AFMACAS:AFM 84 Interest Coverage is 10.15 as of Dec. 2025, which is 36% below its 10-year median of 15.93. GuruFocus rates CAS:AFM with a GF Score™ of 84/100 and a GF Value™ of MAD1,572.88 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 351 Insurance companies, AFMA ranks worse than 53.85% 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. AFMA's
Operating Income
for the
six
months ended in Dec. 2025 was MAD47.5 Mil. AFMA's Interest Expense for the
six
months ended in Dec. 2025 was MAD-4.7 Mil.
AFMA's interest coverage for the quarter that ended in Dec. 2025 was 10.15.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for AFMA's Interest Coverage or its related term are showing as below:
CAS:AFM'
s Interest Coverage Range Over the Past 10 Years
Min: 13.33 Med: 15.93 Max: 5943.31
Current: 14.41
CAS:AFM's Interest Coverage is ranked worse than 53.85% of 351
companies
in the Insurance industry
Industry Median: 16.23
vs CAS:AFM: 14.41
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 .
AFMA Interest Coverage Related Terms
AFMA Interest Coverage Historical Data
* Premium members only.
The historical data trend for AFMA'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.
CAS:AFM vs MRSH, AON, AJG: Interest Coverage Comparison
For the Insurance Brokers subindustry, AFMA'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.
AFMA Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, AFMA's Interest Coverage distribution charts can be found below:
* The bar in red indicates where AFMA'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.
AFMA (CAS:AFM) has a Interest Coverage of 10.15 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on AFMA and its competitors. This is 36% below median its historical median of 15.93. Over the past decade, AFMA's Interest Coverage has ranged from 13.33 to 5,943.31. According to the industry distribution chart, AFMA ranks #189 out of 351 companies in the Insurance industry, placing it in the top 53.8%.
Is AFMA's Interest Coverage too high?
AFMA's current Interest Coverage of 10.15 is 36% below median its 10-year median of 15.93. Over the past 10 years, this metric has ranged from a low of 13.33 to a high of 5,943.31. The Insurance industry median Interest Coverage is 16.23. AFMA's value of 10.15 is 37.5% below this industry median. Based on the distribution chart, AFMA ranks #189 out of 351 companies in the Insurance industry, which is below the industry midpoint. Overall, AFMA has a GF Score™ of 84/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does AFMA's Interest Coverage compare to MRSH and AON?
According to the Insurance industry distribution chart, AFMA ranks #189 out of 351 companies for Interest Coverage. This places AFMA in the lower half of its industry. The industry median Interest Coverage is 16.23. AFMA's value of 10.15 is 37.5% below this benchmark. Historically, AFMA's own Interest Coverage has ranged from 13.33 to 5,943.31 over the past decade. While the company's 10-year median is 15.93 vs. the industry median of 16.23, AFMA 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 16.23, 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. AFMA's current Interest Coverage of 10.15 is 37.5% 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 AFMA 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. AFMA's current Interest Coverage is 10.15, which is 36% below median its own 10-year median of 15.93. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AFMA stock overvalued right now?
Based on GuruFocus' analysis, AFMA (CAS:AFM) is currently considered Modestly Undervalued. The stock's GF Value™ is MAD1,572.88, compared to a current price of MAD1,240.00 — trading 21.2% below its estimated fair value. The current Interest Coverage is 10.15, which is 36% below median its 10-year median of 15.93 and 37.5% below the Insurance industry median of 16.23. AFMA's overall GF Score™ is 84/100 with 4 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 AFMA (CAS:AFM), the current Interest Coverage is 10.15 as of Dec. 2025. 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 AFMA (CAS:AFM) Overvalued in 2026?
Based on GuruFocus' analysis, AFMA stock appears to be undervalued.
The current stock price of MAD1,240.00 is trading 21.2% below its estimated GF Value™ of MAD1,572.88.
GuruFocus considers AFMA to be Modestly Undervalued.
Key valuation signals for CAS:AFM:
Interest Coverage: 10.15 (36% below median its 10-year median of 15.93)
GF Value™: MAD1,572.88 vs. price of MAD1,240.00 (21.2% below fair value)
Industry Position: 37.5% below the Insurance median (#189 of 351)
No single metric tells the full story. See the CAS:AFM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AFMA SA provides insurance brokerage services in Morocco. It offers insurance products including Damage Insurance, Insurance Operating Losses, Civil Responsibilities, Car insurance, Transport Insurance, Construction-Related Insurance, Insurance of Persons and Credit insurance. It provides insurance services to both individuals and corporate clients.
84GF Score
Get the complete analysis for CAS:AFM
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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