AIA Group (LTS:0A6Q) Debt-to-EBITDA : (As of Jun. 2026)

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LTS:0A6Q AIA Group Ltd LTS:0A6Q
50 GF Score
Price $38.94
GF Value $34.14
Valuation Modestly Overvalued
! 2 Warning Signs
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What is AIA Group Debt-to-EBITDA?

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

AIA Group's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was $7,265 Mil. AIA Group's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was $13,892 Mil. AIA Group's annualized EBITDA for the quarter that ended in Jun. 2026 was $11,472 Mil. AIA Group's annualized Debt-to-EBITDA for the quarter that ended in Jun. 2026 was 1.84.

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 AIA Group's Debt-to-EBITDA or its related term are showing as below:

LTS:0A6Q' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.53   Med: 1.12   Max: 2.42
Current: 1.33

During the past 13 years, the highest Debt-to-EBITDA Ratio of AIA Group was 2.42. The lowest was 0.53. And the median was 1.12.

LTS:0A6Q's Debt-to-EBITDA is ranked worse than
53.85% of 312 companies
in the Insurance industry
Industry Median: 1.23 vs LTS:0A6Q: 1.33

AIA Group  (LTS:0A6Q) 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.

AIA Group Debt-to-EBITDA Related Terms

AIA Group Debt-to-EBITDA Historical Data

* Premium members only.

The historical data trend for AIA 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.

AIA Group Debt-to-EBITDA Chart

AIA Group Annual Data
Trend Nov16 Nov17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-EBITDA
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AIA Group Semi-Annual Data
Nov16 May17 Nov17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25 Jun26
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LTS:0A6Q vs MET, AFL, PRU: Debt-to-EBITDA Comparison

For the Insurance - Life subindustry, AIA 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.

AIA Group Debt-to-EBITDA vs Insurance Industry

For the Insurance industry and Financial Services sector, AIA Group's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where AIA Group's Debt-to-EBITDA falls into.


LTS:0A6Q
50GF Score
AIA Group Ltd LTS:0A6Q
Debt-to-EBITDA is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

AIA Group Debt-to-EBITDA Calculation

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

AIA Group'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
=(5910.1423128 + 14671.35327768) / 8080.3541701765
=2.55

AIA Group's annualized Debt-to-EBITDA for the quarter that ended in Jun. 2026 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(7265.13233924 + 13892.253056672) / 11472.411610536
=1.84

* 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 (Jun. 2026) EBITDA data.

Is AIA Group (LTS:0A6Q) Overvalued in 2026?

Based on GuruFocus' analysis, AIA Group stock appears to be overvalued. The current stock price of $38.94 is trading 14.1% above its estimated GF Value™ of $34.14. GuruFocus considers AIA Group to be Modestly Overvalued.

Key valuation signals for LTS:0A6Q:

  • Debt-to-EBITDA:
  • GF Value™: $34.14 vs. price of $38.94 (14.1% above fair value)
  • GF Score™: 50/100 with 2 warning signs

No single metric tells the full story. See the LTS:0A6Q stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

AIA Group Business Description

Address No. 1 Connaught Road Central, 35th Floor, AIA Central, Hong Kong, HKG
Headquartered in Hong Kong, AIA stands as one of the largest pan-Asian life insurance providers, offering a diversified portfolio of products spanning retirement savings plans, life insurance, and accident and health coverage. Formerly a subsidiary of American International Group, the company spun off and listed independently on the Hong Kong Stock Exchange in 2010. Beyond individual customers, AIA also delivers employee benefits, credit life, and pension services to corporate clients. With operations across 18 markets, the insurer serves more than 30 million individual policyholders and over 16 million members participating in group insurance schemes.
50GF Score

Get the complete analysis for LTS:0A6Q

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

$38.94
Price
$34.14
GF Value