Admiral GroupAMIGF 88 Interest Coverage is 36.81 as of Dec. 2025, which is 2% above its 10-year median of 36.11. GuruFocus rates AMIGF with a GF Score™ of 88/100 and a GF Value™ of $50.41 (Fairly Valued). The stock has 3 warning signs investors should review. Among 351 Insurance companies, Admiral Group ranks better than 68.09% 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. Admiral Group's
EBIT
for the
six
months ended in Dec. 2025 was $601 Mil. Admiral Group's Interest Expense for the
six
months ended in Dec. 2025 was $-16 Mil.
Admiral Group's interest coverage for the quarter that ended in Dec. 2025 was 36.81.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Admiral Group's Interest Coverage or its related term are showing as below:
AMIGF'
s Interest Coverage Range Over the Past 10 Years
Min: 22.6 Med: 36.11 Max: 53.08
Current: 40.26
AMIGF's Interest Coverage is ranked better than 68.09% of 351
companies
in the Insurance industry
Industry Median: 16.23
vs AMIGF: 40.26
Admiral Group (OTCPK:AMIGF) 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 .
Admiral Group Interest Coverage Related Terms
Admiral Group Interest Coverage Historical Data
* Premium members only.
The historical data trend for Admiral Group'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.
AMIGF vs CB, PGR, TRV: Interest Coverage Comparison
For the Insurance - Property & Casualty subindustry, Admiral Group'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.
Admiral Group Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Admiral Group's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Admiral Group's Interest Coverage falls into.
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.
Admiral Group (AMIGF) has a Interest Coverage of 36.81 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Admiral Group and its competitors. This is near median its historical median of 36.11. Over the past decade, Admiral Group's Interest Coverage has ranged from 22.60 to 53.08. According to the industry distribution chart, Admiral Group ranks #112 out of 351 companies in the Insurance industry, placing it in the top 31.9%.
Is Admiral Group's Interest Coverage too high?
Admiral Group's current Interest Coverage of 36.81 is near median its 10-year median of 36.11. Over the past 10 years, this metric has ranged from a low of 22.60 to a high of 53.08. The Insurance industry median Interest Coverage is 16.23. Admiral Group's value of 36.81 is 126.8% above this industry median. Based on the distribution chart, Admiral Group ranks #112 out of 351 companies in the Insurance industry, which is above the industry midpoint. Overall, Admiral Group has a GF Score™ of 88/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Admiral Group's Interest Coverage compare to CB and PGR?
According to the Insurance industry distribution chart, Admiral Group ranks #112 out of 351 companies for Interest Coverage. This puts Admiral Group in the upper half of its industry. The industry median Interest Coverage is 16.23. Admiral Group's value of 36.81 is 126.8% above this benchmark. Historically, Admiral Group's own Interest Coverage has ranged from 22.60 to 53.08 over the past decade. While the company's 10-year median is 36.11 vs. the industry median of 16.23, Admiral Group 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. Admiral Group's current Interest Coverage of 36.81 is 126.8% 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 Admiral Group 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. Admiral Group's current Interest Coverage is 36.81, which is near median its own 10-year median of 36.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Admiral Group stock overvalued right now?
Based on GuruFocus' analysis, Admiral Group (AMIGF) is currently considered Fairly Valued. The stock's GF Value™ is $50.41, compared to a current price of $46.24 — trading 8.3% below its estimated fair value. The current Interest Coverage is 36.81, which is near median its 10-year median of 36.11 and 126.8% above the Insurance industry median of 16.23. Admiral Group's overall GF Score™ is 88/100 with 3 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 Admiral Group (AMIGF), the current Interest Coverage is 36.81 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 Admiral Group (AMIGF) Overvalued in 2026?
Based on GuruFocus' analysis, Admiral Group stock appears to be undervalued.
The current stock price of $46.24 is trading 8.3% below its estimated GF Value™ of $50.41.
GuruFocus considers Admiral Group to be Fairly Valued.
Key valuation signals for AMIGF:
Interest Coverage: 36.81 (near median its 10-year median of 36.11)
GF Value™: $50.41 vs. price of $46.24 (8.3% below fair value)
Industry Position: 126.8% above the Insurance median (#112 of 351)
No single metric tells the full story. See the AMIGF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Admiral is a personal lines insurer that operates predominantly in the United Kingdom. The business is primarily a motor insurer with UK and European auto insurance accounting for the majority of gross premium. The company also has a nascent but growing UK home insurance division. The company was established in 1993 to sell nonstandard risk motor insurance. These nonstandard policyholders included younger drivers, female drivers, drivers wanting to pay by credit card, and drivers based in London. Over the years the company has expanded its nonstandard risks perimeter.
88GF Score
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