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Tune Protect Group BhdXKLS:5230 56 Debt-to-EBITDA is 1.20 as of Mar. 2026, which is 1614% above its 10-year median of 0.07. GuruFocus rates XKLS:5230 with a GF Score™ of 56/100 and a GF Value™ of RM0.39 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 320 Insurance companies, Tune Protect Group Bhd ranks better than 80.62% 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 Tune Protect Group Bhd's Debt-to-EBITDA or its related term are showing as below:
XKLS:5230'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -0.55 Med: 0.07 Max: 0.54
Current: 0.24
During the past 13 years, the highest Debt-to-EBITDA Ratio of Tune Protect Group Bhd was 0.54. The lowest was -0.55. And the median was 0.07.
XKLS:5230's Debt-to-EBITDA is ranked better than 80.62% of 320
companies
in the Insurance industry
Industry Median: 1.21
vs XKLS:5230: 0.24
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.
Tune Protect Group Bhd Debt-to-EBITDA Related Terms
Tune Protect Group Bhd Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Tune Protect Group 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:5230 vs BRK.A, AIG, HIG: Debt-to-EBITDA Comparison
For the Insurance - Diversified subindustry, Tune Protect Group 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.
Tune Protect Group Bhd Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Tune Protect Group Bhd's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Tune Protect Group 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.
Tune Protect Group Bhd (XKLS:5230) has a Debt-to-EBITDA of 1.20 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 Tune Protect Group Bhd. This is 1614% above median its historical median of 0.07. According to the industry distribution chart, Tune Protect Group Bhd ranks #62 out of 320 companies in the Insurance industry, placing it in the top 19.4%.
Is Tune Protect Group Bhd's Debt-to-EBITDA too high?
Tune Protect Group Bhd's current Debt-to-EBITDA of 1.20 is 1614% above median its 10-year median of 0.07. The Insurance industry median Debt-to-EBITDA is 1.21. Tune Protect Group Bhd's value of 1.20 is 0.8% below this industry median. Based on the distribution chart, Tune Protect Group Bhd ranks #62 out of 320 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Tune Protect Group Bhd has a GF Score™ of 56/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Tune Protect Group Bhd's Debt-to-EBITDA compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Tune Protect Group Bhd ranks #62 out of 320 companies for Debt-to-EBITDA. This places Tune Protect Group Bhd in the top 19% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 1.21. Tune Protect Group Bhd's value of 1.20 is 0.8% below this benchmark. While the company's 10-year median is 0.07 vs. the industry median of 1.21, Tune Protect Group 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 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. Tune Protect Group Bhd's current Debt-to-EBITDA of 1.20 is 0.8% 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 Tune Protect Group 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. Tune Protect Group Bhd's current Debt-to-EBITDA is 1.20, which is 1614% above median its own 10-year median of 0.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Tune Protect Group Bhd stock overvalued right now?
Based on GuruFocus' analysis, Tune Protect Group Bhd (XKLS:5230) is currently considered Significantly Undervalued. The stock's GF Value™ is RM0.39, compared to a current price of RM0.27 — trading 30.8% below its estimated fair value. The current Debt-to-EBITDA is 1.20, which is 1614% above median its 10-year median of 0.07 and 0.8% below the Insurance industry median of 1.21. Tune Protect Group Bhd's overall GF Score™ is 56/100 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 Tune Protect Group Bhd (XKLS:5230), the current Debt-to-EBITDA is 1.20 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 Tune Protect Group Bhd (XKLS:5230) Overvalued in 2026?
Based on GuruFocus' analysis, Tune Protect Group Bhd stock appears to be undervalued.
The current stock price of RM0.27 is trading 30.8% below its estimated GF Value™ of RM0.39.
GuruFocus considers Tune Protect Group Bhd to be Significantly Undervalued.
Key valuation signals for XKLS:5230:
Debt-to-EBITDA: 1.20 (1614% above median its 10-year median of 0.07)
GF Value™: RM0.39 vs. price of RM0.27 (30.8% below fair value)
Industry Position: 0.8% below the Insurance median (#62 of 320)
No single metric tells the full story. See the XKLS:5230 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Tune Protect Group Bhd is a Malaysian investment holding company that underwrites and reinsures non-life insurance products through its subsidiary companies. The group is organized into business segments as investment holding, and others, collective investment schemes, general reinsurance, general insurance business, and Life insurance business. The company has two general insurance businesses, Tune Protect Malaysia Berhad, as well as an associate company, Tune Protect Thailand. Both offer varieties of products while also underwriting travel businesses in their respective countries. The company generates the majority of its revenue from the General Insurance Business segment.
56GF Score
Get the complete analysis for XKLS:5230
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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