Ageas/ NVCHIX:AGSB 74 Interest Coverage is 8.99 as of Dec. 2025, which is 16% below its 10-year median of 10.75. GuruFocus rates CHIX:AGSB with a GF Score™ of 74/100 and a GF Value™ of €56.30 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 352 Insurance companies, Ageas/ NV ranks worse than 66.19% 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. Ageas/ NV's
EBIT
for the
six
months ended in Dec. 2025 was €1,438 Mil. Ageas/ NV's Interest Expense for the
six
months ended in Dec. 2025 was €-160 Mil.
Ageas/ NV's interest coverage for the quarter that ended in Dec. 2025 was 8.99.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Ageas/ NV's Interest Coverage or its related term are showing as below:
CHIX:AGSb'
s Interest Coverage Range Over the Past 10 Years
Min: 4.64 Med: 10.75 Max: 14.52
Current: 8.54
CHIX:AGSb's Interest Coverage is ranked worse than 66.19% of 352
companies
in the Insurance industry
Industry Median: 16.245
vs CHIX:AGSb: 8.54
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 .
Ageas/ NV Interest Coverage Related Terms
Ageas/ NV Interest Coverage Historical Data
* Premium members only.
The historical data trend for Ageas/ NV'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.
CHIX:AGSB vs BRK.A, AIG, HIG: Interest Coverage Comparison
For the Insurance - Diversified subindustry, Ageas/ NV'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.
Ageas/ NV Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Ageas/ NV's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Ageas/ NV'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.
Ageas/ NV (CHIX:AGSB) has a Interest Coverage of 8.99 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Ageas/ NV and its competitors. This is 16% below median its historical median of 10.75. Over the past decade, Ageas/ NV's Interest Coverage has ranged from 4.64 to 14.52. According to the industry distribution chart, Ageas/ NV ranks #233 out of 352 companies in the Insurance industry, placing it in the top 66.2%.
Is Ageas/ NV's Interest Coverage too high?
Ageas/ NV's current Interest Coverage of 8.99 is 16% below median its 10-year median of 10.75. Over the past 10 years, this metric has ranged from a low of 4.64 to a high of 14.52. The Insurance industry median Interest Coverage is 16.25. Ageas/ NV's value of 8.99 is 44.7% below this industry median. Based on the distribution chart, Ageas/ NV ranks #233 out of 352 companies in the Insurance industry, which is below the industry midpoint. Overall, Ageas/ NV has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ageas/ NV's Interest Coverage compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Ageas/ NV ranks #233 out of 352 companies for Interest Coverage. This places Ageas/ NV in the lower half of its industry. The industry median Interest Coverage is 16.25. Ageas/ NV's value of 8.99 is 44.7% below this benchmark. Historically, Ageas/ NV's own Interest Coverage has ranged from 4.64 to 14.52 over the past decade. While the company's 10-year median is 10.75 vs. the industry median of 16.25, Ageas/ NV 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 16.25, based on 352 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. Ageas/ NV's current Interest Coverage of 8.99 is 44.7% 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 Ageas/ NV and its competitors. For the Insurance industry, the median Interest Coverage is 16.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ageas/ NV's current Interest Coverage is 8.99, which is 16% below median its own 10-year median of 10.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ageas/ NV stock overvalued right now?
Based on GuruFocus' analysis, Ageas/ NV (CHIX:AGSB) is currently considered Modestly Overvalued. The stock's GF Value™ is €56.30, compared to a current price of €68.18 — trading 21.1% above its estimated fair value. The current Interest Coverage is 8.99, which is 16% below median its 10-year median of 10.75 and 44.7% below the Insurance industry median of 16.25. Ageas/ NV's overall GF Score™ is 74/100 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 Ageas/ NV (CHIX:AGSB), the current Interest Coverage is 8.99 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 Ageas/ NV (CHIX:AGSB) Overvalued in 2026?
Based on GuruFocus' analysis, Ageas/ NV stock appears to be overvalued.
The current stock price of €68.18 is trading 21.1% above its estimated GF Value™ of €56.30.
GuruFocus considers Ageas/ NV to be Modestly Overvalued.
Key valuation signals for CHIX:AGSB:
Interest Coverage: 8.99 (16% below median its 10-year median of 10.75)
GF Value™: €56.30 vs. price of €68.18 (21.1% above fair value)
Industry Position: 44.7% below the Insurance median (#233 of 352)
No single metric tells the full story. See the CHIX:AGSB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ageas was spun out of Fortis during the financial crisis after a consortium including Banco Santander and Royal Bank of Scotland launched a failed bid for ABN Amro. The takeover was badly timed and overly ambitious, and to fund it Fortis started selling noncore divisions while writing down collateralized debt. As Fortis' capital began to decline, the company initiated a rights issue, and suspended the dividend. As Fortis' share price began to decline and financial market conditions continued to deteriorate, with a series of leadership changes, customers began to withdraw deposits. Fortis was approached by the government and sold its domestic banking operations to the Belgian government. It also spun off its asset management and insurance units which later became Ageas.
74GF Score
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