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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 Dunav osiguranje AD's Debt-to-EBITDA or its related term are showing as below:
XBLB:KDVO-R-A'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -0.9 Med: 0.05 Max: 0.2
Current: -0.9
During the past 13 years, the highest Debt-to-EBITDA Ratio of Dunav osiguranje AD was 0.20. The lowest was -0.90. And the median was 0.05.
XBLB:KDVO-R-A's Debt-to-EBITDA is not ranked
in the Insurance industry.
Industry Median: 1.19
vs XBLB:KDVO-R-A: -0.90
Dunav osiguranje AD (XBLB:KDVO-R-A) 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.
Dunav osiguranje AD Debt-to-EBITDA Related Terms
Dunav osiguranje AD Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Dunav osiguranje AD'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.
XBLB:KDVO-R-A vs BRK.A, AIG, ACGL: Debt-to-EBITDA Comparison
For the Insurance - Diversified subindustry, Dunav osiguranje AD'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.
Dunav osiguranje AD Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Dunav osiguranje AD's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Dunav osiguranje AD'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.
Dunav osiguranje AD (XBLB:KDVO-R-A) has a Debt-to-EBITDA of -0.23 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 Dunav osiguranje AD.
Is Dunav osiguranje AD's Debt-to-EBITDA too high?
Dunav osiguranje AD's current Debt-to-EBITDA is -0.23. Overall, Dunav osiguranje AD has a GF Score™ of 19/100, reflecting its overall financial health beyond just this single metric.
How does Dunav osiguranje AD's Debt-to-EBITDA compare to BRK.A and AIG?
Dunav osiguranje AD's Debt-to-EBITDA of -0.23 can be compared against companies in the Insurance 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 320 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 Dunav osiguranje AD. 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. Dunav osiguranje AD's current Debt-to-EBITDA is -0.23. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Dunav osiguranje AD stock overvalued right now?
Dunav osiguranje AD (XBLB:KDVO-R-A) has a current Debt-to-EBITDA of -0.23. The stock's GF Value™ is BAM45.98, compared to a current price of BAM34.00 — trading 26.1% below its estimated fair value. The current Debt-to-EBITDA is -0.23. Dunav osiguranje AD's overall GF Score™ is 19/100 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 Dunav osiguranje AD (XBLB:KDVO-R-A), the current Debt-to-EBITDA is -0.23 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 Dunav osiguranje AD (XBLB:KDVO-R-A) Overvalued in 2026?
Based on GuruFocus' analysis, Dunav osiguranje AD stock appears to be undervalued.
The current stock price of BAM34.00 is trading 26.1% below its estimated GF Value™ of BAM45.98.
Key valuation signals for XBLB:KDVO-R-A:
Debt-to-EBITDA: -0.23
GF Value™: BAM45.98 vs. price of BAM34.00 (26.1% below fair value)
No single metric tells the full story. See the XBLB:KDVO-R-A stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Dunav osiguranje AD operates in the insurance industry in Bosnia and Herzegovina. The company offers property insurance, motor vehicle insurance, life insurance, travel health insurance, and insurance for agriculture and crops.
19GF Score
Get the complete analysis for XBLB:KDVO-R-A
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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