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Thai Group Holdings PCLBKK:TGH +1.90%60 Interest Coverage is 0.38 as of Jun. 2026, which is 27% above its 10-year median of 0.30. GuruFocus rates BKK:TGH with a GF Score™ of 60/100 and a GF Value™ of ฿12.55 (Modestly Undervalued). The stock has 8 warning signs investors should review. Among 347 Insurance companies, Thai Group Holdings PCL ranks worse than 99.14% 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
Operating Income
by its Interest Expense. Thai Group Holdings PCL's
Operating Income
for the
three
months ended in Jun. 2026 was ฿209 Mil. Thai Group Holdings PCL's Interest Expense for the
three
months ended in Jun. 2026 was ฿-546 Mil.
Thai Group Holdings PCL's interest coverage for the quarter that ended in Jun. 2026 was 0.38.
The higher the ratio, the stronger the company's financial strength is.
Warning Sign:
Ben Graham prefers companies' interest coverage to be at least 5. Thai Group Holdings PCLs earnings cannot cover its interest expense. If the situation continues, the company may have to issue more debt.
The historical rank and industry rank for Thai Group Holdings PCL's Interest Coverage or its related term are showing as below:
BKK:TGH'
s Interest Coverage Range Over the Past 10 Years
Min: 0.25 Med: 0.3 Max: 0.35
Current: 0.3
BKK:TGH's Interest Coverage is ranked worse than 99.14% of 347
companies
in the Insurance industry
Industry Median: 15.34
vs BKK:TGH: 0.30
Thai Group Holdings PCL (BKK:TGH) 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 .
Thai Group Holdings PCL Interest Coverage Related Terms
Thai Group Holdings PCL Interest Coverage Historical Data
* Premium members only.
The historical data trend for Thai Group Holdings 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:TGH vs BRK.A, AIG, HIG: Interest Coverage Comparison
For the Insurance - Diversified subindustry, Thai Group Holdings 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.
Thai Group Holdings PCL Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Thai Group Holdings PCL's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Thai Group Holdings PCL's Interest Coverage falls into.
Thai Group Holdings 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:
* 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.
Thai Group Holdings PCL (BKK:TGH) has a Interest Coverage of 0.38 as of Jun. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Thai Group Holdings PCL and its competitors. This is 27% above median its historical median of 0.30. Over the past decade, Thai Group Holdings PCL's Interest Coverage has ranged from 0.25 to 0.35. According to the industry distribution chart, Thai Group Holdings PCL ranks #344 out of 347 companies in the Insurance industry, placing it in the top 99.1%.
Is Thai Group Holdings PCL's Interest Coverage too high?
Thai Group Holdings PCL's current Interest Coverage of 0.38 is 27% above median its 10-year median of 0.30. Over the past 10 years, this metric has ranged from a low of 0.25 to a high of 0.35. The Insurance industry median Interest Coverage is 15.34. Thai Group Holdings PCL's value of 0.38 is 97.5% below this industry median. Based on the distribution chart, Thai Group Holdings PCL ranks #344 out of 347 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Thai Group Holdings PCL has a GF Score™ of 60/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Thai Group Holdings PCL's Interest Coverage compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Thai Group Holdings PCL ranks #344 out of 347 companies for Interest Coverage. This places Thai Group Holdings PCL in the lower half of its industry. The industry median Interest Coverage is 15.34. Thai Group Holdings PCL's value of 0.38 is 97.5% below this benchmark. Historically, Thai Group Holdings PCL's own Interest Coverage has ranged from 0.25 to 0.35 over the past decade. While the company's 10-year median is 0.30 vs. the industry median of 15.34, Thai Group Holdings PCL has consistently been below 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 15.34, based on 347 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. Thai Group Holdings PCL's current Interest Coverage of 0.38 is 97.5% below 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 Thai Group Holdings PCL and its competitors. For the Insurance industry, the median Interest Coverage is 15.34 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Thai Group Holdings PCL's current Interest Coverage is 0.38, which is 27% above median its own 10-year median of 0.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Thai Group Holdings PCL stock overvalued right now?
Based on GuruFocus' analysis, Thai Group Holdings PCL (BKK:TGH) is currently considered Modestly Undervalued. The stock's GF Value™ is ฿12.55, compared to a current price of ฿10.70 — trading 14.7% below its estimated fair value. The current Interest Coverage is 0.38, which is 27% above median its 10-year median of 0.30 and 97.5% below the Insurance industry median of 15.34. Thai Group Holdings PCL's overall GF Score™ is 60/100 with 8 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 Thai Group Holdings PCL (BKK:TGH), the current Interest Coverage is 0.38 as of Jun. 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 Thai Group Holdings PCL (BKK:TGH) Overvalued in 2026?
Based on GuruFocus' analysis, Thai Group Holdings PCL stock appears to be undervalued.
The current stock price of ฿10.70 is trading 14.7% below its estimated GF Value™ of ฿12.55.
GuruFocus considers Thai Group Holdings PCL to be Modestly Undervalued.
Key valuation signals for BKK:TGH:
Interest Coverage: 0.38 (27% above median its 10-year median of 0.30)
GF Value™: ฿12.55 vs. price of ฿10.70 (14.7% below fair value)
Industry Position: 97.5% below the Insurance median (#344 of 347)
No single metric tells the full story. See the BKK:TGH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Thai Group Holdings PCL is a Thailand-based holding company. The principal activities of the group are underwriting life assurance, underwriting non-life insurance, leasing, hire purchase services, lending, and sales of second-hand cars. It operates in four segments: Life Insurance business, Non - Life insurance business, Financial service business, and Other businesses. The vast majority of the revenues are generated from the Life insurance business segment. The company is managed and operates principally in Thailand.
60GF Score
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