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LifeStar InsuranceMAL:LSI 17 Debt-to-Equity is 0.10 as of Dec. 2025, which is 11% above its 10-year median of 0.09. GuruFocus rates MAL:LSI with a GF Score™ of 17/100. The stock has 6 warning signs investors should review. Among 407 Insurance companies, LifeStar Insurance ranks better than 68.3% 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 LifeStar Insurance's Debt-to-Equity or its related term are showing as below:
MAL:LSI'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.08 Med: 0.09 Max: 0.1
Current: 0.1
During the past 6 years, the highest Debt-to-Equity Ratio of LifeStar Insurance was 0.10. The lowest was 0.08. And the median was 0.09.
MAL:LSI's Debt-to-Equity is ranked better than 68.3% of 407
companies
in the Insurance industry
Industry Median: 0.2
vs MAL:LSI: 0.10
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.
LifeStar Insurance Debt-to-Equity Related Terms
LifeStar Insurance Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for LifeStar 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.
MAL:LSI vs AFL, MET, PRU: Debt-to-Equity Comparison
For the Insurance - Life subindustry, LifeStar 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.
LifeStar Insurance Debt-to-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, LifeStar Insurance's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where LifeStar 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.
LifeStar Insurance (MAL:LSI) has a Debt-to-Equity of 0.10 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on LifeStar Insurance and its competitors. This is 11% above median its historical median of 0.09. Over the past decade, LifeStar Insurance's Debt-to-Equity has ranged from 0.08 to 0.10. According to the industry distribution chart, LifeStar Insurance ranks #129 out of 407 companies in the Insurance industry, placing it in the top 31.7%.
Is LifeStar Insurance's Debt-to-Equity too high?
LifeStar Insurance's current Debt-to-Equity of 0.10 is 11% above median its 10-year median of 0.09. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 0.10. The Insurance industry median Debt-to-Equity is 0.20. LifeStar Insurance's value of 0.10 is 50% below this industry median. Based on the distribution chart, LifeStar Insurance ranks #129 out of 407 companies in the Insurance industry, which is above the industry midpoint. Overall, LifeStar Insurance has a GF Score™ of 17/100, reflecting its overall financial health beyond just this single metric.
How does LifeStar Insurance's Debt-to-Equity compare to AFL and MET?
According to the Insurance industry distribution chart, LifeStar Insurance ranks #129 out of 407 companies for Debt-to-Equity. This puts LifeStar Insurance in the upper half of its industry. The industry median Debt-to-Equity is 0.20. LifeStar Insurance's value of 0.10 is 50% below this benchmark. Historically, LifeStar Insurance's own Debt-to-Equity has ranged from 0.08 to 0.10 over the past decade. While the company's 10-year median is 0.09 vs. the industry median of 0.20, LifeStar 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 0.20, based on 407 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. LifeStar Insurance's current Debt-to-Equity of 0.10 is 50% 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 LifeStar Insurance 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. LifeStar Insurance's current Debt-to-Equity is 0.10, which is 11% above median its own 10-year median of 0.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is LifeStar Insurance stock overvalued right now?
LifeStar Insurance (MAL:LSI) has a current Debt-to-Equity of 0.10. The current Debt-to-Equity is 0.10, which is 11% above median its 10-year median of 0.09 and 50% below the Insurance industry median of 0.20. LifeStar Insurance's overall GF Score™ is 17/100 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-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For LifeStar Insurance (MAL:LSI), the current Debt-to-Equity is 0.10 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.
LifeStar Insurance PLC is a provider of insurance products in Malta offering customers a comprehensive range of protection, savings and investment and retirement life insurance products. Its products are classified under Protection, Savings and Investment, Retirement, and Health products. The company has it's geographical concentration in Italy and Malta regions.
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