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China Reinsurance (Group)STU:C53 46 Debt-to-EBITDA is 1.19 as of Dec. 2025, which is 49% below its 10-year median of 2.35. GuruFocus rates STU:C53 with a GF Score™ of 46/100 and a GF Value™ of €0.09 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 322 Insurance companies, China Reinsurance (Group) ranks better than 58.7% 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 China Reinsurance (Group)'s Debt-to-EBITDA or its related term are showing as below:
STU:C53'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.82 Med: 2.35 Max: 9.71
Current: 0.9
During the past 13 years, the highest Debt-to-EBITDA Ratio of China Reinsurance (Group) was 9.71. The lowest was 0.82. And the median was 2.35.
STU:C53's Debt-to-EBITDA is ranked better than 58.7% of 322
companies
in the Insurance industry
Industry Median: 1.185
vs STU:C53: 0.90
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.
China Reinsurance (Group) Debt-to-EBITDA Related Terms
China Reinsurance (Group) 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.
STU:C53 vs RGA, EG, RNR: Debt-to-EBITDA Comparison
For the Insurance - Reinsurance subindustry, China Reinsurance (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.
China Reinsurance (Group) Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, China Reinsurance (Group)'s Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where China Reinsurance (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.
China Reinsurance (Group) (STU:C53) has a Debt-to-EBITDA of 1.19 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 China Reinsurance (Group). This is 49% below median its historical median of 2.35. Over the past decade, China Reinsurance (Group)'s Debt-to-EBITDA has ranged from 0.82 to 9.71. According to the industry distribution chart, China Reinsurance (Group) ranks #133 out of 322 companies in the Insurance industry, placing it in the top 41.3%.
Is China Reinsurance (Group)'s Debt-to-EBITDA too high?
China Reinsurance (Group)'s current Debt-to-EBITDA of 1.19 is 49% below median its 10-year median of 2.35. Over the past 10 years, this metric has ranged from a low of 0.82 to a high of 9.71. The Insurance industry median Debt-to-EBITDA is 1.19. China Reinsurance (Group)'s value of 1.19 is 0.4% above this industry median. Based on the distribution chart, China Reinsurance (Group) ranks #133 out of 322 companies in the Insurance industry, which is above the industry midpoint. Overall, China Reinsurance (Group) has a GF Score™ of 46/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does China Reinsurance (Group)'s Debt-to-EBITDA compare to RGA and EG?
According to the Insurance industry distribution chart, China Reinsurance (Group) ranks #133 out of 322 companies for Debt-to-EBITDA. This puts China Reinsurance (Group) in the upper half of its industry. The industry median Debt-to-EBITDA is 1.19. China Reinsurance (Group)'s value of 1.19 is 0.4% above this benchmark. Historically, China Reinsurance (Group)'s own Debt-to-EBITDA has ranged from 0.82 to 9.71 over the past decade. While the company's 10-year median is 2.35 vs. the industry median of 1.19, China Reinsurance (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. China Reinsurance (Group)'s current Debt-to-EBITDA of 1.19 is 0.4% 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 China Reinsurance (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. China Reinsurance (Group)'s current Debt-to-EBITDA is 1.19, which is 49% below 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 China Reinsurance (Group) stock overvalued right now?
Based on GuruFocus' analysis, China Reinsurance (Group) (STU:C53) is currently considered Significantly Overvalued. The stock's GF Value™ is €0.09, compared to a current price of €0.13 — trading 45.7% above its estimated fair value. The current Debt-to-EBITDA is 1.19, which is 49% below median its 10-year median of 2.35 and 0.4% above the Insurance industry median of 1.19. China Reinsurance (Group)'s overall GF Score™ is 46/100 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 China Reinsurance (Group) (STU:C53), the current Debt-to-EBITDA is 1.19 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 China Reinsurance (Group) (STU:C53) Overvalued in 2026?
Based on GuruFocus' analysis, China Reinsurance (Group) stock appears to be overvalued.
The current stock price of €0.13 is trading 45.7% above its estimated GF Value™ of €0.09.
GuruFocus considers China Reinsurance (Group) to be Significantly Overvalued.
Key valuation signals for STU:C53:
Debt-to-EBITDA: 1.19 (49% below median its 10-year median of 2.35)
GF Value™: €0.09 vs. price of €0.13 (45.7% above fair value)
Industry Position: 0.4% above the Insurance median (#133 of 322)
No single metric tells the full story. See the STU:C53 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
China Reinsurance (Group) Corp is mainly engaged in property and casualty reinsurance, life and health reinsurance, primary property and casualty insurance, asset management and other businesses. Its operating and reportable segments are Property and casualty reinsurance segment offers a wide variety of reinsurance products; Life and health reinsurance segment offers a wide range of reinsurance products; Primary property and casualty insurance segment offers a wide variety of insurance products and other businesses including motor, property and liability insurance; Asset management segment offers asset management services; and Other segments of which majority of revenue comes from Primary property and casualty insurance.
46GF Score
Get the complete analysis for STU:C53
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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