Swiss Re AGSSREF 67 Debt-to-EBITDA is 1.51 as of Dec. 2025, which is 68% below its 10-year median of 4.65. GuruFocus rates SSREF with a GF Score™ of 67/100 and a GF Value™ of $130.89 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 324 Insurance companies, Swiss Re AG ranks worse than 54.94% 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 Swiss Re AG's Debt-to-EBITDA or its related term are showing as below:
SSREF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.4 Med: 4.65 Max: 102.06
Current: 1.4
During the past 13 years, the highest Debt-to-EBITDA Ratio of Swiss Re AG was 102.06. The lowest was 1.40. And the median was 4.65.
SSREF's Debt-to-EBITDA is ranked worse than 54.94% of 324
companies
in the Insurance industry
Industry Median: 1.175
vs SSREF: 1.40
Swiss Re AG (OTCPK:SSREF) 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.
Swiss Re AG Debt-to-EBITDA Related Terms
Swiss Re AG Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Swiss Re AG'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 - Reinsurance subindustry, Swiss Re AG'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.
Swiss Re AG Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Swiss Re AG's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Swiss Re AG'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.
Swiss Re AG (SSREF) has a Debt-to-EBITDA of 1.51 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 Swiss Re AG. This is 68% below median its historical median of 4.65. Over the past decade, Swiss Re AG's Debt-to-EBITDA has ranged from 1.40 to 102.06. According to the industry distribution chart, Swiss Re AG ranks #178 out of 324 companies in the Insurance industry, placing it in the top 54.9%.
Is Swiss Re AG's Debt-to-EBITDA too high?
Swiss Re AG's current Debt-to-EBITDA of 1.51 is 68% below median its 10-year median of 4.65. Over the past 10 years, this metric has ranged from a low of 1.40 to a high of 102.06. The Insurance industry median Debt-to-EBITDA is 1.18. Swiss Re AG's value of 1.51 is 28.5% above this industry median. Based on the distribution chart, Swiss Re AG ranks #178 out of 324 companies in the Insurance industry, which is below the industry midpoint. Overall, Swiss Re AG has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Swiss Re AG's Debt-to-EBITDA compare to RGA and EG?
According to the Insurance industry distribution chart, Swiss Re AG ranks #178 out of 324 companies for Debt-to-EBITDA. This places Swiss Re AG in the lower half of its industry. The industry median Debt-to-EBITDA is 1.18. Swiss Re AG's value of 1.51 is 28.5% above this benchmark. Historically, Swiss Re AG's own Debt-to-EBITDA has ranged from 1.40 to 102.06 over the past decade. While the company's 10-year median is 4.65 vs. the industry median of 1.18, Swiss Re AG 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 324 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. Swiss Re AG's current Debt-to-EBITDA of 1.51 is 28.5% 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 Swiss Re AG. 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. Swiss Re AG's current Debt-to-EBITDA is 1.51, which is 68% below median its own 10-year median of 4.65. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Swiss Re AG stock overvalued right now?
Based on GuruFocus' analysis, Swiss Re AG (SSREF) is currently considered Modestly Overvalued. The stock's GF Value™ is $130.89, compared to a current price of $158.02 — trading 20.7% above its estimated fair value. The current Debt-to-EBITDA is 1.51, which is 68% below median its 10-year median of 4.65 and 28.5% above the Insurance industry median of 1.18. Swiss Re AG's overall GF Score™ is 67/100 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 Swiss Re AG (SSREF), the current Debt-to-EBITDA is 1.51 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 Swiss Re AG (SSREF) Overvalued in 2026?
Based on GuruFocus' analysis, Swiss Re AG stock appears to be overvalued.
The current stock price of $158.02 is trading 20.7% above its estimated GF Value™ of $130.89.
GuruFocus considers Swiss Re AG to be Modestly Overvalued.
Key valuation signals for SSREF:
Debt-to-EBITDA: 1.51 (68% below median its 10-year median of 4.65)
GF Value™: $130.89 vs. price of $158.02 (20.7% above fair value)
Industry Position: 28.5% above the Insurance median (#178 of 324)
No single metric tells the full story. See the SSREF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Swiss Re is a reinsurer that has three core divisions: P&C reinsurance, life and health reinsurance, and corporate solutions. Swiss Re was founded in 1863 when the general manager of Helvetia sought to stem the flow of reinsurance premiums outside Switzerland. Moritz Grossmann argued he could cut the premiums paid to foreign firms, still make a profit, and pay mid-single-digit dividends. Swiss Re is now the second-largest reinsurer in the world by market capitalization, with 80 offices around the world and approximately 15,000 employees. While the business did lose its way in the early part of the millennium, led by an investment banker who heavily invested in securitizations, Swiss Re has recently focused on establishing quality within its three core divisions.
67GF Score
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