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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 Agesa Hayat Ve Emeklilik AS's Debt-to-Equity or its related term are showing as below:
IST:AGESA'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.01 Med: 0.03 Max: 0.07
Current: 0.03
During the past 13 years, the highest Debt-to-Equity Ratio of Agesa Hayat Ve Emeklilik AS was 0.07. The lowest was 0.01. And the median was 0.03.
IST:AGESA's Debt-to-Equity is ranked better than 83.42% of 404
companies
in the Insurance industry
Industry Median: 0.21
vs IST:AGESA: 0.03
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.
Agesa Hayat Ve Emeklilik AS Debt-to-Equity Related Terms
Agesa Hayat Ve Emeklilik AS Debt-to-Equity 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.
IST:AGESA vs BRK.A, AIG, HIG: Debt-to-Equity Comparison
For the Insurance - Diversified subindustry, Agesa Hayat Ve Emeklilik AS'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.
Agesa Hayat Ve Emeklilik AS Debt-to-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Agesa Hayat Ve Emeklilik AS's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Agesa Hayat Ve Emeklilik AS'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.
Agesa Hayat Ve Emeklilik AS (IST:AGESA) has a Debt-to-Equity of 0.03 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Agesa Hayat Ve Emeklilik AS and its competitors. This is near median its historical median of 0.03. Over the past decade, Agesa Hayat Ve Emeklilik AS's Debt-to-Equity has ranged from 0.01 to 0.07. According to the industry distribution chart, Agesa Hayat Ve Emeklilik AS ranks #67 out of 404 companies in the Insurance industry, placing it in the top 16.6%.
Is Agesa Hayat Ve Emeklilik AS's Debt-to-Equity too high?
Agesa Hayat Ve Emeklilik AS's current Debt-to-Equity of 0.03 is near median its 10-year median of 0.03. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 0.07. The Insurance industry median Debt-to-Equity is 0.21. Agesa Hayat Ve Emeklilik AS's value of 0.03 is 85.7% below this industry median. Based on the distribution chart, Agesa Hayat Ve Emeklilik AS ranks #67 out of 404 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Agesa Hayat Ve Emeklilik AS has a GF Score™ of 58/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Agesa Hayat Ve Emeklilik AS's Debt-to-Equity compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Agesa Hayat Ve Emeklilik AS ranks #67 out of 404 companies for Debt-to-Equity. This places Agesa Hayat Ve Emeklilik AS in the top 17% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.21. Agesa Hayat Ve Emeklilik AS's value of 0.03 is 85.7% below this benchmark. Historically, Agesa Hayat Ve Emeklilik AS's own Debt-to-Equity has ranged from 0.01 to 0.07 over the past decade. While the company's 10-year median is 0.03 vs. the industry median of 0.21, Agesa Hayat Ve Emeklilik AS 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 404 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. Agesa Hayat Ve Emeklilik AS's current Debt-to-Equity of 0.03 is 85.7% 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 Agesa Hayat Ve Emeklilik AS 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. Agesa Hayat Ve Emeklilik AS's current Debt-to-Equity is 0.03, which is near median its own 10-year median of 0.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Agesa Hayat Ve Emeklilik AS stock overvalued right now?
Based on GuruFocus' analysis, Agesa Hayat Ve Emeklilik AS (IST:AGESA) is currently considered Modestly Undervalued. The stock's GF Value™ is ₺285.36, compared to a current price of ₺236.00 — trading 17.3% below its estimated fair value. The current Debt-to-Equity is 0.03, which is near median its 10-year median of 0.03 and 85.7% below the Insurance industry median of 0.21. Agesa Hayat Ve Emeklilik AS's overall GF Score™ is 58/100 with 2 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 Agesa Hayat Ve Emeklilik AS (IST:AGESA), the current Debt-to-Equity is 0.03 as of Mar. 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 Agesa Hayat Ve Emeklilik AS (IST:AGESA) Overvalued in 2026?
Based on GuruFocus' analysis, Agesa Hayat Ve Emeklilik AS stock appears to be undervalued.
The current stock price of ₺236.00 is trading 17.3% below its estimated GF Value™ of ₺285.36.
GuruFocus considers Agesa Hayat Ve Emeklilik AS to be Modestly Undervalued.
Key valuation signals for IST:AGESA:
Debt-to-Equity: 0.03 (near median its 10-year median of 0.03)
GF Value™: ₺285.36 vs. price of ₺236.00 (17.3% below fair value)
Industry Position: 85.7% below the Insurance median (#67 of 404)
No single metric tells the full story. See the IST:AGESA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Agesa Hayat Ve Emeklilik AS is a diversified insurance company that provides private pension and life insurance services to customers in Turkey. The company operates various distribution channels including direct advisor sales, sales from the bank branch representatives, agents, and telemarketing. AvivaSA reports through four segments, including Pension, Life Protection, Life Savings, and Personal Accident. The company generates key revenue through its Life Protection segment.
58GF Score
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