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Sjova-Almennar tryggingar hfOISE:SJOVA +1.78%65 Debt-to-EBITDA is 0.47 as of Mar. 2026, which is 176% above its 10-year median of 0.17. GuruFocus rates OISE:SJOVA with a GF Score™ of 65/100. The stock has 3 warning signs investors should review. Among 320 Insurance companies, Sjova-Almennar tryggingar hf ranks better than 79.06% 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 Sjova-Almennar tryggingar hf's Debt-to-EBITDA or its related term are showing as below:
OISE:SJOVA'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.04 Med: 0.17 Max: 0.37
Current: 0.29
During the past 13 years, the highest Debt-to-EBITDA Ratio of Sjova-Almennar tryggingar hf was 0.37. The lowest was 0.04. And the median was 0.17.
OISE:SJOVA's Debt-to-EBITDA is ranked better than 79.06% of 320
companies
in the Insurance industry
Industry Median: 1.19
vs OISE:SJOVA: 0.29
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.
Sjova-Almennar tryggingar hf Debt-to-EBITDA Related Terms
Sjova-Almennar tryggingar hf 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.
OISE:SJOVA vs CB, PGR, TRV: Debt-to-EBITDA Comparison
For the Insurance - Property & Casualty subindustry, Sjova-Almennar tryggingar hf'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.
Sjova-Almennar tryggingar hf Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Sjova-Almennar tryggingar hf's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Sjova-Almennar tryggingar hf'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.
Sjova-Almennar tryggingar hf (OISE:SJOVA) has a Debt-to-EBITDA of 0.47 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 Sjova-Almennar tryggingar hf. This is 176% above median its historical median of 0.17. Over the past decade, Sjova-Almennar tryggingar hf's Debt-to-EBITDA has ranged from 0.04 to 0.37. According to the industry distribution chart, Sjova-Almennar tryggingar hf ranks #67 out of 320 companies in the Insurance industry, placing it in the top 20.9%.
Is Sjova-Almennar tryggingar hf's Debt-to-EBITDA too high?
Sjova-Almennar tryggingar hf's current Debt-to-EBITDA of 0.47 is 176% above median its 10-year median of 0.17. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 0.37. The Insurance industry median Debt-to-EBITDA is 1.19. Sjova-Almennar tryggingar hf's value of 0.47 is 60.5% below this industry median. Based on the distribution chart, Sjova-Almennar tryggingar hf ranks #67 out of 320 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Sjova-Almennar tryggingar hf has a GF Score™ of 65/100, reflecting its overall financial health beyond just this single metric.
How does Sjova-Almennar tryggingar hf's Debt-to-EBITDA compare to CB and PGR?
According to the Insurance industry distribution chart, Sjova-Almennar tryggingar hf ranks #67 out of 320 companies for Debt-to-EBITDA. This places Sjova-Almennar tryggingar hf in the top 21% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 1.19. Sjova-Almennar tryggingar hf's value of 0.47 is 60.5% below this benchmark. Historically, Sjova-Almennar tryggingar hf's own Debt-to-EBITDA has ranged from 0.04 to 0.37 over the past decade. While the company's 10-year median is 0.17 vs. the industry median of 1.19, Sjova-Almennar tryggingar hf 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 320 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. Sjova-Almennar tryggingar hf's current Debt-to-EBITDA of 0.47 is 60.5% 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 Sjova-Almennar tryggingar hf. 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. Sjova-Almennar tryggingar hf's current Debt-to-EBITDA is 0.47, which is 176% above median its own 10-year median of 0.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sjova-Almennar tryggingar hf stock overvalued right now?
Sjova-Almennar tryggingar hf (OISE:SJOVA) has a current Debt-to-EBITDA of 0.47. The current Debt-to-EBITDA is 0.47, which is 176% above median its 10-year median of 0.17 and 60.5% below the Insurance industry median of 1.19. Sjova-Almennar tryggingar hf's overall GF Score™ is 65/100 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 Sjova-Almennar tryggingar hf (OISE:SJOVA), the current Debt-to-EBITDA is 0.47 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.
Sjova-Almennar tryggingar hf is an insurance company. It offers motor vehicle insurance, family and home insurance, life and critical illness insurance, medical cost insurance, life & health insurance in iceland. It also provides fire insurance, commercial property insurance, vessel crew insurance, transport cargo insurance, life- and critical illness insurance, and medical cost insurance.
65GF Score
Get the complete analysis for OISE:SJOVA
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