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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.
SAU:8010'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.07 Med: 0.1 Max: 0.73
Current: 0.73
During the past 13 years, the highest Debt-to-EBITDA Ratio of The Company For Cooperative Insurance was 0.73. The lowest was 0.07. And the median was 0.10.
SAU:8010's Debt-to-EBITDA is ranked better than 65.51% of 316
companies
in the Insurance industry
Industry Median: 1.255
vs SAU:8010: 0.73
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 Company For Cooperative Insurance Debt-to-EBITDA Related Terms
The Company For Cooperative Insurance 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 Company For Cooperative Insurance Debt-to-EBITDA Chart
SAU:8010 vs MET, AFL, PRU: Debt-to-EBITDA Comparison
For the Insurance - Life subindustry, The Company For Cooperative Insurance'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 Company For Cooperative Insurance Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, The Company For Cooperative Insurance's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where The Company For Cooperative Insurance'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 (Jun. 2026) EBITDA data.
The Company For Cooperative Insurance (SAU:8010) has a Debt-to-EBITDA of 0.35 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on The Company For Cooperative Insurance. This is 250% above median its historical median of 0.10. Over the past decade, The Company For Cooperative Insurance's Debt-to-EBITDA has ranged from 0.07 to 0.73. According to the industry distribution chart, The Company For Cooperative Insurance ranks #109 out of 316 companies in the Insurance industry, placing it in the top 34.5%.
Is The Company For Cooperative Insurance's Debt-to-EBITDA too high?
The Company For Cooperative Insurance's current Debt-to-EBITDA of 0.35 is 250% above median its 10-year median of 0.10. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.73. The Insurance industry median Debt-to-EBITDA is 1.26. The Company For Cooperative Insurance's value of 0.35 is 72.1% below this industry median. Based on the distribution chart, The Company For Cooperative Insurance ranks #109 out of 316 companies in the Insurance industry, which is above the industry midpoint. Overall, The Company For Cooperative Insurance has a GF Score™ of 90/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does The Company For Cooperative Insurance's Debt-to-EBITDA compare to MET and AFL?
According to the Insurance industry distribution chart, The Company For Cooperative Insurance ranks #109 out of 316 companies for Debt-to-EBITDA. This puts The Company For Cooperative Insurance in the upper half of its industry. The industry median Debt-to-EBITDA is 1.26. The Company For Cooperative Insurance's value of 0.35 is 72.1% below this benchmark. Historically, The Company For Cooperative Insurance's own Debt-to-EBITDA has ranged from 0.07 to 0.73 over the past decade. While the company's 10-year median is 0.10 vs. the industry median of 1.26, The Company For Cooperative Insurance has consistently been below 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 1.26, based on 316 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. The Company For Cooperative Insurance's current Debt-to-EBITDA of 0.35 is 72.1% below 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 The Company For Cooperative Insurance. For the Insurance industry, the median Debt-to-EBITDA is 1.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The Company For Cooperative Insurance's current Debt-to-EBITDA is 0.35, which is 250% above median its own 10-year median of 0.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The Company For Cooperative Insurance stock overvalued right now?
Based on GuruFocus' analysis, The Company For Cooperative Insurance (SAU:8010) is currently considered Significantly Undervalued. The stock's GF Value™ is ﷼195.28, compared to a current price of ﷼134.00 — trading 31.4% below its estimated fair value. The current Debt-to-EBITDA is 0.35, which is 250% above median its 10-year median of 0.10 and 72.1% below the Insurance industry median of 1.26. The Company For Cooperative Insurance's overall GF Score™ is 90/100 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 Company For Cooperative Insurance (SAU:8010), the current Debt-to-EBITDA is 0.35 as of Jun. 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 The Company For Cooperative Insurance (SAU:8010) Overvalued in 2026?
Based on GuruFocus' analysis, The Company For Cooperative Insurance stock appears to be undervalued.
The current stock price of ﷼134.00 is trading 31.4% below its estimated GF Value™ of ﷼195.28.
GuruFocus considers The Company For Cooperative Insurance to be Significantly Undervalued.
Key valuation signals for SAU:8010:
Debt-to-EBITDA: 0.35 (250% above median its 10-year median of 0.10)
GF Value™: ﷼195.28 vs. price of ﷼134.00 (31.4% below fair value)
Industry Position: 72.1% below the Insurance median (#109 of 316)
No single metric tells the full story. See the SAU:8010 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
The Company For Cooperative Insurance is an insurance company. The company provides its customers with various insurance products, including medical, motor, fire, property, engineering, casualty, marine, aviation, Takaful, liability insurance, and many other types of insurance. The purpose of the company is to transact cooperative insurance operations and all related activities, including reinsurance and agency activities. The company is organized into business units based on its products and services and has eight reportable segments as follows: Medical, Medical Umrah, Motor insurance, Property and Casualty, General accidents- Hajj & Umrah insurance, Travel and COVID-19, Protection & Savings, and Inherent Insurance Defects.
90GF Score
Get the complete analysis for SAU:8010
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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