Momentum GroupMMTHF +207.14%47 Debt-to-EBITDA is 0.31 as of Dec. 2025, which is 26% below its 10-year median of 0.42. GuruFocus rates MMTHF with a GF Score™ of 47/100 and a GF Value™ of $0.91 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 322 Insurance companies, Momentum Group ranks better than 78.57% 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 Momentum Group's Debt-to-EBITDA or its related term are showing as below:
MMTHF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.33 Med: 0.42 Max: 0.89
Current: 0.33
During the past 13 years, the highest Debt-to-EBITDA Ratio of Momentum Group was 0.89. The lowest was 0.33. And the median was 0.42.
MMTHF's Debt-to-EBITDA is ranked better than 78.57% of 322
companies
in the Insurance industry
Industry Median: 1.185
vs MMTHF: 0.33
Momentum Group (OTCPK:MMTHF) 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.
Momentum Group Debt-to-EBITDA Related Terms
Momentum Group Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Momentum 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.
MMTHF vs BRK.A, AIG, HIG: Debt-to-EBITDA Comparison
For the Insurance - Diversified subindustry, Momentum 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.
Momentum Group Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Momentum Group's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Momentum 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.
Momentum Group (MMTHF) has a Debt-to-EBITDA of 0.31 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 Momentum Group. This is 26% below median its historical median of 0.42. Over the past decade, Momentum Group's Debt-to-EBITDA has ranged from 0.33 to 0.89. According to the industry distribution chart, Momentum Group ranks #69 out of 322 companies in the Insurance industry, placing it in the top 21.4%.
Is Momentum Group's Debt-to-EBITDA too high?
Momentum Group's current Debt-to-EBITDA of 0.31 is 26% below median its 10-year median of 0.42. Over the past 10 years, this metric has ranged from a low of 0.33 to a high of 0.89. The Insurance industry median Debt-to-EBITDA is 1.19. Momentum Group's value of 0.31 is 73.8% below this industry median. Based on the distribution chart, Momentum Group ranks #69 out of 322 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Momentum Group has a GF Score™ of 47/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Momentum Group's Debt-to-EBITDA compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Momentum Group ranks #69 out of 322 companies for Debt-to-EBITDA. This places Momentum Group in the top 21% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 1.19. Momentum Group's value of 0.31 is 73.8% below this benchmark. Historically, Momentum Group's own Debt-to-EBITDA has ranged from 0.33 to 0.89 over the past decade. While the company's 10-year median is 0.42 vs. the industry median of 1.19, Momentum 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 322 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. Momentum Group's current Debt-to-EBITDA of 0.31 is 73.8% 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 Momentum 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. Momentum Group's current Debt-to-EBITDA is 0.31, which is 26% below median its own 10-year median of 0.42. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Momentum Group stock overvalued right now?
Based on GuruFocus' analysis, Momentum Group (MMTHF) is currently considered Significantly Overvalued. The stock's GF Value™ is $0.91, compared to a current price of $2.15 — trading 136.3% above its estimated fair value. The current Debt-to-EBITDA is 0.31, which is 26% below median its 10-year median of 0.42 and 73.8% below the Insurance industry median of 1.19. Momentum Group's overall GF Score™ is 47/100 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 Momentum Group (MMTHF), the current Debt-to-EBITDA is 0.31 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 Momentum Group (MMTHF) Overvalued in 2026?
Based on GuruFocus' analysis, Momentum Group stock appears to be overvalued.
The current stock price of $2.15 is trading 136.3% above its estimated GF Value™ of $0.91.
GuruFocus considers Momentum Group to be Significantly Overvalued.
Key valuation signals for MMTHF:
Debt-to-EBITDA: 0.31 (26% below median its 10-year median of 0.42)
GF Value™: $0.91 vs. price of $2.15 (136.3% above fair value)
Industry Position: 73.8% below the Insurance median (#69 of 322)
No single metric tells the full story. See the MMTHF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Momentum Group Ltd is engaged in life insurance and integrated financial services sectors. It operates in South Africa, the UK, Guernsey, India, Botswana, Ghana, Lesotho, Mozambique, and Namibia. The company operates through brands like Momentum, Metropolitan, Guardrisk, and Eris Properties.
47GF Score
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