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Manulife Holdings BhdXKLS:1058 66 Debt-to-EBITDA is 0.03 as of Mar. 2026, which is 50% above its 10-year median of 0.02. GuruFocus rates XKLS:1058 with a GF Score™ of 66/100 and a GF Value™ of RM2.50 (Fairly Valued). The stock has 3 warning signs investors should review. Among 324 Insurance companies, Manulife Holdings Bhd ranks better than 96.3% 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 Manulife Holdings Bhd's Debt-to-EBITDA or its related term are showing as below:
XKLS:1058'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.01 Med: 0.02 Max: 0.06
Current: 0.02
During the past 13 years, the highest Debt-to-EBITDA Ratio of Manulife Holdings Bhd was 0.06. The lowest was 0.01. And the median was 0.02.
XKLS:1058's Debt-to-EBITDA is ranked better than 96.3% of 324
companies
in the Insurance industry
Industry Median: 1.21
vs XKLS:1058: 0.02
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.
Manulife Holdings Bhd Debt-to-EBITDA Related Terms
Manulife Holdings Bhd Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Manulife Holdings Bhd'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.
XKLS:1058 vs AFL, MET, PRU: Debt-to-EBITDA Comparison
For the Insurance - Life subindustry, Manulife Holdings Bhd'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.
Manulife Holdings Bhd Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Manulife Holdings Bhd's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Manulife Holdings Bhd'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 four times the quarterly (Mar. 2026) EBITDA data.
Manulife Holdings Bhd (XKLS:1058) has a Debt-to-EBITDA of 0.03 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Manulife Holdings Bhd. This is 50% above median its historical median of 0.02. Over the past decade, Manulife Holdings Bhd's Debt-to-EBITDA has ranged from 0.01 to 0.06. According to the industry distribution chart, Manulife Holdings Bhd ranks #12 out of 324 companies in the Insurance industry, placing it in the top 3.7%.
Is Manulife Holdings Bhd's Debt-to-EBITDA too high?
Manulife Holdings Bhd's current Debt-to-EBITDA of 0.03 is 50% above median its 10-year median of 0.02. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 0.06. The Insurance industry median Debt-to-EBITDA is 1.21. Manulife Holdings Bhd's value of 0.03 is 97.5% below this industry median. Based on the distribution chart, Manulife Holdings Bhd ranks #12 out of 324 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Manulife Holdings Bhd has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Manulife Holdings Bhd's Debt-to-EBITDA compare to AFL and MET?
According to the Insurance industry distribution chart, Manulife Holdings Bhd ranks #12 out of 324 companies for Debt-to-EBITDA. This places Manulife Holdings Bhd in the top 4% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 1.21. Manulife Holdings Bhd's value of 0.03 is 97.5% below this benchmark. Historically, Manulife Holdings Bhd's own Debt-to-EBITDA has ranged from 0.01 to 0.06 over the past decade. While the company's 10-year median is 0.02 vs. the industry median of 1.21, Manulife Holdings Bhd has consistently been below 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 1.21, 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. Manulife Holdings Bhd's current Debt-to-EBITDA of 0.03 is 97.5% below 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 Manulife Holdings Bhd. For the Insurance industry, the median Debt-to-EBITDA is 1.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Manulife Holdings Bhd's current Debt-to-EBITDA is 0.03, which is 50% above median its own 10-year median of 0.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Manulife Holdings Bhd stock overvalued right now?
Based on GuruFocus' analysis, Manulife Holdings Bhd (XKLS:1058) is currently considered Fairly Valued. The stock's GF Value™ is RM2.50, compared to a current price of RM2.35 — trading 6% below its estimated fair value. The current Debt-to-EBITDA is 0.03, which is 50% above median its 10-year median of 0.02 and 97.5% below the Insurance industry median of 1.21. Manulife Holdings Bhd's overall GF Score™ is 66/100 with 3 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 Manulife Holdings Bhd (XKLS:1058), the current Debt-to-EBITDA is 0.03 as of Mar. 2026. 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 Manulife Holdings Bhd (XKLS:1058) Overvalued in 2026?
Based on GuruFocus' analysis, Manulife Holdings Bhd stock appears to be undervalued.
The current stock price of RM2.35 is trading 6% below its estimated GF Value™ of RM2.50.
GuruFocus considers Manulife Holdings Bhd to be Fairly Valued.
Key valuation signals for XKLS:1058:
Debt-to-EBITDA: 0.03 (50% above median its 10-year median of 0.02)
GF Value™: RM2.50 vs. price of RM2.35 (6% below fair value)
Industry Position: 97.5% below the Insurance median (#12 of 324)
No single metric tells the full story. See the XKLS:1058 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Manulife Holdings Bhd is an investment holding company that is engaged in the business of life insurance business, management of unit trust funds, private retirement scheme funds, investment, and fund management. The company operates through Investment Holding, Life Insurance and Asset Management Services segments. The investment holding segment includes Investment holding operations and other segments; Life insurance segment includes underwriting of Participating life and Non-participating life insurance and unit-linked products; and Asset management services include asset management, unit trust, private retirement scheme funds. The group's principal revenue source is from the Life insurance business segment.
66GF Score
Get the complete analysis for XKLS:1058
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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