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Al Wathba National Insurance Co PJSCADX:AWNIC 68 Interest Coverage is 16.00 as of Dec. 2025, which is 75% above its 10-year median of 9.16. GuruFocus rates ADX:AWNIC with a GF Score™ of 68/100 and a GF Value™ of د.إ7.35 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 351 Insurance companies, Al Wathba National Insurance Co PJSC ranks worse than 50.43% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
EBIT
by its Interest Expense. Al Wathba National Insurance Co PJSC's
EBIT
for the
six
months ended in Dec. 2025 was د.إ107.6 Mil. Al Wathba National Insurance Co PJSC's Interest Expense for the
six
months ended in Dec. 2025 was د.إ-6.7 Mil.
Al Wathba National Insurance Co PJSC's interest coverage for the quarter that ended in Dec. 2025 was 16.00.
The higher the ratio, the stronger the company's financial strength is.
Al Wathba National Insurance Co PJSC (ADX:AWNIC) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Al Wathba National Insurance Co PJSC Interest Coverage Related Terms
Al Wathba National Insurance Co PJSC Interest Coverage Historical Data
* 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
Al Wathba National Insurance Co PJSC Interest Coverage Chart
ADX:AWNIC vs CB, PGR, TRV: Interest Coverage Comparison
For the Insurance - Property & Casualty subindustry, Al Wathba National Insurance Co PJSC's Interest Coverage, along with its competitors' market caps and Interest Coverage 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.
Al Wathba National Insurance Co PJSC Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Al Wathba National Insurance Co PJSC's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Al Wathba National Insurance Co PJSC's Interest Coverage falls into.
Al Wathba National Insurance Co PJSC Interest Coverage Calculation
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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.
Al Wathba National Insurance Co PJSC (ADX:AWNIC) has a Interest Coverage of 16.00 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Al Wathba National Insurance Co PJSC and its competitors. This is 75% above median its historical median of 9.16. Over the past decade, Al Wathba National Insurance Co PJSC's Interest Coverage has ranged from 1.34 to 20.31. According to the industry distribution chart, Al Wathba National Insurance Co PJSC ranks #177 out of 351 companies in the Insurance industry, placing it in the top 50.4%.
Is Al Wathba National Insurance Co PJSC's Interest Coverage too high?
Al Wathba National Insurance Co PJSC's current Interest Coverage of 16.00 is 75% above median its 10-year median of 9.16. Over the past 10 years, this metric has ranged from a low of 1.34 to a high of 20.31. The Insurance industry median Interest Coverage is 16.06. Al Wathba National Insurance Co PJSC's value of 16.00 is 0.4% below this industry median. Based on the distribution chart, Al Wathba National Insurance Co PJSC ranks #177 out of 351 companies in the Insurance industry, which is below the industry midpoint. Overall, Al Wathba National Insurance Co PJSC has a GF Score™ of 68/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Al Wathba National Insurance Co PJSC's Interest Coverage compare to CB and PGR?
According to the Insurance industry distribution chart, Al Wathba National Insurance Co PJSC ranks #177 out of 351 companies for Interest Coverage. This places Al Wathba National Insurance Co PJSC in the lower half of its industry. The industry median Interest Coverage is 16.06. Al Wathba National Insurance Co PJSC's value of 16.00 is 0.4% below this benchmark. Historically, Al Wathba National Insurance Co PJSC's own Interest Coverage has ranged from 1.34 to 20.31 over the past decade. While the company's 10-year median is 9.16 vs. the industry median of 16.06, Al Wathba National Insurance Co PJSC 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 Interest Coverage for an Insurance company?
The median Interest Coverage among Insurance companies is 16.06, based on 351 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Al Wathba National Insurance Co PJSC's current Interest Coverage of 16.00 is 0.4% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Al Wathba National Insurance Co PJSC and its competitors. For the Insurance industry, the median Interest Coverage is 16.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Al Wathba National Insurance Co PJSC's current Interest Coverage is 16.00, which is 75% above median its own 10-year median of 9.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Al Wathba National Insurance Co PJSC stock overvalued right now?
Based on GuruFocus' analysis, Al Wathba National Insurance Co PJSC (ADX:AWNIC) is currently considered Significantly Undervalued. The stock's GF Value™ is د.إ7.35, compared to a current price of د.إ2.99 — trading 59.3% below its estimated fair value. The current Interest Coverage is 16.00, which is 75% above median its 10-year median of 9.16 and 0.4% below the Insurance industry median of 16.06. Al Wathba National Insurance Co PJSC's overall GF Score™ is 68/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Al Wathba National Insurance Co PJSC (ADX:AWNIC), the current Interest Coverage is 16.00 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 Al Wathba National Insurance Co PJSC (ADX:AWNIC) Overvalued in 2026?
Based on GuruFocus' analysis, Al Wathba National Insurance Co PJSC stock appears to be undervalued.
The current stock price of د.إ2.99 is trading 59.3% below its estimated GF Value™ of د.إ7.35.
GuruFocus considers Al Wathba National Insurance Co PJSC to be Significantly Undervalued.
Key valuation signals for ADX:AWNIC:
Interest Coverage: 16.00 (75% above median its 10-year median of 9.16)
GF Value™: د.إ7.35 vs. price of د.إ2.99 (59.3% below fair value)
Industry Position: 0.4% below the Insurance median (#177 of 351)
No single metric tells the full story. See the ADX:AWNIC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Al Wathba National Insurance Co PJSC Business Description
AddressMohammed Bin Butti Al Hamed Street, Najda Street, Al Wathba Tower, 9th Street Behind Nissan Showroom, Al Danah - E11, P.O Box: 45154, Abu Dhabi, ARE
Al Wathba National Insurance Co PJSC is principally engaged in underwriting general insurance across all classes, offering a comprehensive multiple products and services for both individual and corporate customers in the UAE. Its individual services include cyber, motor, visit visa, travel, home, and yacht insurance, protecting against various personal risks and financial losses. For corporate clients, the Company offers insurance solutions such as fire and general accident, engineering, oil and energy, marine and aviation, and fleet insurance. The Group's reportable operating segments comprise Motor (which generates the majority of revenue), Health, General Insurance (including property, fire, engineering, energy, liability, marine cargo, and marine hull), and Investments.
68GF Score
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