AIICO Insurance (NSA:AIIC) Debt-to-EBITDA : N/A (As of Mar. 2026)


NSA:AIIC AIICO Insurance PLC NSA:AIIC
44 GF Score
Price ₦3.95
GF Value ₦4.99
Valuation Modestly Undervalued
! 2 Warning Signs
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What is AIICO Insurance Debt-to-EBITDA?

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

AIICO Insurance's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2026 was ₦0 Mil. AIICO Insurance's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2026 was ₦106,095 Mil. AIICO Insurance's annualized EBITDA for the quarter that ended in Mar. 2026 was ₦0 Mil.

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 AIICO Insurance's Debt-to-EBITDA or its related term are showing as below:

During the past 11 years, the highest Debt-to-EBITDA Ratio of AIICO Insurance was 3.47. The lowest was 0.34. And the median was 2.39.

NSA:AIIC's Debt-to-EBITDA is not ranked *
in the Insurance industry.
Industry Median: 1.185
* Ranked among companies with meaningful Debt-to-EBITDA only.

AIICO Insurance  (NSA:AIIC) 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.

AIICO Insurance Debt-to-EBITDA Related Terms

AIICO Insurance Debt-to-EBITDA Historical Data

* Premium members only.

The historical data trend for AIICO Insurance'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.

AIICO Insurance Debt-to-EBITDA Chart

AIICO Insurance Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-EBITDA
Get a 7-Day Free Trial Premium Member Only Premium Member Only N/A 2.95 1.70 2.29 2.50

AIICO Insurance Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Debt-to-EBITDA Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only N/A N/A N/A N/A N/A

NSA:AIIC vs BRK.A, AIG, HIG: Debt-to-EBITDA Comparison

For the Insurance - Diversified subindustry, AIICO Insurance'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.

AIICO Insurance Debt-to-EBITDA vs Insurance Industry

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

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


NSA:AIIC
44GF Score
AIICO Insurance PLC NSA:AIIC
Debt-to-EBITDA is just one metric. See GF Score™, valuation, warning signs, and more.
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AIICO Insurance Debt-to-EBITDA Calculation

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

AIICO Insurance'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
=(0 + 97454.037) / 39021.904
=2.50

AIICO Insurance's annualized Debt-to-EBITDA for the quarter that ended in Mar. 2026 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(0 + 106095.228) / 0
=N/A

* 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.

Is AIICO Insurance (NSA:AIIC) Overvalued in 2026?

Based on GuruFocus' analysis, AIICO Insurance stock appears to be undervalued. The current stock price of ₦3.95 is trading 20.8% below its estimated GF Value™ of ₦4.99. GuruFocus considers AIICO Insurance to be Modestly Undervalued.

Key valuation signals for NSA:AIIC:

  • Debt-to-EBITDA: N/A
  • GF Value™: ₦4.99 vs. price of ₦3.95 (20.8% below fair value)
  • GF Score™: 44/100 with 2 warning signs

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

AIICO Insurance Business Description

Address Churchgate Street, Plot PC 12, AIICO Plaza, Victoria Island, Lagos, NGA
AIICO Insurance PLC provides life and health insurance, general insurance, investment management, and pension management services as a means to create and protect wealth for individuals, families, and corporate customers in Nigeria. The company's key business areas include Life Insurance Business, Non-Life Insurance Business, Health, and Wealth Management, Deposit Administration, and Financial Services to organizations and private individuals. The group has four reportable segments: Life business, which generates maximum revenue, General business, Health management services, and Asset management. The life insurance segment offers savings, protection products and other long-term contracts. It comprises of whole life, term assurance, guaranteed pensions, pure endowment pensions and Others.
44GF Score

Get the complete analysis for NSA:AIIC

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

₦3.95
Price
₦4.99
GF Value