Allianz Ayudhya CapitalBKK:AYUD 82 Interest Coverage is 472.98 as of Mar. 2026, which is 20% above its 10-year median of 394.12. GuruFocus rates BKK:AYUD with a GF Score™ of 82/100 and a GF Value™ of ฿51.88 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 352 Insurance companies, Allianz Ayudhya Capital ranks better than 88.64% 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. Allianz Ayudhya Capital's
EBIT
for the
three
months ended in Mar. 2026 was ฿930 Mil. Allianz Ayudhya Capital's Interest Expense for the
three
months ended in Mar. 2026 was ฿-2 Mil.
Allianz Ayudhya Capital's interest coverage for the quarter that ended in Mar. 2026 was 472.98.
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. Allianz Ayudhya Capital PLC has enough cash to cover all of its debt. Its financial situation is stable.
The historical rank and industry rank for Allianz Ayudhya Capital's Interest Coverage or its related term are showing as below:
BKK:AYUD'
s Interest Coverage Range Over the Past 10 Years
Min: 108.76 Med: 394.12 Max: No Debt
Current: 446.22
BKK:AYUD's Interest Coverage is ranked better than 88.64% of 352
companies
in the Insurance industry
Industry Median: 16.245
vs BKK:AYUD: 446.22
Allianz Ayudhya Capital (BKK:AYUD) 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 .
Allianz Ayudhya Capital Interest Coverage Related Terms
Allianz Ayudhya Capital Interest Coverage Historical Data
* Premium members only.
The historical data trend for Allianz Ayudhya Capital'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.
BKK:AYUD vs CB, PGR, TRV: Interest Coverage Comparison
For the Insurance - Property & Casualty subindustry, Allianz Ayudhya Capital'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.
Allianz Ayudhya Capital Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Allianz Ayudhya Capital's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Allianz Ayudhya Capital's Interest Coverage falls into.
Allianz Ayudhya Capital 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.
Allianz Ayudhya Capital (BKK:AYUD) has a Interest Coverage of 472.98 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Allianz Ayudhya Capital and its competitors. This is 20% above median its historical median of 394.12. Over the past decade, Allianz Ayudhya Capital's Interest Coverage has ranged from 108.76 to 10,000.00. According to the industry distribution chart, Allianz Ayudhya Capital ranks #40 out of 352 companies in the Insurance industry, placing it in the top 11.4%.
Is Allianz Ayudhya Capital's Interest Coverage too high?
Allianz Ayudhya Capital's current Interest Coverage of 472.98 is 20% above median its 10-year median of 394.12. Over the past 10 years, this metric has ranged from a low of 108.76 to a high of 10,000.00. The Insurance industry median Interest Coverage is 16.25. Allianz Ayudhya Capital's value of 472.98 is 2811.5% above this industry median. Based on the distribution chart, Allianz Ayudhya Capital ranks #40 out of 352 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Allianz Ayudhya Capital has a GF Score™ of 82/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Allianz Ayudhya Capital's Interest Coverage compare to CB and PGR?
According to the Insurance industry distribution chart, Allianz Ayudhya Capital ranks #40 out of 352 companies for Interest Coverage. This places Allianz Ayudhya Capital in the top 11% of its industry — outperforming the majority of peers. The industry median Interest Coverage is 16.25. Allianz Ayudhya Capital's value of 472.98 is 2811.5% above this benchmark. Historically, Allianz Ayudhya Capital's own Interest Coverage has ranged from 108.76 to 10,000.00 over the past decade. While the company's 10-year median is 394.12 vs. the industry median of 16.25, Allianz Ayudhya Capital 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 16.25, based on 352 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. Allianz Ayudhya Capital's current Interest Coverage of 472.98 is 2811.5% 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 Allianz Ayudhya Capital and its competitors. For the Insurance industry, the median Interest Coverage is 16.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Allianz Ayudhya Capital's current Interest Coverage is 472.98, which is 20% above median its own 10-year median of 394.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Allianz Ayudhya Capital stock overvalued right now?
Based on GuruFocus' analysis, Allianz Ayudhya Capital (BKK:AYUD) is currently considered Modestly Undervalued. The stock's GF Value™ is ฿51.88, compared to a current price of ฿40.50 — trading 21.9% below its estimated fair value. The current Interest Coverage is 472.98, which is 20% above median its 10-year median of 394.12 and 2811.5% above the Insurance industry median of 16.25. Allianz Ayudhya Capital's overall GF Score™ is 82/100 with 5 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 Allianz Ayudhya Capital (BKK:AYUD), the current Interest Coverage is 472.98 as of Mar. 2026. 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 Allianz Ayudhya Capital (BKK:AYUD) Overvalued in 2026?
Based on GuruFocus' analysis, Allianz Ayudhya Capital stock appears to be undervalued.
The current stock price of ฿40.50 is trading 21.9% below its estimated GF Value™ of ฿51.88.
GuruFocus considers Allianz Ayudhya Capital to be Modestly Undervalued.
Key valuation signals for BKK:AYUD:
Interest Coverage: 472.98 (20% above median its 10-year median of 394.12)
GF Value™: ฿51.88 vs. price of ฿40.50 (21.9% below fair value)
Industry Position: 2811.5% above the Insurance median (#40 of 352)
No single metric tells the full story. See the BKK:AYUD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Allianz Ayudhya Capital PLC is an investment holding company. The company is engaged in providing individual insurance such as motor insurance, personal accidents insurance, travel accidents insurance, fire insurance, cancer insurance and others. It is involved in non-life insurance business covering for loss or damage of insured properties, such as constructions, commercial and residential buildings, factories, and merchandise, marine and transportation insurance. The company is operating in three principal business segments Non-life insurance business generating the key revenue, Service business and Investment business, which are only organized and managed in a single geographic area, namely in Thailand.
82GF Score
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