National Life Insurance (DHA:NATLIFEINS) EV-to-EBITDA: -0.37 (As of Aug. 27, 2026)

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DHA:NATLIFEINS National Life Insurance PLC DHA:NATLIFEINS
72 GF Score
Price BDT97.40
GF Value BDT132.23
Valuation Modestly Undervalued
! 2 Warning Signs
View Full Analysis

What is National Life Insurance EV-to-EBITDA?

National Life Insurance DHA:NATLIFEINS -0.31% 72 EV-to-EBITDA is -0.37 as of Aug. 27, 2026. GuruFocus rates DHA:NATLIFEINS with a GF Score™ of 72/100 and a GF Value™ of BDT132.23 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 347 Insurance companies, National Life Insurance ranks better than 97.12% on this metric.

EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, National Life Insurance's enterprise value is BDT-8,226 Mil. National Life Insurance's EBITDA for the trailing twelve months (TTM) ended in Jun. 2026 was BDT22,487 Mil. Therefore, National Life Insurance's EV-to-EBITDA for today is -0.37.

The historical rank and industry rank for National Life Insurance's EV-to-EBITDA or its related term are showing as below:

DHA:NATLIFEINS' s EV-to-EBITDA Range Over the Past 10 Years
Min: -27.84   Med: -0.16   Max: 26.22
Current: -0.36

During the past 11 years, the highest EV-to-EBITDA of National Life Insurance was 26.22. The lowest was -27.84. And the median was -0.16.

DHA:NATLIFEINS's EV-to-EBITDA is ranked better than
97.12% of 347 companies
in the Insurance industry
Industry Median: 7.99 vs DHA:NATLIFEINS: -0.36

EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.

As of today (2026-08-27), National Life Insurance's stock price is BDT97.40. National Life Insurance's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was BDT199.528. Therefore, National Life Insurance's PE Ratio (TTM) for today is 0.49.

The "classic" EV-to-EBITDA is much better in capturing debt and net cash than the PE Ratio (TTM).


National Life Insurance  (DHA:NATLIFEINS) EV-to-EBITDA Explanation

EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

National Life Insurance's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=97.40/199.528
=0.49

National Life Insurance's share price for today is BDT97.40.
National Life Insurance's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was BDT199.528.

* 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.

Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).

Please read Which price ratio outperforms the enterprise multiple?


National Life Insurance EV-to-EBITDA Related Terms


National Life Insurance EV-to-EBITDA Historical Data

* Premium members only.

The historical data trend for National Life Insurance's EV-to-EBITDA 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.

National Life Insurance EV-to-EBITDA Chart

National Life Insurance Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-EBITDA
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.39 -0.08 -0.12 -0.53 -0.48

National Life Insurance Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
EV-to-EBITDA Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -0.53 -0.31 -0.48 -0.41 -0.34

DHA:NATLIFEINS vs AFL, MET, PRU: EV-to-EBITDA Comparison

For the Insurance - Life subindustry, National Life Insurance's EV-to-EBITDA, along with its competitors' market caps and EV-to-EBITDA 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.


National Life Insurance EV-to-EBITDA vs Insurance Industry

For the Insurance industry and Financial Services sector, National Life Insurance's EV-to-EBITDA distribution charts can be found below:

* The bar in red indicates where National Life Insurance's EV-to-EBITDA falls into.


DHA:NATLIFEINS
72GF Score
National Life Insurance PLC DHA:NATLIFEINS
EV-to-EBITDA is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

National Life Insurance EV-to-EBITDA Calculation

National Life Insurance's EV-to-EBITDA for today is calculated as:

EV-to-EBITDA=Enterprise Value (Today)/EBITDA (TTM)
=-8225.722/22486.609
=-0.37

National Life Insurance's current Enterprise Value is BDT-8,226 Mil.
National Life Insurance's EBITDA for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was BDT22,487 Mil.

* 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.

Frequently Asked Questions Learn more about EV-to-EBITDA →
What does a EV-to-EBITDA of -0.37 mean?
National Life Insurance (DHA:NATLIFEINS) has a EV-to-EBITDA of -0.37 as of Aug. 27, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on National Life Insurance. According to the industry distribution chart, National Life Insurance ranks #10 out of 347 companies in the Insurance industry, placing it in the top 2.9%.
Is National Life Insurance's EV-to-EBITDA too high?
National Life Insurance's current EV-to-EBITDA is -0.37. Based on the distribution chart, National Life Insurance ranks #10 out of 347 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, National Life Insurance has a GF Score™ of 72/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does National Life Insurance's EV-to-EBITDA compare to AFL and MET?
According to the Insurance industry distribution chart, National Life Insurance ranks #10 out of 347 companies for EV-to-EBITDA. This places National Life Insurance in the top 3% of its industry — outperforming the majority of peers. The industry median EV-to-EBITDA is 7.99. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-EBITDA for an Insurance company?
The median EV-to-EBITDA among Insurance companies is 7.99, based on 347 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on National Life Insurance. For the Insurance industry, the median EV-to-EBITDA is 7.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. National Life Insurance's current EV-to-EBITDA is -0.37. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Life Insurance stock overvalued right now?
Based on GuruFocus' analysis, National Life Insurance (DHA:NATLIFEINS) is currently considered Modestly Undervalued. The stock's GF Value™ is BDT132.23, compared to a current price of BDT97.40 — trading 26.3% below its estimated fair value. The current EV-to-EBITDA is -0.37. National Life Insurance's overall GF Score™ is 72/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For National Life Insurance (DHA:NATLIFEINS), the current EV-to-EBITDA is -0.37 as of Aug. 27, 2026. 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 National Life Insurance (DHA:NATLIFEINS) Overvalued in 2026?

Based on GuruFocus' analysis, National Life Insurance stock appears to be undervalued. The current stock price of BDT97.40 is trading 26.3% below its estimated GF Value™ of BDT132.23. GuruFocus considers National Life Insurance to be Modestly Undervalued.

Key valuation signals for DHA:NATLIFEINS:

  • EV-to-EBITDA: -0.37
  • GF Value™: BDT132.23 vs. price of BDT97.40 (26.3% below fair value)
  • GF Score™: 72/100 with 2 warning signs

No single metric tells the full story. See the DHA:NATLIFEINS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


National Life Insurance Business Description

Address 54-55, Kazi Nazrul Islam Avenue, Karwan Bazar, NLI Tower, Dhaka, BGD, 1215
National Life Insurance PLC, formerly National Life Insurance Co Ltd is a private sector indigenous life insurance company. It provides multifarious life assurance products that cater to the aspirations and needs as well as the religious beliefs of the clients. The company operates through the following divisions based on the type of insurance products offered; Individual Life Insurance, Group Life Insurance, Bangabandhu Shikkha Bima, Personal Accidental Insurance and Bancassurance. It generates maximum revenue from the Ordinary Life Insurance business.
72GF Score

Get the complete analysis for DHA:NATLIFEINS

EV-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

BDT97.40
Price
BDT132.23
GF Value