Samaggi Insurance PCL (BKK:SMG-R) Interest Coverage: No Debt (1) (As of Mar. 2016) — 100% Below Median


What is Samaggi Insurance PCL Interest Coverage?

Samaggi Insurance PCL BKK:SMG-R Interest Coverage is No Debt (1) as of Mar. 2016, which is 100% below its 10-year median of 10,000.00. The stock has 3 warning signs investors should review.

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. Samaggi Insurance PCL's EBIT for the three months ended in Mar. 2016 was ฿479.42 Mil. Samaggi Insurance PCL's Interest Expense for the three months ended in Mar. 2016 was ฿0.00 Mil. Samaggi Insurance PCL has no debt. The higher the ratio, the stronger the company's financial strength is.

Good Sign:

Samaggi Insurance PCL has no debt.

(1) 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.

The historical rank and industry rank for Samaggi Insurance PCL's Interest Coverage or its related term are showing as below:

BKK:SMG-R' s Interest Coverage Range Over the Past 10 Years
Min: No Debt   Med: No Debt   Max: No Debt
Current: No Debt

BKK:SMG-R's Interest Coverage is not ranked
in the Insurance industry.
Industry Median: 16.23 vs BKK:SMG-R: No Debt

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Samaggi Insurance PCL  (BKK:SMG-R) 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 .

Samaggi Insurance PCL Interest Coverage Related Terms

Samaggi Insurance PCL Interest Coverage Historical Data

* Premium members only.

The historical data trend for Samaggi 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.

Samaggi Insurance PCL Interest Coverage Chart

Samaggi Insurance PCL Annual Data
Trend Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15
Interest Coverage
Get a 7-Day Free Trial Premium Member Only Premium Member Only No Debt No Debt No Debt No Debt No Debt

Samaggi Insurance PCL Quarterly Data
Jun11 Sep11 Dec11 Mar12 Jun12 Sep12 Dec12 Mar13 Jun13 Sep13 Dec13 Mar14 Jun14 Sep14 Dec14 Mar15 Jun15 Sep15 Dec15 Mar16
Interest Coverage Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only No Debt No Debt No Debt No Debt No Debt

BKK:SMG-R vs PTVCA, FNHC: Interest Coverage Comparison

For the Insurance - Property & Casualty subindustry, Samaggi 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.

Samaggi Insurance PCL Interest Coverage vs Insurance Industry

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

* The bar in red indicates where Samaggi Insurance PCL's Interest Coverage falls into.


Samaggi Insurance PCL 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.

Samaggi Insurance PCL's Interest Coverage for the fiscal year that ended in Dec. 2015 is calculated as

Here, for the fiscal year that ended in Dec. 2015, Samaggi Insurance PCL's Interest Expense was ฿0.00 Mil. Its EBIT was ฿1,082.21 Mil. And its Long-Term Debt & Capital Lease Obligation was ฿0.00 Mil.

Samaggi Insurance PCL had no debt (1).

Samaggi Insurance PCL's Interest Coverage for the quarter that ended in Mar. 2016 is calculated as

Here, for the three months ended in Mar. 2016, Samaggi Insurance PCL's Interest Expense was ฿0.00 Mil. Its EBIT was ฿479.42 Mil. And its Long-Term Debt & Capital Lease Obligation was ฿0.00 Mil.

Samaggi Insurance PCL had no debt (1).

* 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 No Debt <sup>(1)</sup> mean?
Samaggi Insurance PCL (BKK:SMG-R) has a Interest Coverage of No Debt (1) as of Mar. 2016. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Samaggi Insurance PCL and its competitors. This is 100% below median its historical median of 10,000.00. Over the past decade, Samaggi Insurance PCL's Interest Coverage has ranged from 10,000.00 to 10,000.00.
Is Samaggi Insurance PCL's Interest Coverage too high?
Samaggi Insurance PCL's current Interest Coverage of No Debt (1) is 100% below median its 10-year median of 10,000.00. Over the past 10 years, this metric has ranged from a low of 10,000.00 to a high of 10,000.00.
How does Samaggi Insurance PCL's Interest Coverage compare to PTVCA and FNHC?
Samaggi Insurance PCL's Interest Coverage of No Debt (1) can be compared against companies in the Insurance industry. The industry median Interest Coverage is 16.23. Historically, Samaggi Insurance PCL's own Interest Coverage has ranged from 10,000.00 to 10,000.00 over the past decade. 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 Samaggi 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. Samaggi Insurance PCL's current Interest Coverage is No Debt (1), which is 100% below median its own 10-year median of 10,000.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Samaggi Insurance PCL stock overvalued right now?
Samaggi Insurance PCL (BKK:SMG-R) has a current Interest Coverage of No Debt (1). The current Interest Coverage is No Debt (1), which is 100% below median its 10-year median of 10,000.00. 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 Samaggi Insurance PCL (BKK:SMG-R), the current Interest Coverage is No Debt (1) as of Mar. 2016. 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.

Samaggi Insurance PCL Business Description

Siam Commercial Samaggi Insurance Public Company Limited operates a non-life insurance business including fire, marine and cargo, motor and miscellaneous insurance.