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Suncorp GroupSNMYF +8.16%71 Debt-to-EBITDA is 1.85 as of Dec. 2025, which is 61% below its 10-year median of 4.80. GuruFocus rates SNMYF with a GF Score™ of 71/100 and a GF Value™ of $13.37 (Fairly Valued). The stock has 6 warning signs investors should review. Among 320 Insurance companies, Suncorp Group ranks better than 51.56% 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 Suncorp Group's Debt-to-EBITDA or its related term are showing as below:
SNMYF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.86 Med: 4.8 Max: 16.67
Current: 1.14
During the past 13 years, the highest Debt-to-EBITDA Ratio of Suncorp Group was 16.67. The lowest was 0.86. And the median was 4.80.
SNMYF's Debt-to-EBITDA is ranked better than 51.56% of 320
companies
in the Insurance industry
Industry Median: 1.175
vs SNMYF: 1.14
Suncorp Group (OTCPK:SNMYF) 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.
Suncorp Group Debt-to-EBITDA Related Terms
Suncorp Group Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Suncorp 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.
For the Insurance - Property & Casualty subindustry, Suncorp 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.
Suncorp Group Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Suncorp Group's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Suncorp 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.
Suncorp Group (SNMYF) has a Debt-to-EBITDA of 1.85 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 Suncorp Group. This is 61% below median its historical median of 4.80. Over the past decade, Suncorp Group's Debt-to-EBITDA has ranged from 0.86 to 16.67. According to the industry distribution chart, Suncorp Group ranks #155 out of 320 companies in the Insurance industry, placing it in the top 48.4%.
Is Suncorp Group's Debt-to-EBITDA too high?
Suncorp Group's current Debt-to-EBITDA of 1.85 is 61% below median its 10-year median of 4.80. Over the past 10 years, this metric has ranged from a low of 0.86 to a high of 16.67. The Insurance industry median Debt-to-EBITDA is 1.18. Suncorp Group's value of 1.85 is 57.4% above this industry median. Based on the distribution chart, Suncorp Group ranks #155 out of 320 companies in the Insurance industry, which is above the industry midpoint. Overall, Suncorp Group has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Suncorp Group's Debt-to-EBITDA compare to CB and PGR?
According to the Insurance industry distribution chart, Suncorp Group ranks #155 out of 320 companies for Debt-to-EBITDA. This puts Suncorp Group in the upper half of its industry. The industry median Debt-to-EBITDA is 1.18. Suncorp Group's value of 1.85 is 57.4% above this benchmark. Historically, Suncorp Group's own Debt-to-EBITDA has ranged from 0.86 to 16.67 over the past decade. While the company's 10-year median is 4.80 vs. the industry median of 1.18, Suncorp 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 1.18, based on 320 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. Suncorp Group's current Debt-to-EBITDA of 1.85 is 57.4% 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 Suncorp Group. 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. Suncorp Group's current Debt-to-EBITDA is 1.85, which is 61% below median its own 10-year median of 4.80. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Suncorp Group stock overvalued right now?
Based on GuruFocus' analysis, Suncorp Group (SNMYF) is currently considered Fairly Valued. The stock's GF Value™ is $13.37, compared to a current price of $13.03 — trading 2.5% below its estimated fair value. The current Debt-to-EBITDA is 1.85, which is 61% below median its 10-year median of 4.80 and 57.4% above the Insurance industry median of 1.18. Suncorp Group's overall GF Score™ is 71/100 with 6 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 Suncorp Group (SNMYF), the current Debt-to-EBITDA is 1.85 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 Suncorp Group (SNMYF) Overvalued in 2026?
Based on GuruFocus' analysis, Suncorp Group stock appears to be undervalued.
The current stock price of $13.03 is trading 2.5% below its estimated GF Value™ of $13.37.
GuruFocus considers Suncorp Group to be Fairly Valued.
Key valuation signals for SNMYF:
Debt-to-EBITDA: 1.85 (61% below median its 10-year median of 4.80)
GF Value™: $13.37 vs. price of $13.03 (2.5% below fair value)
Industry Position: 57.4% above the Insurance median (#155 of 320)
No single metric tells the full story. See the SNMYF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Suncorp provides general insurance through a number of different brands. The core businesses include personal insurance such as home and motor, and commercial insurance. Suncorp and competitors IAG Insurance and QBE Insurance dominate the Australian and New Zealand insurance markets. It sold its banking business to ANZ Bank in July 2024.
71GF Score
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Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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