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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 Central Insurance's Debt-to-Equity or its related term are showing as below:
DHA:CENTRALINS'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.04 Med: 0.05 Max: 0.14
Current: 0.04
During the past 13 years, the highest Debt-to-Equity Ratio of Central Insurance was 0.14. The lowest was 0.04. And the median was 0.05.
DHA:CENTRALINS's Debt-to-Equity is ranked better than 80.75% of 400
companies
in the Insurance industry
Industry Median: 0.21
vs DHA:CENTRALINS: 0.04
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.
Central Insurance Debt-to-Equity Related Terms
Central Insurance Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Central Insurance'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.
DHA:CENTRALINS vs CB, PGR, TRV: Debt-to-Equity Comparison
For the Insurance - Property & Casualty subindustry, Central Insurance'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.
Central Insurance Debt-to-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Central Insurance's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Central Insurance'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.
Central Insurance (DHA:CENTRALINS) has a Debt-to-Equity of 0.04 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Central Insurance and its competitors. This is 20% below median its historical median of 0.05. Over the past decade, Central Insurance's Debt-to-Equity has ranged from 0.04 to 0.14. According to the industry distribution chart, Central Insurance ranks #77 out of 400 companies in the Insurance industry, placing it in the top 19.2%.
Is Central Insurance's Debt-to-Equity too high?
Central Insurance's current Debt-to-Equity of 0.04 is 20% below median its 10-year median of 0.05. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 0.14. The Insurance industry median Debt-to-Equity is 0.21. Central Insurance's value of 0.04 is 81% below this industry median. Based on the distribution chart, Central Insurance ranks #77 out of 400 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Central Insurance has a GF Score™ of 81/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Central Insurance's Debt-to-Equity compare to CB and PGR?
According to the Insurance industry distribution chart, Central Insurance ranks #77 out of 400 companies for Debt-to-Equity. This places Central Insurance in the top 19% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.21. Central Insurance's value of 0.04 is 81% below this benchmark. Historically, Central Insurance's own Debt-to-Equity has ranged from 0.04 to 0.14 over the past decade. While the company's 10-year median is 0.05 vs. the industry median of 0.21, Central Insurance 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-Equity for an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.21, based on 400 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. Central Insurance's current Debt-to-Equity of 0.04 is 81% 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-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 Central Insurance and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Central Insurance's current Debt-to-Equity is 0.04, which is 20% below median its own 10-year median of 0.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Central Insurance stock overvalued right now?
Based on GuruFocus' analysis, Central Insurance (DHA:CENTRALINS) is currently considered Fairly Valued. The stock's GF Value™ is BDT43.88, compared to a current price of BDT44.00 — trading 0.3% above its estimated fair value. The current Debt-to-Equity is 0.04, which is 20% below median its 10-year median of 0.05 and 81% below the Insurance industry median of 0.21. Central Insurance's overall GF Score™ is 81/100 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 Central Insurance (DHA:CENTRALINS), the current Debt-to-Equity is 0.04 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 Central Insurance (DHA:CENTRALINS) Overvalued in 2026?
Based on GuruFocus' analysis, Central Insurance stock appears to be overvalued.
The current stock price of BDT44.00 is trading 0.3% above its estimated GF Value™ of BDT43.88.
GuruFocus considers Central Insurance to be Fairly Valued.
Key valuation signals for DHA:CENTRALINS:
Debt-to-Equity: 0.04 (20% below median its 10-year median of 0.05)
GF Value™: BDT43.88 vs. price of BDT44.00 (0.3% above fair value)
Industry Position: 81% below the Insurance median (#77 of 400)
No single metric tells the full story. See the DHA:CENTRALINS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Central Insurance PLC is a Non-life Insurance Company, engaged in the business of providing all kinds of non-life insurance products and services in Bangladesh. Its products and services include: Fire Insurance, Marine Cargo, Marine Hull, Engineering, Overseas Mediclaim and Holiday, Motor, Various Liability, Aviation Hull and Liability and Miscellaneous Insurances.
81GF Score
Get the complete analysis for DHA:CENTRALINS
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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