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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.
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 People's Insurance Co (Group) of China Debt-to-EBITDA Related Terms
The People's Insurance Co (Group) of China 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.
The People's Insurance Co (Group) of China Debt-to-EBITDA Chart
The People's Insurance Co (Group) of China Annual Data
For the Insurance - Property & Casualty subindustry, The People's Insurance Co (Group) of China'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.
The People's Insurance Co (Group) of China Debt-to-EBITDA vs Insurance Industry
* 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 (Dec. 2025) EBITDA data.
The People's Insurance Co (Group) of China (PINXF) has a Debt-to-EBITDA of -3.86 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 The People's Insurance Co (Group) of China. Over the past decade, The People's Insurance Co (Group) of China's Debt-to-EBITDA has ranged from 0.53 to 1.59. According to the industry distribution chart, The People's Insurance Co (Group) of China ranks #172 out of 322 companies in the Insurance industry, placing it in the top 53.4%.
Is The People's Insurance Co (Group) of China's Debt-to-EBITDA too high?
The People's Insurance Co (Group) of China's current Debt-to-EBITDA is -3.86. Over the past 10 years, this metric has ranged from a low of 0.53 to a high of 1.59. Based on the distribution chart, The People's Insurance Co (Group) of China ranks #172 out of 322 companies in the Insurance industry, which is below the industry midpoint. Overall, The People's Insurance Co (Group) of China has a GF Score™ of 55/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does The People's Insurance Co (Group) of China's Debt-to-EBITDA compare to CB and PGR?
According to the Insurance industry distribution chart, The People's Insurance Co (Group) of China ranks #172 out of 322 companies for Debt-to-EBITDA. This places The People's Insurance Co (Group) of China in the lower half of its industry. The industry median Debt-to-EBITDA is 1.19. Historically, The People's Insurance Co (Group) of China's own Debt-to-EBITDA has ranged from 0.53 to 1.59 over the past decade. 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. 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 The People's Insurance Co (Group) of China. 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. The People's Insurance Co (Group) of China's current Debt-to-EBITDA is -3.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The People's Insurance Co (Group) of China stock overvalued right now?
Based on GuruFocus' analysis, The People's Insurance Co (Group) of China (PINXF) is currently considered Modestly Overvalued. The stock's GF Value™ is $0.57, compared to a current price of $0.63 — trading 10.5% above its estimated fair value. The current Debt-to-EBITDA is -3.86. The People's Insurance Co (Group) of China's overall GF Score™ is 55/100 with 2 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 The People's Insurance Co (Group) of China (PINXF), the current Debt-to-EBITDA is -3.86 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.
Is The People's Insurance Co (Group) of China (PINXF) Overvalued in 2026?
Based on GuruFocus' analysis, The People's Insurance Co (Group) of China stock appears to be overvalued.
The current stock price of $0.63 is trading 10.5% above its estimated GF Value™ of $0.57.
GuruFocus considers The People's Insurance Co (Group) of China to be Modestly Overvalued.
Key valuation signals for PINXF:
Debt-to-EBITDA: -3.86
GF Value™: $0.57 vs. price of $0.63 (10.5% above fair value)
No single metric tells the full story. See the PINXF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
The People's Insurance Co (Group) of China Business Description
PICC Group, headquartered in Beijing, is the largest state-owned insurance group in China. It holds a 69% stake in PICC Property and Casualty, an 80% stake in PICC Life, and a 69% stake in PICC Health Insurance. The P&C subsidiary is the largest nonlife insurer in the country, with approximately one-third of market share. The life insurance and health insurance subsidiaries hold less than 5% market share. The Ministry of Finance is the largest shareholder with a 61% stake, while China's Social Security Fund is the second-largest shareholder, holding nearly 13%.
55GF Score
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