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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 AMS Osiguranje a.d's Debt-to-EBITDA or its related term are showing as below:
XBEL:AMSO's Debt-to-EBITDA is not ranked *
in the Insurance industry.
Industry Median: 1.19 * Ranked among companies with meaningful Debt-to-EBITDA only.
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.
AMS Osiguranje a.d Debt-to-EBITDA Related Terms
AMS Osiguranje a.d Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for AMS Osiguranje a.d'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.
XBEL:AMSO vs CB, PGR, TRV: Debt-to-EBITDA Comparison
For the Insurance - Property & Casualty subindustry, AMS Osiguranje a.d'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.
AMS Osiguranje a.d Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, AMS Osiguranje a.d's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where AMS Osiguranje a.d'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.
AMS Osiguranje a.d (XBEL:AMSO) has a Debt-to-EBITDA of 0.00 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 AMS Osiguranje a.d. According to the industry distribution chart, AMS Osiguranje a.d ranks #999999 out of 321 companies in the Insurance industry.
Is AMS Osiguranje a.d's Debt-to-EBITDA too high?
AMS Osiguranje a.d's current Debt-to-EBITDA is 0.00. Based on the distribution chart, AMS Osiguranje a.d ranks #999999 out of 321 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, AMS Osiguranje a.d has a GF Score™ of 30/100, reflecting its overall financial health beyond just this single metric.
How does AMS Osiguranje a.d's Debt-to-EBITDA compare to CB and PGR?
According to the Insurance industry distribution chart, AMS Osiguranje a.d ranks #999999 out of 321 companies for Debt-to-EBITDA. This places AMS Osiguranje a.d in the lower half of its industry. The industry median Debt-to-EBITDA is 1.19. 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 321 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. 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 AMS Osiguranje a.d. 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. AMS Osiguranje a.d's current Debt-to-EBITDA is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AMS Osiguranje a.d stock overvalued right now?
AMS Osiguranje a.d (XBEL:AMSO) has a current Debt-to-EBITDA of 0.00. The stock's GF Value™ is RSD6,133.85, compared to a current price of RSD3,950.00 — trading 35.6% below its estimated fair value. The current Debt-to-EBITDA is 0.00. AMS Osiguranje a.d's overall GF Score™ is 30/100 with 1 warning sign 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 AMS Osiguranje a.d (XBEL:AMSO), the current Debt-to-EBITDA is 0.00 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 AMS Osiguranje a.d (XBEL:AMSO) Overvalued in 2026?
Based on GuruFocus' analysis, AMS Osiguranje a.d stock appears to be undervalued.
The current stock price of RSD3,950.00 is trading 35.6% below its estimated GF Value™ of RSD6,133.85.
Key valuation signals for XBEL:AMSO:
Debt-to-EBITDA: 0.00
GF Value™: RSD6,133.85 vs. price of RSD3,950.00 (35.6% below fair value)
No single metric tells the full story. See the XBEL:AMSO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AMS Osiguranje a.d is a Serbia based company. The company is engaged in the provision of non life insurance services. Its insurance offering includes auto liability insurance, motor insurance, travel health insurance, accident insurance, and other insurances.
30GF Score
Get the complete analysis for XBEL:AMSO
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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