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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 PICC Property and Casualty Co's Debt-to-EBITDA or its related term are showing as below:
PPCCF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.25 Med: 0.56 Max: 0.91
Current: 0.69
During the past 13 years, the highest Debt-to-EBITDA Ratio of PICC Property and Casualty Co was 0.91. The lowest was 0.25. And the median was 0.56.
PPCCF's Debt-to-EBITDA is ranked better than 66.04% of 321
companies
in the Insurance industry
Industry Median: 1.18
vs PPCCF: 0.69
PICC Property and Casualty Co (OTCPK:PPCCF) 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.
PICC Property and Casualty Co Debt-to-EBITDA Related Terms
PICC Property and Casualty Co 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.
PICC Property and Casualty Co Debt-to-EBITDA Chart
For the Insurance - Property & Casualty subindustry, PICC Property and Casualty Co'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.
PICC Property and Casualty Co Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, PICC Property and Casualty Co's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where PICC Property and Casualty Co'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 (Dec. 2025) EBITDA data.
PICC Property and Casualty Co (PPCCF) has a Debt-to-EBITDA of -4.50 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 PICC Property and Casualty Co. Over the past decade, PICC Property and Casualty Co's Debt-to-EBITDA has ranged from 0.25 to 0.91. According to the industry distribution chart, PICC Property and Casualty Co ranks #109 out of 321 companies in the Insurance industry, placing it in the top 34%.
Is PICC Property and Casualty Co's Debt-to-EBITDA too high?
PICC Property and Casualty Co's current Debt-to-EBITDA is -4.50. Over the past 10 years, this metric has ranged from a low of 0.25 to a high of 0.91. Based on the distribution chart, PICC Property and Casualty Co ranks #109 out of 321 companies in the Insurance industry, which is above the industry midpoint. Overall, PICC Property and Casualty Co has a GF Score™ of 86/100, reflecting its overall financial health beyond just this single metric.
How does PICC Property and Casualty Co's Debt-to-EBITDA compare to CB and PGR?
According to the Insurance industry distribution chart, PICC Property and Casualty Co ranks #109 out of 321 companies for Debt-to-EBITDA. This puts PICC Property and Casualty Co in the upper half of its industry. The industry median Debt-to-EBITDA is 1.18. Historically, PICC Property and Casualty Co's own Debt-to-EBITDA has ranged from 0.25 to 0.91 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 1.18, 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. 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 PICC Property and Casualty Co. 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. PICC Property and Casualty Co's current Debt-to-EBITDA is -4.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PICC Property and Casualty Co stock overvalued right now?
PICC Property and Casualty Co (PPCCF) has a current Debt-to-EBITDA of -4.50. The stock's GF Value™ is $1.83, compared to a current price of $1.96 — trading 7.1% above its estimated fair value. The current Debt-to-EBITDA is -4.50. PICC Property and Casualty Co's overall GF Score™ is 86/100 with 1 warning sign 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 PICC Property and Casualty Co (PPCCF), the current Debt-to-EBITDA is -4.50 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 PICC Property and Casualty Co (PPCCF) Overvalued in 2026?
Based on GuruFocus' analysis, PICC Property and Casualty Co stock appears to be overvalued.
The current stock price of $1.96 is trading 7.1% above its estimated GF Value™ of $1.83.
Key valuation signals for PPCCF:
Debt-to-EBITDA: -4.50
GF Value™: $1.83 vs. price of $1.96 (7.1% above fair value)
No single metric tells the full story. See the PPCCF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PICC Property and Casualty Co Business Description
PICC P&C is headquartered in Beijing. The company is China's largest nonlife insurer, commanding nearly 33% domestic market share. Founded by the People's Bank of China in 1949, PICC P&C operates as the flagship subsidiary of PICC Group—a state-owned insurance holding company that retains a 69% equity stake. The company underwrites a comprehensive suite of nonlife insurance products spanning auto, commercial property, liability, credit and surety, accident and health, energy and aerospace, and agricultural lines.
86GF Score
Get the complete analysis for PPCCF
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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