Navakij Insurance PCLBKK:NKI-R 59 Interest Coverage is 57.76 as of Mar. 2026, which is 23% above its 10-year median of 46.85. GuruFocus rates BKK:NKI-R with a GF Score™ of 59/100 and a GF Value™ of ฿17.38. The stock has 1 warning sign investors should review. Among 351 Insurance companies, Navakij Insurance PCL 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. Navakij Insurance PCL's
EBIT
for the
three
months ended in Mar. 2026 was ฿17 Mil. Navakij Insurance PCL's Interest Expense for the
three
months ended in Mar. 2026 was ฿-0 Mil.
Navakij Insurance PCL's interest coverage for the quarter that ended in Mar. 2026 was 57.76.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Navakij Insurance PCL's Interest Coverage or its related term are showing as below:
BKK:NKI-R's Interest Coverage is not ranked *
in the Insurance industry.
Industry Median: 16.23 * Ranked among companies with meaningful Interest Coverage only.
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 .
Navakij Insurance PCL Interest Coverage Related Terms
Navakij Insurance PCL Interest Coverage Historical Data
* Premium members only.
The historical data trend for Navakij Insurance PCL'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:NKI-R vs CB, PGR, TRV: Interest Coverage Comparison
For the Insurance - Property & Casualty subindustry, Navakij Insurance PCL'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.
Navakij Insurance PCL Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Navakij Insurance PCL's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Navakij Insurance PCL'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.
Navakij Insurance PCL (BKK:NKI-R) has a Interest Coverage of 57.76 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Navakij Insurance PCL and its competitors. This is 23% above median its historical median of 46.85. According to the industry distribution chart, Navakij Insurance PCL ranks #999999 out of 351 companies in the Insurance industry.
Is Navakij Insurance PCL's Interest Coverage too high?
Navakij Insurance PCL's current Interest Coverage of 57.76 is 23% above median its 10-year median of 46.85. The Insurance industry median Interest Coverage is 16.23. Navakij Insurance PCL's value of 57.76 is 255.9% above this industry median. Based on the distribution chart, Navakij Insurance PCL ranks #999999 out of 351 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Navakij Insurance PCL has a GF Score™ of 59/100, reflecting its overall financial health beyond just this single metric.
How does Navakij Insurance PCL's Interest Coverage compare to CB and PGR?
According to the Insurance industry distribution chart, Navakij Insurance PCL ranks #999999 out of 351 companies for Interest Coverage. This places Navakij Insurance PCL in the lower half of its industry. The industry median Interest Coverage is 16.23. Navakij Insurance PCL's value of 57.76 is 255.9% above this benchmark. While the company's 10-year median is 46.85 vs. the industry median of 16.23, Navakij Insurance PCL 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. Navakij Insurance PCL's current Interest Coverage of 57.76 is 255.9% 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 Navakij Insurance PCL 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. Navakij Insurance PCL's current Interest Coverage is 57.76, which is 23% above median its own 10-year median of 46.85. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Navakij Insurance PCL stock overvalued right now?
Navakij Insurance PCL (BKK:NKI-R) has a current Interest Coverage of 57.76. The stock's GF Value™ is ฿17.38, compared to a current price of ฿13.00 — trading 25.2% below its estimated fair value. The current Interest Coverage is 57.76, which is 23% above median its 10-year median of 46.85 and 255.9% above the Insurance industry median of 16.23. Navakij Insurance PCL's overall GF Score™ is 59/100 with 1 warning sign 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 Navakij Insurance PCL (BKK:NKI-R), the current Interest Coverage is 57.76 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 Navakij Insurance PCL (BKK:NKI-R) Overvalued in 2026?
Based on GuruFocus' analysis, Navakij Insurance PCL stock appears to be undervalued.
The current stock price of ฿13.00 is trading 25.2% below its estimated GF Value™ of ฿17.38.
Key valuation signals for BKK:NKI-R:
Interest Coverage: 57.76 (23% above median its 10-year median of 46.85)
GF Value™: ฿17.38 vs. price of ฿13.00 (25.2% below fair value)
Industry Position: 255.9% above the Insurance median (#999999 of 351)
No single metric tells the full story. See the BKK:NKI-R stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Navakij Insurance PCL is engaged in the provision of non-life insurance. The different kinds of insurance offered by the company include Motor Insurance, Fire Insurance, Marine and Transportation Insurance, and miscellaneous Insurance. The company operates its business in Thailand only.
59GF Score
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