Skagi hfOISE:VIS +1.90%69 Debt-to-EBITDA is 26.99 as of Mar. 2026, which is 2059% above its 10-year median of 1.25. GuruFocus rates OISE:VIS with a GF Score™ of 69/100 and a GF Value™ of kr22.02 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 322 Insurance companies, Skagi hf ranks worse than 94.72% 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 Skagi hf's Debt-to-EBITDA or its related term are showing as below:
OISE:VIS'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.4 Med: 1.25 Max: 6.85
Current: 6.85
During the past 13 years, the highest Debt-to-EBITDA Ratio of Skagi hf was 6.85. The lowest was 0.40. And the median was 1.25.
OISE:VIS's Debt-to-EBITDA is ranked worse than 94.72% of 322
companies
in the Insurance industry
Industry Median: 1.185
vs OISE:VIS: 6.85
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.
Skagi hf Debt-to-EBITDA Related Terms
Skagi hf Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Skagi hf'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.
OISE:VIS vs BRK.A, AIG, HIG: Debt-to-EBITDA Comparison
For the Insurance - Diversified subindustry, Skagi 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.
Skagi hf Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Skagi hf's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Skagi 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.
Skagi hf (OISE:VIS) has a Debt-to-EBITDA of 26.99 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 Skagi hf. This is 2059% above median its historical median of 1.25. Over the past decade, Skagi hf's Debt-to-EBITDA has ranged from 0.40 to 6.85. According to the industry distribution chart, Skagi hf ranks #305 out of 322 companies in the Insurance industry, placing it in the top 94.7%.
Is Skagi hf's Debt-to-EBITDA too high?
Skagi hf's current Debt-to-EBITDA of 26.99 is 2059% above median its 10-year median of 1.25. Over the past 10 years, this metric has ranged from a low of 0.40 to a high of 6.85. The Insurance industry median Debt-to-EBITDA is 1.19. Skagi hf's value of 26.99 is 2177.6% above this industry median. Based on the distribution chart, Skagi hf ranks #305 out of 322 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Skagi hf has a GF Score™ of 69/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Skagi hf's Debt-to-EBITDA compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Skagi hf ranks #305 out of 322 companies for Debt-to-EBITDA. This places Skagi hf in the lower half of its industry. The industry median Debt-to-EBITDA is 1.19. Skagi hf's value of 26.99 is 2177.6% above this benchmark. Historically, Skagi hf's own Debt-to-EBITDA has ranged from 0.40 to 6.85 over the past decade. While the company's 10-year median is 1.25 vs. the industry median of 1.19, Skagi hf 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 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. Skagi hf's current Debt-to-EBITDA of 26.99 is 2177.6% 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 Skagi 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. Skagi hf's current Debt-to-EBITDA is 26.99, which is 2059% above median its own 10-year median of 1.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Skagi hf stock overvalued right now?
Based on GuruFocus' analysis, Skagi hf (OISE:VIS) is currently considered Modestly Undervalued. The stock's GF Value™ is kr22.02, compared to a current price of kr18.80 — trading 14.6% below its estimated fair value. The current Debt-to-EBITDA is 26.99, which is 2059% above median its 10-year median of 1.25 and 2177.6% above the Insurance industry median of 1.19. Skagi hf's overall GF Score™ is 69/100 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 Skagi hf (OISE:VIS), the current Debt-to-EBITDA is 26.99 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 Skagi hf (OISE:VIS) Overvalued in 2026?
Based on GuruFocus' analysis, Skagi hf stock appears to be undervalued.
The current stock price of kr18.80 is trading 14.6% below its estimated GF Value™ of kr22.02.
GuruFocus considers Skagi hf to be Modestly Undervalued.
Key valuation signals for OISE:VIS:
Debt-to-EBITDA: 26.99 (2059% above median its 10-year median of 1.25)
GF Value™: kr22.02 vs. price of kr18.80 (14.6% below fair value)
Industry Position: 2177.6% above the Insurance median (#305 of 322)
No single metric tells the full story. See the OISE:VIS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Skagi hf is engaged in financial services sector. The Group operates through three operating segments: Insurance Operations, Insurance Investments, and Financial Services. Insurance Operations comprises the core insurance activities, including the underwriting of life, health, and general insurance products. Insurance Investments includes the management of assets backing insurance liabilities as well as proprietary investment activities. The Financial Services segment comprises activities such as asset management, loans to customers, and other noninsurance financial products. Key revenue is generated from Insurance operations.
69GF Score
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Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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