Porto SeguroBSP:PSSA3 +1.25%74 Interest Coverage is 95.28 as of Mar. 2026, which is 504% above its 10-year median of 15.78. GuruFocus rates BSP:PSSA3 with a GF Score™ of 74/100 and a GF Value™ of R$45.13 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 351 Insurance companies, Porto Seguro ranks better than 78.35% 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. Porto Seguro's
EBIT
for the
three
months ended in Mar. 2026 was R$1,338 Mil. Porto Seguro's Interest Expense for the
three
months ended in Mar. 2026 was R$-14 Mil.
Porto Seguro's interest coverage for the quarter that ended in Mar. 2026 was 95.28.
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. Porto Seguro SA has enough cash to cover all of its debt. Its financial situation is stable.
The historical rank and industry rank for Porto Seguro's Interest Coverage or its related term are showing as below:
BSP:PSSA3'
s Interest Coverage Range Over the Past 10 Years
Min: 3.31 Med: 15.78 Max: 119.71
Current: 85.42
BSP:PSSA3's Interest Coverage is ranked better than 78.35% of 351
companies
in the Insurance industry
Industry Median: 16.23
vs BSP:PSSA3: 85.42
Porto Seguro (BSP:PSSA3) 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 .
Porto Seguro Interest Coverage Related Terms
Porto Seguro Interest Coverage Historical Data
* Premium members only.
The historical data trend for Porto Seguro'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.
BSP:PSSA3 vs BRK.A, AIG, HIG: Interest Coverage Comparison
For the Insurance - Diversified subindustry, Porto Seguro'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.
Porto Seguro Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Porto Seguro's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Porto Seguro'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.
Porto Seguro (BSP:PSSA3) has a Interest Coverage of 95.28 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Porto Seguro and its competitors. This is 504% above median its historical median of 15.78. Over the past decade, Porto Seguro's Interest Coverage has ranged from 3.31 to 119.71. According to the industry distribution chart, Porto Seguro ranks #76 out of 351 companies in the Insurance industry, placing it in the top 21.7%.
Is Porto Seguro's Interest Coverage too high?
Porto Seguro's current Interest Coverage of 95.28 is 504% above median its 10-year median of 15.78. Over the past 10 years, this metric has ranged from a low of 3.31 to a high of 119.71. The Insurance industry median Interest Coverage is 16.23. Porto Seguro's value of 95.28 is 487.1% above this industry median. Based on the distribution chart, Porto Seguro ranks #76 out of 351 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Porto Seguro has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Porto Seguro's Interest Coverage compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Porto Seguro ranks #76 out of 351 companies for Interest Coverage. This places Porto Seguro in the top 22% of its industry — outperforming the majority of peers. The industry median Interest Coverage is 16.23. Porto Seguro's value of 95.28 is 487.1% above this benchmark. Historically, Porto Seguro's own Interest Coverage has ranged from 3.31 to 119.71 over the past decade. While the company's 10-year median is 15.78 vs. the industry median of 16.23, Porto Seguro 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. Porto Seguro's current Interest Coverage of 95.28 is 487.1% 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 Porto Seguro 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. Porto Seguro's current Interest Coverage is 95.28, which is 504% above median its own 10-year median of 15.78. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Porto Seguro stock overvalued right now?
Based on GuruFocus' analysis, Porto Seguro (BSP:PSSA3) is currently considered Modestly Overvalued. The stock's GF Value™ is R$45.13, compared to a current price of R$53.26 — trading 18% above its estimated fair value. The current Interest Coverage is 95.28, which is 504% above median its 10-year median of 15.78 and 487.1% above the Insurance industry median of 16.23. Porto Seguro's overall GF Score™ is 74/100 with 2 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 Porto Seguro (BSP:PSSA3), the current Interest Coverage is 95.28 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 Porto Seguro (BSP:PSSA3) Overvalued in 2026?
Based on GuruFocus' analysis, Porto Seguro stock appears to be overvalued.
The current stock price of R$53.26 is trading 18% above its estimated GF Value™ of R$45.13.
GuruFocus considers Porto Seguro to be Modestly Overvalued.
Key valuation signals for BSP:PSSA3:
Interest Coverage: 95.28 (504% above median its 10-year median of 15.78)
GF Value™: R$45.13 vs. price of R$53.26 (18% above fair value)
Industry Position: 487.1% above the Insurance median (#76 of 351)
No single metric tells the full story. See the BSP:PSSA3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Porto Seguro SA is one of Brazil's diversified insurance companies that cover vehicles and residential homes. The company operates in many verticals like Insurance, bank, services and other business activities. The company provides a wide range of services including risk underwriting analysis, bike assistance, and surveillance. The company aims to provide products that meet several market needs through the following brands: Porto Seguro, Itau Auto e Residencia, and Azul Seguros and many others.
74GF Score
Get the complete analysis for BSP:PSSA3
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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