Steadfast GroupSFGLF +3.03%90 Debt-to-EBITDA is 2.94 as of Dec. 2025, which is 25% above its 10-year median of 2.35. GuruFocus rates SFGLF with a GF Score™ of 90/100 and a GF Value™ of $5.26 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 322 Insurance companies, Steadfast Group ranks worse than 77.02% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its 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 historical rank and industry rank for Steadfast Group's Debt-to-EBITDA or its related term are showing as below:
SFGLF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.34 Med: 2.35 Max: 10.15
Current: 2.66
During the past 12 years, the highest Debt-to-EBITDA Ratio of Steadfast Group was 10.15. The lowest was 1.34. And the median was 2.35.
SFGLF's Debt-to-EBITDA is ranked worse than 77.02% of 322
companies
in the Insurance industry
Industry Median: 1.185
vs SFGLF: 2.66
Steadfast Group (OTCPK:SFGLF) 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.
Steadfast Group Debt-to-EBITDA Related Terms
Steadfast Group Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Steadfast 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.
SFGLF vs MRSH, AON, AJG: Debt-to-EBITDA Comparison
For the Insurance Brokers subindustry, Steadfast 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.
Steadfast Group Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Steadfast Group's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Steadfast 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 two times the quarterly (Dec. 2025) EBITDA data.
Steadfast Group (SFGLF) has a Debt-to-EBITDA of 2.94 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 Steadfast Group. This is 25% above median its historical median of 2.35. Over the past decade, Steadfast Group's Debt-to-EBITDA has ranged from 1.34 to 10.15. According to the industry distribution chart, Steadfast Group ranks #248 out of 322 companies in the Insurance industry, placing it in the top 77%.
Is Steadfast Group's Debt-to-EBITDA too high?
Steadfast Group's current Debt-to-EBITDA of 2.94 is 25% above median its 10-year median of 2.35. Over the past 10 years, this metric has ranged from a low of 1.34 to a high of 10.15. The Insurance industry median Debt-to-EBITDA is 1.19. Steadfast Group's value of 2.94 is 148.1% above this industry median. Based on the distribution chart, Steadfast Group ranks #248 out of 322 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Steadfast Group has a GF Score™ of 90/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Steadfast Group's Debt-to-EBITDA compare to MRSH and AON?
According to the Insurance industry distribution chart, Steadfast Group ranks #248 out of 322 companies for Debt-to-EBITDA. This places Steadfast Group in the lower half of its industry. The industry median Debt-to-EBITDA is 1.19. Steadfast Group's value of 2.94 is 148.1% above this benchmark. Historically, Steadfast Group's own Debt-to-EBITDA has ranged from 1.34 to 10.15 over the past decade. While the company's 10-year median is 2.35 vs. the industry median of 1.19, Steadfast Group has consistently been above 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 1.19, 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. Steadfast Group's current Debt-to-EBITDA of 2.94 is 148.1% 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 Steadfast Group. 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. Steadfast Group's current Debt-to-EBITDA is 2.94, which is 25% above median its own 10-year median of 2.35. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Steadfast Group stock overvalued right now?
Based on GuruFocus' analysis, Steadfast Group (SFGLF) is currently considered Modestly Undervalued. The stock's GF Value™ is $5.26, compared to a current price of $4.08 — trading 22.4% below its estimated fair value. The current Debt-to-EBITDA is 2.94, which is 25% above median its 10-year median of 2.35 and 148.1% above the Insurance industry median of 1.19. Steadfast Group'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 Steadfast Group (SFGLF), the current Debt-to-EBITDA is 2.94 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 Steadfast Group (SFGLF) Overvalued in 2026?
Based on GuruFocus' analysis, Steadfast Group stock appears to be undervalued.
The current stock price of $4.08 is trading 22.4% below its estimated GF Value™ of $5.26.
GuruFocus considers Steadfast Group to be Modestly Undervalued.
Key valuation signals for SFGLF:
Debt-to-EBITDA: 2.94 (25% above median its 10-year median of 2.35)
GF Value™: $5.26 vs. price of $4.08 (22.4% below fair value)
Industry Position: 148.1% above the Insurance median (#248 of 322)
No single metric tells the full story. See the SFGLF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Steadfast Group is the largest general insurance broker network in Australia and New Zealand, with over 400 brokers and around 1,800 offices in Australia, New Zealand, Singapore, and London. Steadfast operates as both a broker and a consolidator via equity interests in insurance broker businesses, generating over AUD 12 billion of network broker gross written premium annually. Steadfast also co-owns and consolidates underwriting agencies and other complementary businesses.
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