Swiss Life Holding AGSWSDF -2.44%66 Debt-to-EBITDA is 4.92 as of Dec. 2025, which is 33% above its 10-year median of 3.71. GuruFocus rates SWSDF with a GF Score™ of 66/100 and a GF Value™ of $950.27 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 324 Insurance companies, Swiss Life Holding AG ranks worse than 91.36% 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 Life Holding AG's Debt-to-EBITDA or its related term are showing as below:
SWSDF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.97 Med: 3.71 Max: 5.69
Current: 4.94
During the past 13 years, the highest Debt-to-EBITDA Ratio of Swiss Life Holding AG was 5.69. The lowest was 1.97. And the median was 3.71.
SWSDF's Debt-to-EBITDA is ranked worse than 91.36% of 324
companies
in the Insurance industry
Industry Median: 1.175
vs SWSDF: 4.94
Swiss Life Holding AG (OTCPK:SWSDF) 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 Life Holding AG Debt-to-EBITDA Related Terms
Swiss Life Holding AG Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Swiss Life Holding 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.
SWSDF vs BRK.A, AIG, HIG: Debt-to-EBITDA Comparison
For the Insurance - Diversified subindustry, Swiss Life Holding 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 Life Holding AG Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Swiss Life Holding AG's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Swiss Life Holding 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 Life Holding AG (SWSDF) has a Debt-to-EBITDA of 4.92 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 Life Holding AG. This is 33% above median its historical median of 3.71. Over the past decade, Swiss Life Holding AG's Debt-to-EBITDA has ranged from 1.97 to 5.69. According to the industry distribution chart, Swiss Life Holding AG ranks #296 out of 324 companies in the Insurance industry, placing it in the top 91.4%.
Is Swiss Life Holding AG's Debt-to-EBITDA too high?
Swiss Life Holding AG's current Debt-to-EBITDA of 4.92 is 33% above median its 10-year median of 3.71. Over the past 10 years, this metric has ranged from a low of 1.97 to a high of 5.69. The Insurance industry median Debt-to-EBITDA is 1.18. Swiss Life Holding AG's value of 4.92 is 318.7% above this industry median. Based on the distribution chart, Swiss Life Holding AG ranks #296 out of 324 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Swiss Life Holding AG has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Swiss Life Holding AG's Debt-to-EBITDA compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Swiss Life Holding AG ranks #296 out of 324 companies for Debt-to-EBITDA. This places Swiss Life Holding AG in the lower half of its industry. The industry median Debt-to-EBITDA is 1.18. Swiss Life Holding AG's value of 4.92 is 318.7% above this benchmark. Historically, Swiss Life Holding AG's own Debt-to-EBITDA has ranged from 1.97 to 5.69 over the past decade. While the company's 10-year median is 3.71 vs. the industry median of 1.18, Swiss Life Holding 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 Life Holding AG's current Debt-to-EBITDA of 4.92 is 318.7% 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 Life Holding 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 Life Holding AG's current Debt-to-EBITDA is 4.92, which is 33% above median its own 10-year median of 3.71. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Swiss Life Holding AG stock overvalued right now?
Based on GuruFocus' analysis, Swiss Life Holding AG (SWSDF) is currently considered Modestly Overvalued. The stock's GF Value™ is $950.27, compared to a current price of $1,053.30 — trading 10.8% above its estimated fair value. The current Debt-to-EBITDA is 4.92, which is 33% above median its 10-year median of 3.71 and 318.7% above the Insurance industry median of 1.18. Swiss Life Holding AG's overall GF Score™ is 66/100 with 8 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 Life Holding AG (SWSDF), the current Debt-to-EBITDA is 4.92 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 Life Holding AG (SWSDF) Overvalued in 2026?
Based on GuruFocus' analysis, Swiss Life Holding AG stock appears to be overvalued.
The current stock price of $1,053.30 is trading 10.8% above its estimated GF Value™ of $950.27.
GuruFocus considers Swiss Life Holding AG to be Modestly Overvalued.
Key valuation signals for SWSDF:
Debt-to-EBITDA: 4.92 (33% above median its 10-year median of 3.71)
GF Value™: $950.27 vs. price of $1,053.30 (10.8% above fair value)
Industry Position: 318.7% above the Insurance median (#296 of 324)
No single metric tells the full story. See the SWSDF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Swiss Life is predominantly a life and long-term savings company that generates the main share of its revenue and earnings from its domestic market of Switzerland. The company also operates in France, Germany, and a few smaller but wealthy European countries. The company has an asset manager as well. Swiss Life has three main sources of income that vary in significance by geography. Savings income relates to spread-based earnings, the risk result relates to a margin on insurance products, and the fee result relates to fees from asset management, financial advice, and unit-linked sales. The fee result has been growing in importance over time.
66GF Score
Get the complete analysis for SWSDF
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
SWSDF has been successfully added to your 
