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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 Helvetia Baloise Holding AG's Debt-to-EBITDA or its related term are showing as below:
XSWX:HBAN'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.31 Med: 2.11 Max: 4.45
Current: 4.45
During the past 13 years, the highest Debt-to-EBITDA Ratio of Helvetia Baloise Holding AG was 4.45. The lowest was 1.31. And the median was 2.11.
XSWX:HBAN's Debt-to-EBITDA is ranked worse than 89.69% of 320
companies
in the Insurance industry
Industry Median: 1.175
vs XSWX:HBAN: 4.45
Helvetia Baloise Holding AG (XSWX:HBAN) 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.
Helvetia Baloise Holding AG Debt-to-EBITDA Related Terms
Helvetia Baloise Holding AG Debt-to-EBITDA Historical Data
* 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.
XSWX:HBAN vs BRK.A, AIG, HIG: Debt-to-EBITDA Comparison
For the Insurance - Diversified subindustry, Helvetia Baloise Holding AG'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.
Helvetia Baloise Holding AG Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Helvetia Baloise Holding AG's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Helvetia Baloise Holding AG'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.
Helvetia Baloise Holding AG (XSWX:HBAN) has a Debt-to-EBITDA of 4.66 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 Helvetia Baloise Holding AG. This is 121% above median its historical median of 2.11. Over the past decade, Helvetia Baloise Holding AG's Debt-to-EBITDA has ranged from 1.31 to 4.45. According to the industry distribution chart, Helvetia Baloise Holding AG ranks #287 out of 320 companies in the Insurance industry, placing it in the top 89.7%.
Is Helvetia Baloise Holding AG's Debt-to-EBITDA too high?
Helvetia Baloise Holding AG's current Debt-to-EBITDA of 4.66 is 121% above median its 10-year median of 2.11. Over the past 10 years, this metric has ranged from a low of 1.31 to a high of 4.45. The Insurance industry median Debt-to-EBITDA is 1.18. Helvetia Baloise Holding AG's value of 4.66 is 296.6% above this industry median. Based on the distribution chart, Helvetia Baloise Holding AG ranks #287 out of 320 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Helvetia Baloise Holding AG has a GF Score™ of 79/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Helvetia Baloise Holding AG's Debt-to-EBITDA compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Helvetia Baloise Holding AG ranks #287 out of 320 companies for Debt-to-EBITDA. This places Helvetia Baloise Holding AG in the lower half of its industry. The industry median Debt-to-EBITDA is 1.18. Helvetia Baloise Holding AG's value of 4.66 is 296.6% above this benchmark. Historically, Helvetia Baloise Holding AG's own Debt-to-EBITDA has ranged from 1.31 to 4.45 over the past decade. While the company's 10-year median is 2.11 vs. the industry median of 1.18, Helvetia Baloise Holding AG has consistently been above 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 1.18, 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. Helvetia Baloise Holding AG's current Debt-to-EBITDA of 4.66 is 296.6% above 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 Helvetia Baloise Holding AG. For the Insurance industry, the median Debt-to-EBITDA is 1.18 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Helvetia Baloise Holding AG's current Debt-to-EBITDA is 4.66, which is 121% above median its own 10-year median of 2.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Helvetia Baloise Holding AG stock overvalued right now?
Based on GuruFocus' analysis, Helvetia Baloise Holding AG (XSWX:HBAN) is currently considered Modestly Overvalued. The stock's GF Value™ is CHF189.16, compared to a current price of CHF216.60 — trading 14.5% above its estimated fair value. The current Debt-to-EBITDA is 4.66, which is 121% above median its 10-year median of 2.11 and 296.6% above the Insurance industry median of 1.18. Helvetia Baloise Holding AG's overall GF Score™ is 79/100 with 5 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 Helvetia Baloise Holding AG (XSWX:HBAN), the current Debt-to-EBITDA is 4.66 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 Helvetia Baloise Holding AG (XSWX:HBAN) Overvalued in 2026?
Based on GuruFocus' analysis, Helvetia Baloise Holding AG stock appears to be overvalued.
The current stock price of CHF216.60 is trading 14.5% above its estimated GF Value™ of CHF189.16.
GuruFocus considers Helvetia Baloise Holding AG to be Modestly Overvalued.
Key valuation signals for XSWX:HBAN:
Debt-to-EBITDA: 4.66 (121% above median its 10-year median of 2.11)
GF Value™: CHF189.16 vs. price of CHF216.60 (14.5% above fair value)
Industry Position: 296.6% above the Insurance median (#287 of 320)
No single metric tells the full story. See the XSWX:HBAN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Helvetia Baloise Holding AG is a multi-line insurance company. The company provides pension, specialty insurance and reinsurance services, and other financial solutions. The company represents it's seven reportable segments namely Switzerland, Spain, Germany, Belgium, Luxembourg, Italian and Austrian Markets, Specialty Markets, and Corporate and other. Company generates majority revenue from Switzerland business segment.
79GF Score
Get the complete analysis for XSWX:HBAN
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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