Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
LifeStar HoldingMAL:LSR 18 Debt-to-Equity is 0.31 as of Dec. 2025, which is 6% below its 10-year median of 0.33. GuruFocus rates MAL:LSR with a GF Score™ of 18/100. The stock has 2 warning signs investors should review. Among 407 Insurance companies, LifeStar Holding ranks worse than 64.86% 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 Holding's Debt-to-Equity or its related term are showing as below:
MAL:LSR'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.27 Med: 0.33 Max: 0.74
Current: 0.31
During the past 13 years, the highest Debt-to-Equity Ratio of LifeStar Holding was 0.74. The lowest was 0.27. And the median was 0.33.
MAL:LSR's Debt-to-Equity is ranked worse than 64.86% of 407
companies
in the Insurance industry
Industry Median: 0.2
vs MAL:LSR: 0.31
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 Holding Debt-to-Equity Related Terms
LifeStar Holding Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for LifeStar Holding'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:LSR vs MRSH, AON, AJG: Debt-to-Equity Comparison
For the Insurance Brokers subindustry, LifeStar Holding'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 Holding Debt-to-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, LifeStar Holding's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where LifeStar Holding'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 Holding (MAL:LSR) has a Debt-to-Equity of 0.31 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on LifeStar Holding and its competitors. This is near median its historical median of 0.33. Over the past decade, LifeStar Holding's Debt-to-Equity has ranged from 0.27 to 0.74. According to the industry distribution chart, LifeStar Holding ranks #264 out of 407 companies in the Insurance industry, placing it in the top 64.9%.
Is LifeStar Holding's Debt-to-Equity too high?
LifeStar Holding's current Debt-to-Equity of 0.31 is near median its 10-year median of 0.33. Over the past 10 years, this metric has ranged from a low of 0.27 to a high of 0.74. The Insurance industry median Debt-to-Equity is 0.20. LifeStar Holding's value of 0.31 is 55% above this industry median. Based on the distribution chart, LifeStar Holding ranks #264 out of 407 companies in the Insurance industry, which is below the industry midpoint. Overall, LifeStar Holding has a GF Score™ of 18/100, reflecting its overall financial health beyond just this single metric.
How does LifeStar Holding's Debt-to-Equity compare to MRSH and AON?
According to the Insurance industry distribution chart, LifeStar Holding ranks #264 out of 407 companies for Debt-to-Equity. This places LifeStar Holding in the lower half of its industry. The industry median Debt-to-Equity is 0.20. LifeStar Holding's value of 0.31 is 55% above this benchmark. Historically, LifeStar Holding's own Debt-to-Equity has ranged from 0.27 to 0.74 over the past decade. While the company's 10-year median is 0.33 vs. the industry median of 0.20, LifeStar Holding 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 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 Holding's current Debt-to-Equity of 0.31 is 55% 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 LifeStar Holding 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 Holding's current Debt-to-Equity is 0.31, which is near median its own 10-year median of 0.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is LifeStar Holding stock overvalued right now?
LifeStar Holding (MAL:LSR) has a current Debt-to-Equity of 0.31. The current Debt-to-Equity is 0.31, which is near median its 10-year median of 0.33 and 55% above the Insurance industry median of 0.20. LifeStar Holding's overall GF Score™ is 18/100 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 LifeStar Holding (MAL:LSR), the current Debt-to-Equity is 0.31 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 Holding PLC is a financial services company registered in Malta. The company operates in four segments namely Investment and advisory services, Business of insurance, Agency and brokerage Services, and Property Services. Geographically, the company operates in Malta.
18GF Score
Get the complete analysis for MAL:LSR
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
MAL:LSR has been successfully added to your 
