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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.
The historical rank and industry rank for Powszechny Zaklad Ubezpieczen's Debt-to-EBITDA or its related term are showing as below:
LTS:0MYY'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.97 Med: 2.13 Max: 3.4
Current: 1.42
During the past 13 years, the highest Debt-to-EBITDA Ratio of Powszechny Zaklad Ubezpieczen was 3.40. The lowest was 0.97. And the median was 2.13.
LTS:0MYY's Debt-to-EBITDA is ranked worse than 56.43% of 319
companies
in the Insurance industry
Industry Median: 1.19
vs LTS:0MYY: 1.42
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.
Powszechny Zaklad Ubezpieczen Debt-to-EBITDA Related Terms
Powszechny Zaklad Ubezpieczen 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.
LTS:0MYY vs CB, PGR, TRV: Debt-to-EBITDA Comparison
For the Insurance - Property & Casualty subindustry, Powszechny Zaklad Ubezpieczen'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.
Powszechny Zaklad Ubezpieczen Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Powszechny Zaklad Ubezpieczen's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Powszechny Zaklad Ubezpieczen'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.
Powszechny Zaklad Ubezpieczen (LTS:0MYY) has a Debt-to-EBITDA of 1.59 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 Powszechny Zaklad Ubezpieczen. This is 25% below median its historical median of 2.13. Over the past decade, Powszechny Zaklad Ubezpieczen's Debt-to-EBITDA has ranged from 0.97 to 3.40. According to the industry distribution chart, Powszechny Zaklad Ubezpieczen ranks #180 out of 319 companies in the Insurance industry, placing it in the top 56.4%.
Is Powszechny Zaklad Ubezpieczen's Debt-to-EBITDA too high?
Powszechny Zaklad Ubezpieczen's current Debt-to-EBITDA of 1.59 is 25% below median its 10-year median of 2.13. Over the past 10 years, this metric has ranged from a low of 0.97 to a high of 3.40. The Insurance industry median Debt-to-EBITDA is 1.19. Powszechny Zaklad Ubezpieczen's value of 1.59 is 33.6% above this industry median. Based on the distribution chart, Powszechny Zaklad Ubezpieczen ranks #180 out of 319 companies in the Insurance industry, which is below the industry midpoint. Overall, Powszechny Zaklad Ubezpieczen has a GF Score™ of 79/100, reflecting its overall financial health beyond just this single metric.
How does Powszechny Zaklad Ubezpieczen's Debt-to-EBITDA compare to CB and PGR?
According to the Insurance industry distribution chart, Powszechny Zaklad Ubezpieczen ranks #180 out of 319 companies for Debt-to-EBITDA. This places Powszechny Zaklad Ubezpieczen in the lower half of its industry. The industry median Debt-to-EBITDA is 1.19. Powszechny Zaklad Ubezpieczen's value of 1.59 is 33.6% above this benchmark. Historically, Powszechny Zaklad Ubezpieczen's own Debt-to-EBITDA has ranged from 0.97 to 3.40 over the past decade. While the company's 10-year median is 2.13 vs. the industry median of 1.19, Powszechny Zaklad Ubezpieczen has consistently been above 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. Powszechny Zaklad Ubezpieczen's current Debt-to-EBITDA of 1.59 is 33.6% above 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 Powszechny Zaklad Ubezpieczen. 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. Powszechny Zaklad Ubezpieczen's current Debt-to-EBITDA is 1.59, which is 25% below median its own 10-year median of 2.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Powszechny Zaklad Ubezpieczen stock overvalued right now?
Powszechny Zaklad Ubezpieczen (LTS:0MYY) has a current Debt-to-EBITDA of 1.59. The stock's GF Value™ is zł37.19, compared to a current price of zł42.09 — trading 13.2% above its estimated fair value. The current Debt-to-EBITDA is 1.59, which is 25% below median its 10-year median of 2.13 and 33.6% above the Insurance industry median of 1.19. Powszechny Zaklad Ubezpieczen's overall GF Score™ is 79/100 with 9 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 Powszechny Zaklad Ubezpieczen (LTS:0MYY), the current Debt-to-EBITDA is 1.59 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 Powszechny Zaklad Ubezpieczen (LTS:0MYY) Overvalued in 2026?
Based on GuruFocus' analysis, Powszechny Zaklad Ubezpieczen stock appears to be overvalued.
The current stock price of zł42.09 is trading 13.2% above its estimated GF Value™ of zł37.19.
Key valuation signals for LTS:0MYY:
Debt-to-EBITDA: 1.59 (25% below median its 10-year median of 2.13)
GF Value™: zł37.19 vs. price of zł42.09 (13.2% above fair value)
Industry Position: 33.6% above the Insurance median (#180 of 319)
No single metric tells the full story. See the LTS:0MYY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Powszechny Zaklad Ubezpieczen SA is a property and casualty insurance company that operates in the Central and Eastern European region with an emphasis on the Polish market. The company's main strategic objectives include stable financial results, broad growth, and innovation. The vast majority of Powszechny's revenue is generated from gross written premiums, followed by results of its investment activities. The company serves clients through its own agency network along with sales through external agency centers.
79GF Score
Get the complete analysis for LTS:0MYY
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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