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Menora Mivtachim HoldingsXTAE:MMHD +2.40%64 Debt-to-EBITDA is 1.18 as of Jun. 2026, which is 49% below its 10-year median of 2.33. GuruFocus rates XTAE:MMHD with a GF Score™ of 64/100 and a GF Value™ of ₪231.30 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 318 Insurance companies, Menora Mivtachim Holdings ranks worse than 58.81% 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 Menora Mivtachim Holdings's Debt-to-EBITDA or its related term are showing as below:
XTAE:MMHD'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.09 Med: 2.33 Max: 5.98
Current: 1.52
During the past 13 years, the highest Debt-to-EBITDA Ratio of Menora Mivtachim Holdings was 5.98. The lowest was 1.09. And the median was 2.33.
XTAE:MMHD's Debt-to-EBITDA is ranked worse than 58.81% of 318
companies
in the Insurance industry
Industry Median: 1.23
vs XTAE:MMHD: 1.52
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.
Menora Mivtachim Holdings Debt-to-EBITDA Related Terms
Menora Mivtachim Holdings 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.
XTAE:MMHD vs MET, AFL, PRU: Debt-to-EBITDA Comparison
For the Insurance - Life subindustry, Menora Mivtachim Holdings'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.
Menora Mivtachim Holdings Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Menora Mivtachim Holdings's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Menora Mivtachim Holdings'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.
Menora Mivtachim Holdings (XTAE:MMHD) has a Debt-to-EBITDA of 1.18 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 Menora Mivtachim Holdings. This is 49% below median its historical median of 2.33. Over the past decade, Menora Mivtachim Holdings' Debt-to-EBITDA has ranged from 1.09 to 5.98. According to the industry distribution chart, Menora Mivtachim Holdings ranks #187 out of 318 companies in the Insurance industry, placing it in the top 58.8%.
Is Menora Mivtachim Holdings' Debt-to-EBITDA too high?
Menora Mivtachim Holdings' current Debt-to-EBITDA of 1.18 is 49% below median its 10-year median of 2.33. Over the past 10 years, this metric has ranged from a low of 1.09 to a high of 5.98. The Insurance industry median Debt-to-EBITDA is 1.23. Menora Mivtachim Holdings' value of 1.18 is 4.1% below this industry median. Based on the distribution chart, Menora Mivtachim Holdings ranks #187 out of 318 companies in the Insurance industry, which is below the industry midpoint. Overall, Menora Mivtachim Holdings has a GF Score™ of 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Menora Mivtachim Holdings' Debt-to-EBITDA compare to MET and AFL?
According to the Insurance industry distribution chart, Menora Mivtachim Holdings ranks #187 out of 318 companies for Debt-to-EBITDA. This places Menora Mivtachim Holdings in the lower half of its industry. The industry median Debt-to-EBITDA is 1.23. Menora Mivtachim Holdings' value of 1.18 is 4.1% below this benchmark. Historically, Menora Mivtachim Holdings' own Debt-to-EBITDA has ranged from 1.09 to 5.98 over the past decade. While the company's 10-year median is 2.33 vs. the industry median of 1.23, Menora Mivtachim Holdings 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 1.23, based on 318 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. Menora Mivtachim Holdings's current Debt-to-EBITDA of 1.18 is 4.1% 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 Menora Mivtachim Holdings. For the Insurance industry, the median Debt-to-EBITDA is 1.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Menora Mivtachim Holdings's current Debt-to-EBITDA is 1.18, which is 49% below median its own 10-year median of 2.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Menora Mivtachim Holdings stock overvalued right now?
Based on GuruFocus' analysis, Menora Mivtachim Holdings (XTAE:MMHD) is currently considered Significantly Overvalued. The stock's GF Value™ is ₪231.30, compared to a current price of ₪555.00 — trading 139.9% above its estimated fair value. The current Debt-to-EBITDA is 1.18, which is 49% below median its 10-year median of 2.33 and 4.1% below the Insurance industry median of 1.23. Menora Mivtachim Holdings' overall GF Score™ is 64/100 with 6 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 Menora Mivtachim Holdings (XTAE:MMHD), the current Debt-to-EBITDA is 1.18 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 Menora Mivtachim Holdings (XTAE:MMHD) Overvalued in 2026?
Based on GuruFocus' analysis, Menora Mivtachim Holdings stock appears to be overvalued.
The current stock price of ₪555.00 is trading 139.9% above its estimated GF Value™ of ₪231.30.
GuruFocus considers Menora Mivtachim Holdings to be Significantly Overvalued.
Key valuation signals for XTAE:MMHD:
Debt-to-EBITDA: 1.18 (49% below median its 10-year median of 2.33)
GF Value™: ₪231.30 vs. price of ₪555.00 (139.9% above fair value)
Industry Position: 4.1% below the Insurance median (#187 of 318)
No single metric tells the full story. See the XTAE:MMHD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Menora Mivtachim Holdings Ltd is a diversified insurance and finance group that operates in Israel. The company specializes in asset management and diversified insurance services, including general, life, and health insurance. Menora is also active within the capital market in a variety of fields, including corporate finance, investment banking, structured finance, and more. The company offers a broad variety of mutual funds that invest in various avenues in Israel and around the world, while also managing pension products and provident funds. The company's operating segments include Life insurance and long-term savings, focusing on policies, pension, and provident funds for death and disability risks, the Health insurance segment, and the Property and casualty insurance segment.
64GF Score
Get the complete analysis for XTAE:MMHD
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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