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Enterprise GroupXGHA:EGL 75 Debt-to-Equity is 0.01 as of Dec. 2025, which is 83% below its 10-year median of 0.06. GuruFocus rates XGHA:EGL with a GF Score™ of 75/100 and a GF Value™ of GHS5.11 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 396 Insurance companies, Enterprise Group ranks better than 99.75% 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 Enterprise Group's Debt-to-Equity or its related term are showing as below:
XGHA:EGL'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.01 Med: 0.06 Max: 0.31
Current: 0.01
During the past 13 years, the highest Debt-to-Equity Ratio of Enterprise Group was 0.31. The lowest was 0.01. And the median was 0.06.
XGHA:EGL's Debt-to-Equity is ranked better than 99.75% of 396
companies
in the Insurance industry
Industry Median: 0.21
vs XGHA:EGL: 0.01
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.
Enterprise Group Debt-to-Equity Related Terms
Enterprise Group Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Enterprise 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.
XGHA:EGL vs MET, AFL, PRU: Debt-to-Equity Comparison
For the Insurance - Life subindustry, Enterprise 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.
Enterprise Group Debt-to-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Enterprise Group's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Enterprise 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.
Enterprise Group (XGHA:EGL) has a Debt-to-Equity of 0.01 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Enterprise Group and its competitors. This is 83% below median its historical median of 0.06. Over the past decade, Enterprise Group's Debt-to-Equity has ranged from 0.01 to 0.31. According to the industry distribution chart, Enterprise Group ranks #1 out of 396 companies in the Insurance industry, placing it in the top 0.3%.
Is Enterprise Group's Debt-to-Equity too high?
Enterprise Group's current Debt-to-Equity of 0.01 is 83% below median its 10-year median of 0.06. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 0.31. The Insurance industry median Debt-to-Equity is 0.21. Enterprise Group's value of 0.01 is 95.2% below this industry median. Based on the distribution chart, Enterprise Group ranks #1 out of 396 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Enterprise Group has a GF Score™ of 75/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Enterprise Group's Debt-to-Equity compare to MET and AFL?
According to the Insurance industry distribution chart, Enterprise Group ranks #1 out of 396 companies for Debt-to-Equity. This places Enterprise Group in the top 0% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.21. Enterprise Group's value of 0.01 is 95.2% below this benchmark. Historically, Enterprise Group's own Debt-to-Equity has ranged from 0.01 to 0.31 over the past decade. While the company's 10-year median is 0.06 vs. the industry median of 0.21, Enterprise 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 0.21, based on 396 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. Enterprise Group's current Debt-to-Equity of 0.01 is 95.2% 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 Enterprise Group 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. Enterprise Group's current Debt-to-Equity is 0.01, which is 83% below median its own 10-year median of 0.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Enterprise Group stock overvalued right now?
Based on GuruFocus' analysis, Enterprise Group (XGHA:EGL) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS5.11, compared to a current price of GHS7.00 — trading 37% above its estimated fair value. The current Debt-to-Equity is 0.01, which is 83% below median its 10-year median of 0.06 and 95.2% below the Insurance industry median of 0.21. Enterprise Group's overall GF Score™ is 75/100 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 Enterprise Group (XGHA:EGL), the current Debt-to-Equity is 0.01 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 Enterprise Group (XGHA:EGL) Overvalued in 2026?
Based on GuruFocus' analysis, Enterprise Group stock appears to be overvalued.
The current stock price of GHS7.00 is trading 37% above its estimated GF Value™ of GHS5.11.
GuruFocus considers Enterprise Group to be Significantly Overvalued.
Key valuation signals for XGHA:EGL:
Debt-to-Equity: 0.01 (83% below median its 10-year median of 0.06)
GF Value™: GHS5.11 vs. price of GHS7.00 (37% above fair value)
Industry Position: 95.2% below the Insurance median (#1 of 396)
No single metric tells the full story. See the XGHA:EGL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Enterprise Group Ltd is engaged in the business of investments, life, non-life, and health insurance underwriting, pension fund management, provision of funeral services, and real estate development and management. It also underwrites insurance risks associated with death, disability, health, property, and liability. The company is organized into seven operating segments. These segments are Non-life insurance business; Life assurance business; Health insurance business; Pension administration; Real estate; Funeral services; and Investments. The company derives its revenues from the non-life insurance business. The company operates in Ghana, The Gambia, and Nigeria. The majority of revenue is from Ghana.
75GF Score
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