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ChesnaraCHIX:CSNL -1.62%50 Debt-to-Equity is 0.36 as of Dec. 2025, which is 33% above its 10-year median of 0.27. GuruFocus rates CHIX:CSNL with a GF Score™ of 50/100 and a GF Value™ of £1.63 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 406 Insurance companies, Chesnara ranks worse than 71.18% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Chesnara's Debt-to-Equity or its related term are showing as below:
CHIX:CSNl'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.11 Med: 0.27 Max: 0.66
Current: 0.36
During the past 13 years, the highest Debt-to-Equity Ratio of Chesnara was 0.66. The lowest was 0.11. And the median was 0.27.
CHIX:CSNl's Debt-to-Equity is ranked worse than 71.18% of 406
companies
in the Insurance industry
Industry Median: 0.2
vs CHIX:CSNl: 0.36
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Chesnara Debt-to-Equity Related Terms
Chesnara Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Chesnara's Debt-to-Equity 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.
CHIX:CSNL vs AFL, MET, PRU: Debt-to-Equity Comparison
For the Insurance - Life subindustry, Chesnara's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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.
Chesnara Debt-to-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Chesnara's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Chesnara's Debt-to-Equity 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.
Chesnara (CHIX:CSNL) has a Debt-to-Equity of 0.36 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Chesnara and its competitors. This is 33% above median its historical median of 0.27. Over the past decade, Chesnara's Debt-to-Equity has ranged from 0.11 to 0.66. According to the industry distribution chart, Chesnara ranks #289 out of 406 companies in the Insurance industry, placing it in the top 71.2%.
Is Chesnara's Debt-to-Equity too high?
Chesnara's current Debt-to-Equity of 0.36 is 33% above median its 10-year median of 0.27. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 0.66. The Insurance industry median Debt-to-Equity is 0.20. Chesnara's value of 0.36 is 80% above this industry median. Based on the distribution chart, Chesnara ranks #289 out of 406 companies in the Insurance industry, which is below the industry midpoint. Overall, Chesnara has a GF Score™ of 50/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Chesnara's Debt-to-Equity compare to AFL and MET?
According to the Insurance industry distribution chart, Chesnara ranks #289 out of 406 companies for Debt-to-Equity. This places Chesnara in the lower half of its industry. The industry median Debt-to-Equity is 0.20. Chesnara's value of 0.36 is 80% above this benchmark. Historically, Chesnara's own Debt-to-Equity has ranged from 0.11 to 0.66 over the past decade. While the company's 10-year median is 0.27 vs. the industry median of 0.20, Chesnara 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-Equity for an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.20, based on 406 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Chesnara's current Debt-to-Equity of 0.36 is 80% 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-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Chesnara and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Chesnara's current Debt-to-Equity is 0.36, which is 33% above median its own 10-year median of 0.27. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Chesnara stock overvalued right now?
Based on GuruFocus' analysis, Chesnara (CHIX:CSNL) is currently considered Significantly Overvalued. The stock's GF Value™ is £1.63, compared to a current price of £3.34 — trading 104.9% above its estimated fair value. The current Debt-to-Equity is 0.36, which is 33% above median its 10-year median of 0.27 and 80% above the Insurance industry median of 0.20. Chesnara's overall GF Score™ is 50/100 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-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Chesnara (CHIX:CSNL), the current Debt-to-Equity is 0.36 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 Chesnara (CHIX:CSNL) Overvalued in 2026?
Based on GuruFocus' analysis, Chesnara stock appears to be overvalued.
The current stock price of £3.34 is trading 104.9% above its estimated GF Value™ of £1.63.
GuruFocus considers Chesnara to be Significantly Overvalued.
Key valuation signals for CHIX:CSNL:
Debt-to-Equity: 0.36 (33% above median its 10-year median of 0.27)
GF Value™: £1.63 vs. price of £3.34 (104.9% above fair value)
Industry Position: 80% above the Insurance median (#289 of 406)
No single metric tells the full story. See the CHIX:CSNL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Chesnara PLC is engaged in the life assurance and pensions business, operating as a consolidator of life insurance and retirement savings portfolios. The Group has three reportable segments: UK, Sweden, and the Netherlands. The UK segment comprises life insurance and pensions operations through Countrywide Assured plc. The Sweden segment includes Movestic, which focuses on unit-linked pension business and provides life and health products. The Netherlands segment represents the combined Dutch life insurance business under the Scildon brand, following the integration of Waard and Scildon, and offers protection, individual savings, and group pension contracts.
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