segments include personal insurance, business insurance, compulsory third-party vehicle insurance, life insurance, and administration services. The company provides motor, home, business, life, funeral, and pet insurance products through its subsidiaries. The company's primary source of revenue is insurance premiums. The group's activities are focused on the South African, Australian and Irish markets.
71GF Score
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