QBEIF (QBE Insurance Group) Debt-to-EBITDA : (As of Jun. 2026)

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QBEIF QBE Insurance Group Ltd QBEIF
80 GF Score
Price $16.68
GF Value $12.40
Valuation Significantly Overvalued
! 3 Warning Signs
View Full Analysis

What is QBE Insurance Group Debt-to-EBITDA?

Debt-to-EBITDA measures a company's ability to pay off its debt.

QBE Insurance Group's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was $0 Mil. QBE Insurance Group's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was $4,388 Mil. QBE Insurance Group's annualized EBITDA for the quarter that ended in Jun. 2026 was $3,044 Mil. QBE Insurance Group's annualized Debt-to-EBITDA for the quarter that ended in Jun. 2026 was 1.44.

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 QBE Insurance Group's Debt-to-EBITDA or its related term are showing as below:

QBEIF' s Debt-to-EBITDA Range Over the Past 10 Years
Min: -9.18   Med: 1.87   Max: 3.01
Current: 1.27

During the past 13 years, the highest Debt-to-EBITDA Ratio of QBE Insurance Group was 3.01. The lowest was -9.18. And the median was 1.87.

QBEIF's Debt-to-EBITDA is ranked worse than
51.6% of 312 companies
in the Insurance industry
Industry Median: 1.23 vs QBEIF: 1.27

QBE Insurance Group  (OTCPK:QBEIF) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.


Be Aware

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.


QBE Insurance Group Debt-to-EBITDA Related Terms


QBE Insurance Group Debt-to-EBITDA Historical Data

* Premium members only.

The historical data trend for QBE Insurance 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.

QBE Insurance Group Debt-to-EBITDA Chart

QBE Insurance Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-EBITDA
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QBE Insurance Group Semi-Annual Data
Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25 Jun26
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QBEIF vs CB, PGR, TRV: Debt-to-EBITDA Comparison

For the Insurance - Property & Casualty subindustry, QBE Insurance 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.


QBE Insurance Group Debt-to-EBITDA vs Insurance Industry

For the Insurance industry and Financial Services sector, QBE Insurance Group's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where QBE Insurance Group's Debt-to-EBITDA falls into.


QBEIF
80GF Score
QBE Insurance Group Ltd QBEIF
Debt-to-EBITDA is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

QBE Insurance Group Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

QBE Insurance Group's Debt-to-EBITDA for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(914.00000000385 + 3016.0000000127) / 3299.0000000051
=1.19

QBE Insurance Group's annualized Debt-to-EBITDA for the quarter that ended in Jun. 2026 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(0 + 4388.0000000207) / 3044.0000000064
=1.44

* 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 two times the quarterly (Jun. 2026) EBITDA data.

Is QBE Insurance Group (QBEIF) Overvalued in 2026?

Based on GuruFocus' analysis, QBE Insurance Group stock appears to be overvalued. The current stock price of $16.68 is trading 34.5% above its estimated GF Value™ of $12.40. GuruFocus considers QBE Insurance Group to be Significantly Overvalued.

Key valuation signals for QBEIF:

  • Debt-to-EBITDA:
  • GF Value™: $12.40 vs. price of $16.68 (34.5% above fair value)
  • GF Score™: 80/100 with 3 warning signs

No single metric tells the full story. See the QBEIF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


QBE Insurance Group Business Description

Address 388 George Street, Level 18, Sydney, NSW, AUS, 2000
QBE Insurance is an international property and casualty insurance company. QBE Insurance offers a number of personal, commercial, and specialty lines, including property, auto insurance, agriculture, public/product liability, professional indemnity, workers compensation, marine, energy and aviation, and accident and health.
80GF Score

Get the complete analysis for QBEIF

Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$16.68
Price
$12.40
GF Value