Nobleoak Life (ASX:NOL) Interest Coverage: 0 (At Loss) (As of Dec. 2025)


ASX:NOL Nobleoak Life Ltd ASX:NOL
52 GF Score
Price A$1.19
GF Value A$1.76
Valuation Significantly Undervalued
! 2 Warning Signs
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What is Nobleoak Life Interest Coverage?

Nobleoak Life ASX:NOL -7.42% 52 Interest Coverage is 0 (At Loss) as of Dec. 2025. GuruFocus rates ASX:NOL with a GF Score™ of 52/100 and a GF Value™ of A$1.76 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 351 Insurance companies, Nobleoak Life ranks worse than 284900% 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. Nobleoak Life's EBIT for the six months ended in Dec. 2025 was A$0.0 Mil. Nobleoak Life's Interest Expense for the six months ended in Dec. 2025 was A$-2.9 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 Nobleoak Life's Interest Coverage or its related term are showing as below:


ASX:NOL's Interest Coverage is not ranked *
in the Insurance industry.
Industry Median: 16.23
* 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.


Nobleoak Life  (ASX:NOL) 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 .


Nobleoak Life Interest Coverage Related Terms


Nobleoak Life Interest Coverage Historical Data

* Premium members only.

The historical data trend for Nobleoak Life'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.

Nobleoak Life Interest Coverage Chart

Nobleoak Life Annual Data
Trend Jun22 Jun23 Jun24 Jun25
Interest Coverage
0.00 0.00 3.83 1.48

Nobleoak Life Semi-Annual Data
Dec20 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 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

ASX:NOL vs AFL, MET, PRU: Interest Coverage Comparison

For the Insurance - Life subindustry, Nobleoak Life'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.


Nobleoak Life Interest Coverage vs Insurance Industry

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

* The bar in red indicates where Nobleoak Life's Interest Coverage falls into.


ASX:NOL
52GF Score
Nobleoak Life Ltd ASX:NOL
Interest Coverage is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Nobleoak Life 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.

Nobleoak Life's Interest Coverage for the fiscal year that ended in Jun. 2025 is calculated as

Here, for the fiscal year that ended in Jun. 2025, Nobleoak Life's Interest Expense was A$-32.1 Mil. Its EBIT was A$47.5 Mil. And its Long-Term Debt & Capital Lease Obligation was A$0.0 Mil.

Interest Coverage=-1* EBIT (A: Jun. 2025 )/Interest Expense (A: Jun. 2025 )
=-1*47.473/-32.052
=1.48

Nobleoak Life's Interest Coverage for the quarter that ended in Dec. 2025 is calculated as

Here, for the six months ended in Dec. 2025, Nobleoak Life's Interest Expense was A$-2.9 Mil. Its EBIT was A$0.0 Mil. And its Long-Term Debt & Capital Lease Obligation was A$4.2 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?
Nobleoak Life (ASX:NOL) 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 Nobleoak Life and its competitors. According to the industry distribution chart, Nobleoak Life ranks #999999 out of 351 companies in the Insurance industry.
Is Nobleoak Life's Interest Coverage too high?
Nobleoak Life's current Interest Coverage is 0 (At Loss). Based on the distribution chart, Nobleoak Life ranks #999999 out of 351 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Nobleoak Life has a GF Score™ of 52/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Nobleoak Life's Interest Coverage compare to AFL and MET?
According to the Insurance industry distribution chart, Nobleoak Life ranks #999999 out of 351 companies for Interest Coverage. This places Nobleoak Life 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 Nobleoak Life 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. Nobleoak Life'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 Nobleoak Life stock overvalued right now?
Based on GuruFocus' analysis, Nobleoak Life (ASX:NOL) is currently considered Significantly Undervalued. The stock's GF Value™ is A$1.76, compared to a current price of A$1.19 — trading 32.7% below its estimated fair value. The current Interest Coverage is 0 (At Loss). Nobleoak Life's overall GF Score™ is 52/100 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 Nobleoak Life (ASX:NOL), 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 Nobleoak Life (ASX:NOL) Overvalued in 2026?

Based on GuruFocus' analysis, Nobleoak Life stock appears to be undervalued. The current stock price of A$1.19 is trading 32.7% below its estimated GF Value™ of A$1.76. GuruFocus considers Nobleoak Life to be Significantly Undervalued.

Key valuation signals for ASX:NOL:

  • Interest Coverage: 0 (At Loss)
  • GF Value™: A$1.76 vs. price of A$1.19 (32.7% below fair value)
  • GF Score™: 52/100 with 2 warning signs

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


Nobleoak Life Business Description

Address 44 Market Street, Level 4, Sydney, NSW, AUS, 2000
Nobleoak Life Ltd is involved in the manufacture and distribution of Life Insurance products (including death, total and permanent disability, trauma, income protection and business expenses insurance) through both its Direct and Strategic Partner (Advised) channels. The company's segments include Direct Business, Strategic Partnerships, and Genus. It generates maximum revenue from the Direct segment.
52GF Score

Get the complete analysis for ASX:NOL

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

A$1.19
Price
A$1.76
GF Value