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OUTsurance GroupJSE:OUT -0.40%74 Debt-to-Equity is 0.02 as of Dec. 2025, which is at its 10-year median of 0.02. GuruFocus rates JSE:OUT with a GF Score™ of 74/100 and a GF Value™ of R46.70 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 406 Insurance companies, OUTsurance Group ranks better than 88.67% 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 OUTsurance Group's Debt-to-Equity or its related term are showing as below:
JSE:OUT'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0 Med: 0.02 Max: 0.6
Current: 0.02
During the past 13 years, the highest Debt-to-Equity Ratio of OUTsurance Group was 0.60. The lowest was 0.00. And the median was 0.02.
JSE:OUT's Debt-to-Equity is ranked better than 88.67% of 406
companies
in the Insurance industry
Industry Median: 0.2
vs JSE:OUT: 0.02
OUTsurance Group (JSE:OUT) Debt-to-Equity Explanation
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.
OUTsurance Group Debt-to-Equity Related Terms
OUTsurance Group Debt-to-Equity Historical Data
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The historical data trend for OUTsurance Group'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.
JSE:OUT vs BRK.A, AIG, HIG: Debt-to-Equity Comparison
For the Insurance - Diversified subindustry, OUTsurance Group'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.
OUTsurance Group Debt-to-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, OUTsurance Group's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where OUTsurance Group'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.
OUTsurance Group (JSE:OUT) has a Debt-to-Equity of 0.02 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on OUTsurance Group and its competitors. This is near median its historical median of 0.02. According to the industry distribution chart, OUTsurance Group ranks #46 out of 406 companies in the Insurance industry, placing it in the top 11.3%.
Is OUTsurance Group's Debt-to-Equity too high?
OUTsurance Group's current Debt-to-Equity of 0.02 is near median its 10-year median of 0.02. The Insurance industry median Debt-to-Equity is 0.20. OUTsurance Group's value of 0.02 is 90% below this industry median. Based on the distribution chart, OUTsurance Group ranks #46 out of 406 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, OUTsurance Group has a GF Score™ of 74/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does OUTsurance Group's Debt-to-Equity compare to BRK.A and AIG?
According to the Insurance industry distribution chart, OUTsurance Group ranks #46 out of 406 companies for Debt-to-Equity. This places OUTsurance Group in the top 11% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.20. OUTsurance Group's value of 0.02 is 90% below this benchmark. While the company's 10-year median is 0.02 vs. the industry median of 0.20, OUTsurance Group 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 0.20, 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. OUTsurance Group's current Debt-to-Equity of 0.02 is 90% 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 OUTsurance Group 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. OUTsurance Group's current Debt-to-Equity is 0.02, which is near median its own 10-year median of 0.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is OUTsurance Group stock overvalued right now?
Based on GuruFocus' analysis, OUTsurance Group (JSE:OUT) is currently considered Significantly Overvalued. The stock's GF Value™ is R46.70, compared to a current price of R80.46 — trading 72.3% above its estimated fair value. The current Debt-to-Equity is 0.02, which is near median its 10-year median of 0.02 and 90% below the Insurance industry median of 0.20. OUTsurance Group's overall GF Score™ is 74/100 with 3 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 OUTsurance Group (JSE:OUT), the current Debt-to-Equity is 0.02 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 OUTsurance Group (JSE:OUT) Overvalued in 2026?
Based on GuruFocus' analysis, OUTsurance Group stock appears to be overvalued.
The current stock price of R80.46 is trading 72.3% above its estimated GF Value™ of R46.70.
GuruFocus considers OUTsurance Group to be Significantly Overvalued.
Key valuation signals for JSE:OUT:
Debt-to-Equity: 0.02 (near median its 10-year median of 0.02)
GF Value™: R46.70 vs. price of R80.46 (72.3% above fair value)
Industry Position: 90% below the Insurance median (#46 of 406)
No single metric tells the full story. See the JSE:OUT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
OUTsurance Group Ltd is an insurance group that specialises in Property and Casualty insurance. Its main segments include personal insurance, business insurance, compulsory third-party vehicle insurance, life insurance, and administration services. The company provides motor, home, business, life, funeral, and pet insurance products through its subsidiaries. The company's primary source of revenue is insurance premiums. The group's activities are focused on the South African, Australian and Irish markets.
74GF Score
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