Swiss Re AGSSREF 67 Debt-to-Equity is 0.33 as of Dec. 2025, which is 8% below its 10-year median of 0.36. GuruFocus rates SSREF with a GF Score™ of 67/100 and a GF Value™ of $130.89 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 410 Insurance companies, Swiss Re AG ranks worse than 67.8% 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 Swiss Re AG's Debt-to-Equity or its related term are showing as below:
SSREF'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.31 Med: 0.36 Max: 0.5
Current: 0.33
During the past 13 years, the highest Debt-to-Equity Ratio of Swiss Re AG was 0.50. The lowest was 0.31. And the median was 0.36.
SSREF's Debt-to-Equity is ranked worse than 67.8% of 410
companies
in the Insurance industry
Industry Median: 0.2
vs SSREF: 0.33
Swiss Re AG (OTCPK:SSREF) 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.
Swiss Re AG Debt-to-Equity Related Terms
Swiss Re AG Debt-to-Equity Historical Data
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The historical data trend for Swiss Re AG'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.
For the Insurance - Reinsurance subindustry, Swiss Re AG'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.
Swiss Re AG Debt-to-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Swiss Re AG's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Swiss Re AG'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.
Swiss Re AG (SSREF) has a Debt-to-Equity of 0.33 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Swiss Re AG and its competitors. This is near median its historical median of 0.36. Over the past decade, Swiss Re AG's Debt-to-Equity has ranged from 0.31 to 0.50. According to the industry distribution chart, Swiss Re AG ranks #278 out of 410 companies in the Insurance industry, placing it in the top 67.8%.
Is Swiss Re AG's Debt-to-Equity too high?
Swiss Re AG's current Debt-to-Equity of 0.33 is near median its 10-year median of 0.36. Over the past 10 years, this metric has ranged from a low of 0.31 to a high of 0.50. The Insurance industry median Debt-to-Equity is 0.20. Swiss Re AG's value of 0.33 is 65% above this industry median. Based on the distribution chart, Swiss Re AG ranks #278 out of 410 companies in the Insurance industry, which is below the industry midpoint. Overall, Swiss Re AG has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Swiss Re AG's Debt-to-Equity compare to RGA and EG?
According to the Insurance industry distribution chart, Swiss Re AG ranks #278 out of 410 companies for Debt-to-Equity. This places Swiss Re AG in the lower half of its industry. The industry median Debt-to-Equity is 0.20. Swiss Re AG's value of 0.33 is 65% above this benchmark. Historically, Swiss Re AG's own Debt-to-Equity has ranged from 0.31 to 0.50 over the past decade. While the company's 10-year median is 0.36 vs. the industry median of 0.20, Swiss Re AG 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 410 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. Swiss Re AG's current Debt-to-Equity of 0.33 is 65% 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 Swiss Re AG 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. Swiss Re AG's current Debt-to-Equity is 0.33, which is near median its own 10-year median of 0.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Swiss Re AG stock overvalued right now?
Based on GuruFocus' analysis, Swiss Re AG (SSREF) is currently considered Modestly Overvalued. The stock's GF Value™ is $130.89, compared to a current price of $158.02 — trading 20.7% above its estimated fair value. The current Debt-to-Equity is 0.33, which is near median its 10-year median of 0.36 and 65% above the Insurance industry median of 0.20. Swiss Re AG's overall GF Score™ is 67/100 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 Swiss Re AG (SSREF), the current Debt-to-Equity is 0.33 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 Swiss Re AG (SSREF) Overvalued in 2026?
Based on GuruFocus' analysis, Swiss Re AG stock appears to be overvalued.
The current stock price of $158.02 is trading 20.7% above its estimated GF Value™ of $130.89.
GuruFocus considers Swiss Re AG to be Modestly Overvalued.
Key valuation signals for SSREF:
Debt-to-Equity: 0.33 (near median its 10-year median of 0.36)
GF Value™: $130.89 vs. price of $158.02 (20.7% above fair value)
Industry Position: 65% above the Insurance median (#278 of 410)
No single metric tells the full story. See the SSREF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Swiss Re is a reinsurer that has three core divisions: P&C reinsurance, life and health reinsurance, and corporate solutions. Swiss Re was founded in 1863 when the general manager of Helvetia sought to stem the flow of reinsurance premiums outside Switzerland. Moritz Grossmann argued he could cut the premiums paid to foreign firms, still make a profit, and pay mid-single-digit dividends. Swiss Re is now the second-largest reinsurer in the world by market capitalization, with 80 offices around the world and approximately 15,000 employees. While the business did lose its way in the early part of the millennium, led by an investment banker who heavily invested in securitizations, Swiss Re has recently focused on establishing quality within its three core divisions.
67GF Score
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