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Lancashire HoldingsLCSHF -0.98%77 Debt-to-EBITDA is 1.18 as of Dec. 2025, which is 28% below its 10-year median of 1.65. GuruFocus rates LCSHF with a GF Score™ of 77/100 and a GF Value™ of $10.91 (Modestly Undervalued). The stock has 7 warning signs investors should review. Among 321 Insurance companies, Lancashire Holdings ranks worse than 54.52% 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 Lancashire Holdings's Debt-to-EBITDA or its related term are showing as below:
LCSHF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -17.43 Med: 1.65 Max: 37.86
Current: 1.4
During the past 13 years, the highest Debt-to-EBITDA Ratio of Lancashire Holdings was 37.86. The lowest was -17.43. And the median was 1.65.
LCSHF's Debt-to-EBITDA is ranked worse than 54.52% of 321
companies
in the Insurance industry
Industry Median: 1.19
vs LCSHF: 1.40
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.
Lancashire Holdings Debt-to-EBITDA Related Terms
Lancashire Holdings Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Lancashire Holdings'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 - Specialty subindustry, Lancashire Holdings'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.
Lancashire Holdings Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Lancashire Holdings's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Lancashire Holdings'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.
Lancashire Holdings (LCSHF) has a Debt-to-EBITDA of 1.18 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 Lancashire Holdings. This is 28% below median its historical median of 1.65. According to the industry distribution chart, Lancashire Holdings ranks #175 out of 321 companies in the Insurance industry, placing it in the top 54.5%.
Is Lancashire Holdings' Debt-to-EBITDA too high?
Lancashire Holdings' current Debt-to-EBITDA of 1.18 is 28% below median its 10-year median of 1.65. The Insurance industry median Debt-to-EBITDA is 1.19. Lancashire Holdings' value of 1.18 is 0.8% below this industry median. Based on the distribution chart, Lancashire Holdings ranks #175 out of 321 companies in the Insurance industry, which is below the industry midpoint. Overall, Lancashire Holdings has a GF Score™ of 77/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Lancashire Holdings' Debt-to-EBITDA compare to FNF and AXS?
According to the Insurance industry distribution chart, Lancashire Holdings ranks #175 out of 321 companies for Debt-to-EBITDA. This places Lancashire Holdings in the lower half of its industry. The industry median Debt-to-EBITDA is 1.19. Lancashire Holdings' value of 1.18 is 0.8% below this benchmark. While the company's 10-year median is 1.65 vs. the industry median of 1.19, Lancashire Holdings 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. Lancashire Holdings's current Debt-to-EBITDA of 1.18 is 0.8% 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 Lancashire Holdings. 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. Lancashire Holdings's current Debt-to-EBITDA is 1.18, which is 28% below median its own 10-year median of 1.65. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Lancashire Holdings stock overvalued right now?
Based on GuruFocus' analysis, Lancashire Holdings (LCSHF) is currently considered Modestly Undervalued. The stock's GF Value™ is $10.91, compared to a current price of $8.70 — trading 20.3% below its estimated fair value. The current Debt-to-EBITDA is 1.18, which is 28% below median its 10-year median of 1.65 and 0.8% below the Insurance industry median of 1.19. Lancashire Holdings' overall GF Score™ is 77/100 with 7 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 Lancashire Holdings (LCSHF), the current Debt-to-EBITDA is 1.18 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 Lancashire Holdings (LCSHF) Overvalued in 2026?
Based on GuruFocus' analysis, Lancashire Holdings stock appears to be undervalued.
The current stock price of $8.70 is trading 20.3% below its estimated GF Value™ of $10.91.
GuruFocus considers Lancashire Holdings to be Modestly Undervalued.
Key valuation signals for LCSHF:
Debt-to-EBITDA: 1.18 (28% below median its 10-year median of 1.65)
GF Value™: $10.91 vs. price of $8.70 (20.3% below fair value)
Industry Position: 0.8% below the Insurance median (#175 of 321)
No single metric tells the full story. See the LCSHF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Lancashire Holdings Ltd is a provider of specialty reinsurance products with operations in London, Bermuda, the United States, and Australia. The company has two principal segments: reinsurance and insurance. The company generates the majority of its revenue from the Insurance segment. The Group's reinsurance segment comprises property reinsurance, specialty reinsurance, and casualty reinsurance. The insurance segment is usually written on a direct or facultative basis and comprises aviation insurance, casualty insurance, energy and marine insurance, property insurance, and specialty insurance. Geographically, the company generates the majority of its revenue from the United States and Canada.
77GF Score
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