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. Hapvida Participacoes Investimento's
Operating Income
for the
three
months ended in Mar. 2026 was R$718 Mil. Hapvida Participacoes Investimento's Interest Expense for the
three
months ended in Mar. 2026 was R$-716 Mil.
Hapvida Participacoes Investimento's interest coverage for the quarter that ended in Mar. 2026 was 1.00.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Hapvida Participacoes Investimento's Interest Coverage or its related term are showing as below:
BSP:HAPV3'
s Interest Coverage Range Over the Past 10 Years
Min: 0.03 Med: 1.78 Max: 21.09
Current: 0.66
BSP:HAPV3's Interest Coverage is ranked worse than 98.58% of 353
companies
in the Insurance industry
Industry Median: 16.26
vs BSP:HAPV3: 0.66
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 .
Hapvida Participacoes Investimento Interest Coverage Related Terms
Hapvida Participacoes Investimento Interest Coverage Historical Data
* 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.
BSP:HAPV3 vs AFL, MET, PRU: Interest Coverage Comparison
For the Insurance - Life subindustry, Hapvida Participacoes Investimento'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.
Hapvida Participacoes Investimento Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Hapvida Participacoes Investimento's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Hapvida Participacoes Investimento'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.
Hapvida Participacoes Investimento (BSP:HAPV3) has a Interest Coverage of 1.00 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Hapvida Participacoes Investimento and its competitors. This is 44% below median its historical median of 1.78. Over the past decade, Hapvida Participacoes Investimento's Interest Coverage has ranged from 0.03 to 21.09. According to the industry distribution chart, Hapvida Participacoes Investimento ranks #348 out of 353 companies in the Insurance industry, placing it in the top 98.6%.
Is Hapvida Participacoes Investimento's Interest Coverage too high?
Hapvida Participacoes Investimento's current Interest Coverage of 1.00 is 44% below median its 10-year median of 1.78. Over the past 10 years, this metric has ranged from a low of 0.03 to a high of 21.09. The Insurance industry median Interest Coverage is 16.26. Hapvida Participacoes Investimento's value of 1.00 is 93.8% below this industry median. Based on the distribution chart, Hapvida Participacoes Investimento ranks #348 out of 353 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Hapvida Participacoes Investimento has a GF Score™ of 67/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Hapvida Participacoes Investimento's Interest Coverage compare to AFL and MET?
According to the Insurance industry distribution chart, Hapvida Participacoes Investimento ranks #348 out of 353 companies for Interest Coverage. This places Hapvida Participacoes Investimento in the lower half of its industry. The industry median Interest Coverage is 16.26. Hapvida Participacoes Investimento's value of 1.00 is 93.8% below this benchmark. Historically, Hapvida Participacoes Investimento's own Interest Coverage has ranged from 0.03 to 21.09 over the past decade. While the company's 10-year median is 1.78 vs. the industry median of 16.26, Hapvida Participacoes Investimento 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 16.26, based on 353 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. Hapvida Participacoes Investimento's current Interest Coverage of 1.00 is 93.8% 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 Hapvida Participacoes Investimento and its competitors. For the Insurance industry, the median Interest Coverage is 16.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hapvida Participacoes Investimento's current Interest Coverage is 1.00, which is 44% below median its own 10-year median of 1.78. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hapvida Participacoes Investimento stock overvalued right now?
Based on GuruFocus' analysis, Hapvida Participacoes Investimento (BSP:HAPV3) is currently considered Possible Value Trap. The stock's GF Value™ is R$54.47, compared to a current price of R$10.24 — trading 81.2% below its estimated fair value. The current Interest Coverage is 1.00, which is 44% below median its 10-year median of 1.78 and 93.8% below the Insurance industry median of 16.26. Hapvida Participacoes Investimento's overall GF Score™ is 67/100 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 Hapvida Participacoes Investimento (BSP:HAPV3), the current Interest Coverage is 1.00 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 Hapvida Participacoes Investimento (BSP:HAPV3) Overvalued in 2026?
Based on GuruFocus' analysis, Hapvida Participacoes Investimento stock appears to be undervalued.
The current stock price of R$10.24 is trading 81.2% below its estimated GF Value™ of R$54.47.
GuruFocus considers Hapvida Participacoes Investimento to be Possible Value Trap.
Key valuation signals for BSP:HAPV3:
Interest Coverage: 1.00 (44% below median its 10-year median of 1.78)
GF Value™: R$54.47 vs. price of R$10.24 (81.2% below fair value)
Industry Position: 93.8% below the Insurance median (#348 of 353)
No single metric tells the full story. See the BSP:HAPV3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hapvida Participacoes Investimento Business Description
Hapvida Participacoes Investimento SA is the medical-hospital and dental care company. The company and its subsidiaries are mainly engaged in the sale of health insurance plans and delivering the majority of medical assistance at its own hospitals, clinics, imaging diagnostics and laboratories; and the sale of dental insurance plans for services provided by an accredited network.
67GF Score
Get the complete analysis for BSP:HAPV3
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