Emirates Insurance Co PSC (ADX:EIC) Interest Coverage: 0 (At Loss) (As of Dec. 2025)


ADX:EIC Emirates Insurance Co PSC ADX:EIC
56 GF Score
Price د.إ8.10
GF Value د.إ8.36
Valuation Fairly Valued
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What is Emirates Insurance Co PSC Interest Coverage?

Emirates Insurance Co PSC ADX:EIC 56 Interest Coverage is 0 (At Loss) as of Dec. 2025. GuruFocus rates ADX:EIC with a GF Score™ of 56/100 and a GF Value™ of د.إ8.36 (Fairly Valued). Among 353 Insurance companies, Emirates Insurance Co PSC ranks worse than 283285.84% 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. Emirates Insurance Co PSC's EBIT for the three months ended in Dec. 2025 was د.إ0.0 Mil. Emirates Insurance Co PSC's Interest Expense for the three months ended in Dec. 2025 was د.إ-11.6 Mil. did not have earnings to cover the interest expense. The higher the ratio, the stronger the company's financial strength is.

The historical rank and industry rank for Emirates Insurance Co PSC's Interest Coverage or its related term are showing as below:


ADX:EIC's Interest Coverage is not ranked *
in the Insurance industry.
Industry Median: 16.26
* Ranked among companies with meaningful Interest Coverage only.

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.


Emirates Insurance Co PSC  (ADX:EIC) 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 .


Emirates Insurance Co PSC Interest Coverage Related Terms


Emirates Insurance Co PSC Interest Coverage Historical Data

* Premium members only.

The historical data trend for Emirates Insurance Co PSC's Interest Coverage 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.

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.

Emirates Insurance Co PSC Interest Coverage Chart

Emirates Insurance Co PSC Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Interest Coverage
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

Emirates Insurance Co PSC Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
Interest Coverage 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 0.00 0.00 0.00 0.00 0.00

ADX:EIC vs BRK.A, AIG, HIG: Interest Coverage Comparison

For the Insurance - Diversified subindustry, Emirates Insurance Co PSC'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.


Emirates Insurance Co PSC Interest Coverage vs Insurance Industry

For the Insurance industry and Financial Services sector, Emirates Insurance Co PSC's Interest Coverage distribution charts can be found below:

* The bar in red indicates where Emirates Insurance Co PSC's Interest Coverage falls into.


ADX:EIC
56GF Score
Emirates Insurance Co PSC ADX:EIC
Interest Coverage is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Emirates Insurance Co PSC 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:

If Interest Expense is negative and EBIT is positive, then

Interest Coverage=-1* EBIT /Interest Expense

Else if Interest Expense is negative and EBIT is negative, then

The company did not have earnings to cover the interest expense.

Else if Interest Expense is 0 and Long-Term Debt & Capital Lease Obligation is 0, then

The company had no debt (1).


Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Emirates Insurance Co PSC's Interest Coverage for the fiscal year that ended in Dec. 2025 is calculated as

Here, for the fiscal year that ended in Dec. 2025, Emirates Insurance Co PSC's Interest Expense was د.إ-65.6 Mil. Its EBIT was د.إ0.0 Mil. And its Long-Term Debt & Capital Lease Obligation was د.إ0.0 Mil.

Emirates Insurance Co PSC's Interest Coverage for the quarter that ended in Dec. 2025 is calculated as

Here, for the three months ended in Dec. 2025, Emirates Insurance Co PSC's Interest Expense was د.إ-11.6 Mil. Its EBIT was د.إ0.0 Mil. And its Long-Term Debt & Capital Lease Obligation was د.إ0.0 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.

The higher the ratio, the stronger the company's Financial Strength is.

Frequently Asked Questions Learn more about Interest Coverage →
What does a Interest Coverage of 0 (At Loss) mean?
Emirates Insurance Co PSC (ADX:EIC) has a Interest Coverage of 0 (At Loss) as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Emirates Insurance Co PSC and its competitors. According to the industry distribution chart, Emirates Insurance Co PSC ranks #999999 out of 353 companies in the Insurance industry.
Is Emirates Insurance Co PSC's Interest Coverage too high?
Emirates Insurance Co PSC's current Interest Coverage is 0 (At Loss). Based on the distribution chart, Emirates Insurance Co PSC ranks #999999 out of 353 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Emirates Insurance Co PSC has a GF Score™ of 56/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Emirates Insurance Co PSC's Interest Coverage compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Emirates Insurance Co PSC ranks #999999 out of 353 companies for Interest Coverage. This places Emirates Insurance Co PSC in the lower half of its industry. The industry median Interest Coverage is 16.26. 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 16.26, based on 353 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. 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 Emirates Insurance Co PSC and its competitors. For the Insurance industry, the median Interest Coverage is 16.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Emirates Insurance Co PSC's current Interest Coverage is 0 (At Loss). However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Emirates Insurance Co PSC stock overvalued right now?
Based on GuruFocus' analysis, Emirates Insurance Co PSC (ADX:EIC) is currently considered Fairly Valued. The stock's GF Value™ is د.إ8.36, compared to a current price of د.إ8.10 — trading 3.1% below its estimated fair value. The current Interest Coverage is 0 (At Loss). Emirates Insurance Co PSC's overall GF Score™ is 56/100. 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 Emirates Insurance Co PSC (ADX:EIC), the current Interest Coverage is 0 (At Loss) 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 Emirates Insurance Co PSC (ADX:EIC) Overvalued in 2026?

Based on GuruFocus' analysis, Emirates Insurance Co PSC stock appears to be undervalued. The current stock price of د.إ8.10 is trading 3.1% below its estimated GF Value™ of د.إ8.36. GuruFocus considers Emirates Insurance Co PSC to be Fairly Valued.

Key valuation signals for ADX:EIC:

  • Interest Coverage: 0 (At Loss)
  • GF Value™: د.إ8.36 vs. price of د.إ8.10 (3.1% below fair value)
  • GF Score™: 56/100

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


Emirates Insurance Co PSC Business Description

Address EIC Building, Al Zahiya (Tourist Club), P.O.Box 3856, Abu Dhabi, ARE
Emirates Insurance Co PSC is mainly engaged in issuing short-term and long-term insurance contracts and trading in securities. It operates through two segments: Underwriting of general insurance business (Underwriting) and Investments. The Underwriting of general insurance business incorporates all classes of general insurance products offered by the company, such as fire, marine, motor, general accident, and miscellaneous. The Investments segment includes activities of investments in marketable equity securities and investment funds, bonds, term deposits with banks, investment properties, and other securities. The majority of the company's revenue is generated from the Underwriting segment. Geographically, it generates maximum revenue from the UAE, followed by Europe and the USA.
56GF Score

Get the complete analysis for ADX:EIC

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

د.إ8.10
Price
د.إ8.36
GF Value