Sharjah Insurance Co PSCADX:SICO 32 Interest Coverage is 757.23 as of Dec. 2025, which is 530% above its 10-year median of 120.17. GuruFocus rates ADX:SICO with a GF Score™ of 32/100. The stock has 2 warning signs investors should review. Among 351 Insurance companies, Sharjah Insurance Co PSC ranks better than 90.6% 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. Sharjah Insurance Co PSC's
EBIT
for the
six
months ended in Dec. 2025 was د.إ60.58 Mil. Sharjah Insurance Co PSC's Interest Expense for the
six
months ended in Dec. 2025 was د.إ-0.08 Mil.
Sharjah Insurance Co PSC's interest coverage for the quarter that ended in Dec. 2025 was 757.23.
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Ben Graham prefers companies' interest coverage to be at least 5. Sharjah Insurance Co PSC has enough cash to cover all of its debt. Its financial situation is stable.
The historical rank and industry rank for Sharjah Insurance Co PSC's Interest Coverage or its related term are showing as below:
ADX:SICO'
s Interest Coverage Range Over the Past 10 Years
Min: 49.21 Med: 120.17 Max: 757.23
Current: 757.23
ADX:SICO's Interest Coverage is ranked better than 90.6% of 351
companies
in the Insurance industry
Industry Median: 16.23
vs ADX:SICO: 757.23
Sharjah Insurance Co PSC (ADX:SICO) 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 .
Sharjah Insurance Co PSC Interest Coverage Related Terms
Sharjah Insurance Co PSC 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.
ADX:SICO vs BRK.A, AIG, HIG: Interest Coverage Comparison
For the Insurance - Diversified subindustry, Sharjah 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.
Sharjah Insurance Co PSC Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Sharjah Insurance Co PSC's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Sharjah Insurance Co PSC's Interest Coverage falls into.
Sharjah 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:
* 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.
Sharjah Insurance Co PSC (ADX:SICO) has a Interest Coverage of 757.23 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Sharjah Insurance Co PSC and its competitors. This is 530% above median its historical median of 120.17. Over the past decade, Sharjah Insurance Co PSC's Interest Coverage has ranged from 49.21 to 757.23. According to the industry distribution chart, Sharjah Insurance Co PSC ranks #33 out of 351 companies in the Insurance industry, placing it in the top 9.4%.
Is Sharjah Insurance Co PSC's Interest Coverage too high?
Sharjah Insurance Co PSC's current Interest Coverage of 757.23 is 530% above median its 10-year median of 120.17. Over the past 10 years, this metric has ranged from a low of 49.21 to a high of 757.23. The Insurance industry median Interest Coverage is 16.23. Sharjah Insurance Co PSC's value of 757.23 is 4565.6% above this industry median. Based on the distribution chart, Sharjah Insurance Co PSC ranks #33 out of 351 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Sharjah Insurance Co PSC has a GF Score™ of 32/100, reflecting its overall financial health beyond just this single metric.
How does Sharjah Insurance Co PSC's Interest Coverage compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Sharjah Insurance Co PSC ranks #33 out of 351 companies for Interest Coverage. This places Sharjah Insurance Co PSC in the top 9% of its industry — outperforming the majority of peers. The industry median Interest Coverage is 16.23. Sharjah Insurance Co PSC's value of 757.23 is 4565.6% above this benchmark. Historically, Sharjah Insurance Co PSC's own Interest Coverage has ranged from 49.21 to 757.23 over the past decade. While the company's 10-year median is 120.17 vs. the industry median of 16.23, Sharjah Insurance Co PSC has consistently been above 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 16.23, 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. Sharjah Insurance Co PSC's current Interest Coverage of 757.23 is 4565.6% above 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 Sharjah Insurance Co PSC 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. Sharjah Insurance Co PSC's current Interest Coverage is 757.23, which is 530% above median its own 10-year median of 120.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sharjah Insurance Co PSC stock overvalued right now?
Sharjah Insurance Co PSC (ADX:SICO) has a current Interest Coverage of 757.23. The current Interest Coverage is 757.23, which is 530% above median its 10-year median of 120.17 and 4565.6% above the Insurance industry median of 16.23. Sharjah Insurance Co PSC's overall GF Score™ is 32/100 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 Sharjah Insurance Co PSC (ADX:SICO), the current Interest Coverage is 757.23 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.
Sharjah Insurance Co PSC deals in general insurance, property, non-property insurance, and life insurance. Its personal insurance includes motor insurance, travel insurance, and home insurance; and its commercial insurance includes marine insurance, fire insurance, engineering insurance, general accident insurance, liability insurance, life insurance, and motor insurance. The company is organized into two segments: underwriting and investment. Underwriting segment comprises engineering and motor insurance, marine insurance, fire insurance, and other insurances. Investment segment includes investments inside and outside UAE, marketable equity securities, term deposit with banks and investment properties. The majority of the revenue is derived from the Underwriting segment.
32GF Score
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