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LPI Capital BhdXKLS:8621 -0.13%75 Debt-to-EBITDA is 0.09 as of Jun. 2026, which is 10% below its 10-year median of 0.10. GuruFocus rates XKLS:8621 with a GF Score™ of 75/100 and a GF Value™ of RM16.19 (Fairly Valued). The stock has 3 warning signs investors should review. Among 319 Insurance companies, LPI Capital Bhd ranks better than 89.97% 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 LPI Capital Bhd's Debt-to-EBITDA or its related term are showing as below:
XKLS:8621'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0 Med: 0.1 Max: 0.13
Current: 0.07
During the past 13 years, the highest Debt-to-EBITDA Ratio of LPI Capital Bhd was 0.13. The lowest was 0.00. And the median was 0.10.
XKLS:8621's Debt-to-EBITDA is ranked better than 89.97% of 319
companies
in the Insurance industry
Industry Median: 1.26
vs XKLS:8621: 0.07
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.
LPI Capital Bhd Debt-to-EBITDA Related Terms
LPI Capital Bhd Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for LPI Capital 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:8621 vs CB, PGR, TRV: Debt-to-EBITDA Comparison
For the Insurance - Property & Casualty subindustry, LPI Capital 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.
LPI Capital Bhd Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, LPI Capital Bhd's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where LPI Capital 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 (Jun. 2026) EBITDA data.
LPI Capital Bhd (XKLS:8621) has a Debt-to-EBITDA of 0.09 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on LPI Capital Bhd. This is 10% below median its historical median of 0.10. According to the industry distribution chart, LPI Capital Bhd ranks #32 out of 319 companies in the Insurance industry, placing it in the top 10%.
Is LPI Capital Bhd's Debt-to-EBITDA too high?
LPI Capital Bhd's current Debt-to-EBITDA of 0.09 is 10% below median its 10-year median of 0.10. The Insurance industry median Debt-to-EBITDA is 1.26. LPI Capital Bhd's value of 0.09 is 92.9% below this industry median. Based on the distribution chart, LPI Capital Bhd ranks #32 out of 319 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, LPI Capital Bhd has a GF Score™ of 75/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does LPI Capital Bhd's Debt-to-EBITDA compare to CB and PGR?
According to the Insurance industry distribution chart, LPI Capital Bhd ranks #32 out of 319 companies for Debt-to-EBITDA. This places LPI Capital Bhd in the top 10% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 1.26. LPI Capital Bhd's value of 0.09 is 92.9% below this benchmark. While the company's 10-year median is 0.10 vs. the industry median of 1.26, LPI Capital 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 1.26, based on 319 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. LPI Capital Bhd's current Debt-to-EBITDA of 0.09 is 92.9% 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 LPI Capital Bhd. For the Insurance industry, the median Debt-to-EBITDA is 1.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. LPI Capital Bhd's current Debt-to-EBITDA is 0.09, which is 10% below median its own 10-year median of 0.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is LPI Capital Bhd stock overvalued right now?
Based on GuruFocus' analysis, LPI Capital Bhd (XKLS:8621) is currently considered Fairly Valued. The stock's GF Value™ is RM16.19, compared to a current price of RM14.80 — trading 8.6% below its estimated fair value. The current Debt-to-EBITDA is 0.09, which is 10% below median its 10-year median of 0.10 and 92.9% below the Insurance industry median of 1.26. LPI Capital Bhd's overall GF Score™ is 75/100 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 LPI Capital Bhd (XKLS:8621), the current Debt-to-EBITDA is 0.09 as of Jun. 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 LPI Capital Bhd (XKLS:8621) Overvalued in 2026?
Based on GuruFocus' analysis, LPI Capital Bhd stock appears to be undervalued.
The current stock price of RM14.80 is trading 8.6% below its estimated GF Value™ of RM16.19.
GuruFocus considers LPI Capital Bhd to be Fairly Valued.
Key valuation signals for XKLS:8621:
Debt-to-EBITDA: 0.09 (10% below median its 10-year median of 0.10)
GF Value™: RM16.19 vs. price of RM14.80 (8.6% below fair value)
Industry Position: 92.9% below the Insurance median (#32 of 319)
No single metric tells the full story. See the XKLS:8621 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
LPI Capital Bhd is principally engaged in investment holding activities. The company comprises the following main business segments: i) General insurance - Underwriting of all classes of general insurance business, mainly carried out by Lonpac Insurance Bhd, ii) Investment holding - Investment holding operations, mainly carried out by LPI Capital Bhd. The majority of the revenue is derived from the General insurance segment. Geographically, it generates the maximum revenue from Malaysia.
75GF Score
Get the complete analysis for XKLS:8621
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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