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Royal ExchangeNSA:ROYALEX +4.23%9 Debt-to-EBITDA is 1.76 as of Dec. 2025, which is 63% above its 10-year median of 1.08. GuruFocus rates NSA:ROYALEX with a GF Score™ of 9/100. The stock has 5 warning signs investors should review. Among 321 Insurance companies, Royal Exchange ranks worse than 63.24% 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 Royal Exchange's Debt-to-EBITDA or its related term are showing as below:
NSA:ROYALEX'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -19.72 Med: 1.08 Max: 10.78
Current: 1.76
During the past 13 years, the highest Debt-to-EBITDA Ratio of Royal Exchange was 10.78. The lowest was -19.72. And the median was 1.08.
NSA:ROYALEX's Debt-to-EBITDA is ranked worse than 63.24% of 321
companies
in the Insurance industry
Industry Median: 1.18
vs NSA:ROYALEX: 1.76
Royal Exchange (NSA:ROYALEX) 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.
Royal Exchange Debt-to-EBITDA Related Terms
Royal Exchange Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Royal Exchange'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.
NSA:ROYALEX vs BRK.A, AIG, HIG: Debt-to-EBITDA Comparison
For the Insurance - Diversified subindustry, Royal Exchange'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.
Royal Exchange Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Royal Exchange's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Royal Exchange'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 one times the quarterly (Dec. 2025) EBITDA data.
Royal Exchange (NSA:ROYALEX) has a Debt-to-EBITDA of 1.76 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 Royal Exchange. This is 63% above median its historical median of 1.08. According to the industry distribution chart, Royal Exchange ranks #203 out of 321 companies in the Insurance industry, placing it in the top 63.2%.
Is Royal Exchange's Debt-to-EBITDA too high?
Royal Exchange's current Debt-to-EBITDA of 1.76 is 63% above median its 10-year median of 1.08. The Insurance industry median Debt-to-EBITDA is 1.18. Royal Exchange's value of 1.76 is 49.2% above this industry median. Based on the distribution chart, Royal Exchange ranks #203 out of 321 companies in the Insurance industry, which is below the industry midpoint. Overall, Royal Exchange has a GF Score™ of 9/100, reflecting its overall financial health beyond just this single metric.
How does Royal Exchange's Debt-to-EBITDA compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Royal Exchange ranks #203 out of 321 companies for Debt-to-EBITDA. This places Royal Exchange in the lower half of its industry. The industry median Debt-to-EBITDA is 1.18. Royal Exchange's value of 1.76 is 49.2% above this benchmark. While the company's 10-year median is 1.08 vs. the industry median of 1.18, Royal Exchange 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 1.18, 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. Royal Exchange's current Debt-to-EBITDA of 1.76 is 49.2% 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 Royal Exchange. For the Insurance industry, the median Debt-to-EBITDA is 1.18 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Royal Exchange's current Debt-to-EBITDA is 1.76, which is 63% above median its own 10-year median of 1.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Royal Exchange stock overvalued right now?
Royal Exchange (NSA:ROYALEX) has a current Debt-to-EBITDA of 1.76. The current Debt-to-EBITDA is 1.76, which is 63% above median its 10-year median of 1.08 and 49.2% above the Insurance industry median of 1.18. Royal Exchange's overall GF Score™ is 9/100 with 5 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 Royal Exchange (NSA:ROYALEX), the current Debt-to-EBITDA is 1.76 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.
Royal Exchange PLC principal activities are general insurance, health insurance, and credit financing, with segments including Life Insurance, Healthcare, and Credit Financing.
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