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. HAYAH Insurance Co PJSC's
EBIT
for the
six
months ended in Dec. 2025 was د.إ0.00 Mil. HAYAH Insurance Co PJSC's Interest Expense for the
six
months ended in Dec. 2025 was د.إ-5.12 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 HAYAH Insurance Co PJSC's Interest Coverage or its related term are showing as below:
ADX:HAYAH's Interest Coverage is not ranked *
in the Insurance industry.
Industry Median: 16.23 * Ranked among companies with meaningful Interest Coverage only.
HAYAH Insurance Co PJSC (ADX:HAYAH) 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 .
HAYAH Insurance Co PJSC Interest Coverage Related Terms
HAYAH Insurance Co PJSC Interest Coverage Historical Data
* Premium members only.
The historical data trend for HAYAH Insurance Co PJSC'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.
ADX:HAYAH vs AFL, MET: Interest Coverage Comparison
For the Insurance - Life subindustry, HAYAH 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.
HAYAH Insurance Co PJSC Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, HAYAH Insurance Co PJSC's Interest Coverage distribution charts can be found below:
* The bar in red indicates where HAYAH Insurance Co PJSC's Interest Coverage falls into.
HAYAH 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.
What does a Interest Coverage of 0 (At Loss) mean?
HAYAH Insurance Co PJSC (ADX:HAYAH) 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 HAYAH Insurance Co PJSC and its competitors. According to the industry distribution chart, HAYAH Insurance Co PJSC ranks #999999 out of 351 companies in the Insurance industry.
Is HAYAH Insurance Co PJSC's Interest Coverage too high?
HAYAH Insurance Co PJSC's current Interest Coverage is 0 (At Loss). Based on the distribution chart, HAYAH Insurance Co PJSC ranks #999999 out of 351 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, HAYAH Insurance Co PJSC has a GF Score™ of 63/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does HAYAH Insurance Co PJSC's Interest Coverage compare to AFL and MET?
According to the Insurance industry distribution chart, HAYAH Insurance Co PJSC ranks #999999 out of 351 companies for Interest Coverage. This places HAYAH Insurance Co PJSC in the lower half of its industry. The industry median Interest Coverage is 16.23. 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 16.23, 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. 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 HAYAH Insurance Co PJSC and its competitors. For the Insurance industry, the median Interest Coverage is 16.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HAYAH Insurance Co PJSC'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 HAYAH Insurance Co PJSC stock overvalued right now?
Based on GuruFocus' analysis, HAYAH Insurance Co PJSC (ADX:HAYAH) is currently considered Modestly Undervalued. The stock's GF Value™ is د.إ1.81, compared to a current price of د.إ1.32 — trading 27.1% below its estimated fair value. The current Interest Coverage is 0 (At Loss). HAYAH Insurance Co PJSC's overall GF Score™ is 63/100 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 HAYAH Insurance Co PJSC (ADX:HAYAH), 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 HAYAH Insurance Co PJSC (ADX:HAYAH) Overvalued in 2026?
Based on GuruFocus' analysis, HAYAH Insurance Co PJSC stock appears to be undervalued.
The current stock price of د.إ1.32 is trading 27.1% below its estimated GF Value™ of د.إ1.81.
GuruFocus considers HAYAH Insurance Co PJSC to be Modestly Undervalued.
Key valuation signals for ADX:HAYAH:
Interest Coverage: 0 (At Loss)
GF Value™: د.إ1.81 vs. price of د.إ1.32 (27.1% below fair value)
No single metric tells the full story. See the ADX:HAYAH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
HAYAH Insurance Co PJSC is engaged in providing health and life insurance solutions. The company has two business operating segments: Medical and Life. The medical insurance segment provides coverage to policyholders, and the life insurance segment offers term life assurance products.
63GF Score
Get the complete analysis for ADX:HAYAH
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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