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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 Octave Specialty Group's Debt-to-EBITDA or its related term are showing as below:
OSG'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -1096.02 Med: -2.91 Max: 30.28
Current: -4.04
During the past 13 years, the highest Debt-to-EBITDA Ratio of Octave Specialty Group was 30.28. The lowest was -1096.02. And the median was -2.91.
OSG's Debt-to-EBITDA is ranked worse than 100% of 321
companies
in the Insurance industry
Industry Median: 1.18
vs OSG: -4.04
Octave Specialty Group (NYSE:OSG) 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.
Octave Specialty Group Debt-to-EBITDA Related Terms
Octave Specialty Group Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Octave Specialty 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.
For the Insurance - Specialty subindustry, Octave Specialty 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.
Octave Specialty Group Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Octave Specialty Group's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Octave Specialty 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 four times the quarterly (Mar. 2026) EBITDA data.
Octave Specialty Group (OSG) has a Debt-to-EBITDA of 2.67 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 Octave Specialty Group. According to the industry distribution chart, Octave Specialty Group ranks #999999 out of 321 companies in the Insurance industry.
Is Octave Specialty Group's Debt-to-EBITDA too high?
Octave Specialty Group's current Debt-to-EBITDA is 2.67. The Insurance industry median Debt-to-EBITDA is 1.18. Octave Specialty Group's value of 2.67 is 126.3% above this industry median. Based on the distribution chart, Octave Specialty Group ranks #999999 out of 321 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Octave Specialty Group has a GF Score™ of 61/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Octave Specialty Group's Debt-to-EBITDA compare to MBI and JRVR?
According to the Insurance industry distribution chart, Octave Specialty Group ranks #999999 out of 321 companies for Debt-to-EBITDA. This places Octave Specialty Group in the lower half of its industry. The industry median Debt-to-EBITDA is 1.18. Octave Specialty Group's value of 2.67 is 126.3% above this benchmark. 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. Octave Specialty Group's current Debt-to-EBITDA of 2.67 is 126.3% 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 Octave Specialty Group. 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. Octave Specialty Group's current Debt-to-EBITDA is 2.67. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Octave Specialty Group stock overvalued right now?
Based on GuruFocus' analysis, Octave Specialty Group (OSG) is currently considered Modestly Undervalued. The stock's GF Value™ is $7.53, compared to a current price of $6.14 — trading 18.5% below its estimated fair value. The current Debt-to-EBITDA is 2.67 and 126.3% above the Insurance industry median of 1.18. Octave Specialty Group's overall GF Score™ is 61/100. 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 Octave Specialty Group (OSG), the current Debt-to-EBITDA is 2.67 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 Octave Specialty Group (OSG) Overvalued in 2026?
Based on GuruFocus' analysis, Octave Specialty Group stock appears to be undervalued.
The current stock price of $6.14 is trading 18.5% below its estimated GF Value™ of $7.53.
GuruFocus considers Octave Specialty Group to be Modestly Undervalued.
Key valuation signals for OSG:
Debt-to-EBITDA: 2.67
GF Value™: $7.53 vs. price of $6.14 (18.5% below fair value)
Industry Position: 126.3% above the Insurance median (#999999 of 321)
No single metric tells the full story. See the OSG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Octave Specialty Group Inc is a world-wide specialty insurance firm that provides strategic direction, risk oversight, data and technology solutions, and capital support to MGA businesses operating across the U.S., U.K., and Bermuda. The company operates in two segments: Specialty Property and Casualty Insurance and ID.
61GF Score
Get the complete analysis for OSG
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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