Helia Group (STU:0GI0) Debt-to-EBITDA : 0.19 (As of Dec. 2023)

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What is Helia Group Debt-to-EBITDA?

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

Helia Group's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was €0.9 Mil. Helia Group's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was €120.2 Mil. Helia Group's annualized EBITDA for the quarter that ended in Dec. 2023 was €624.9 Mil. Helia Group's annualized Debt-to-EBITDA for the quarter that ended in Dec. 2023 was 0.19.

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

STU:0GI0' s Debt-to-EBITDA Range Over the Past 10 Years
Min: -1.45 Med: 0.68 Max: 1.65
Current: 0.35

During the past 10 years, the highest Debt-to-EBITDA Ratio of Helia Group was 1.65. The lowest was -1.45. And the median was 0.68.

STU:0GI0's Debt-to-EBITDA is ranked better than
78.52% of 298 companies
in the Insurance industry
Industry Median: 1.4 vs STU:0GI0: 0.35

Helia Group Debt-to-EBITDA Historical Data

The historical data trend for Helia 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.

* Premium members only.

Helia Group Debt-to-EBITDA Chart

Helia Group Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Debt-to-EBITDA

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1.16

-1.45

0.68

0.35

Helia Group Quarterly Data
	Jun14	Dec14	Jun15	Dec15	Jun16	Dec16	Jun17	Dec17	Jun18	Dec18	Jun19	Dec19	Jun20	Dec20	Jun21	Dec21	Jun22	Dec22	Jun23	Dec23
Debt-to-EBITDA	Get a 7-Day Free Trial															0.25	1.60	0.19	0.17	0.19

Competitive Comparison of Helia Group's Debt-to-EBITDA

For the Insurance - Specialty subindustry, Helia 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.

Helia Group's Debt-to-EBITDA Distribution in the Insurance Industry

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

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

Helia Group Debt-to-EBITDA Calculation

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

Helia Group's Debt-to-EBITDA for the fiscal year that ended in Dec. 2023 is calculated as

Debt-to-EBITDA	=	Total Debt			/	EBITDA
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	EBITDA
	=	(0.873	+	120.22)	/	346.781
	=	0.35

Helia Group's annualized Debt-to-EBITDA for the quarter that ended in Dec. 2023 is calculated as

Debt-to-EBITDA	=	Total Debt			/	EBITDA
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	EBITDA
	=	(0.873	+	120.22)	/	624.884
	=	0.19

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 (Dec. 2023) EBITDA data.

Helia Group (STU:0GI0) 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.

Helia Group Debt-to-EBITDA Related Terms

Thank you for viewing the detailed overview of Helia Group's Debt-to-EBITDA provided by GuruFocus.com. Please click on the following links to see related term pages.

Helia Group (STU:0GI0) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Insurance » Helia Group Ltd (STU:0GI0) » Definitions » Debt-to-EBITDA

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HLI:Australia

Address

101 Miller Street, Level 26, North Sydney, Sydney, NSW, AUS, 2060

Website

https://www.helia.com.au

Helia listed on the Australian Securities Exchange in 2014 after its U.S.-based parent, Genworth Financial (NYSE: GNW), sold down its stake. It has since exited. With a history spanning over 50 years, Helia is a provider of lenders' mortgage insurance, or LMI, in Australia. In Australia, LMI is predominantly purchased on loans with a loan/value ratio, or LVR, above 80%. LMI protects a lender against a potential loss (gap) between the outstanding loan amount and sale proceeds on a delinquent loan property. LMI does not protect the borrower, however the premium is paid by the borrower. It's regulated by the Australian Prudential Regulation Authority, or APRA, which requires it to meet minimum regulatory capital requirements.

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