ChesnaraCSNRF 51 Interest Coverage is 4.97 as of Dec. 2025, which is 57% below its 10-year median of 11.69. GuruFocus rates CSNRF with a GF Score™ of 51/100 and a GF Value™ of $2.24. The stock has 5 warning signs investors should review. Among 353 Insurance companies, Chesnara ranks worse than 88.95% 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. Chesnara's
EBIT
for the
six
months ended in Dec. 2025 was $39 Mil. Chesnara's Interest Expense for the
six
months ended in Dec. 2025 was $-8 Mil.
Chesnara's interest coverage for the quarter that ended in Dec. 2025 was 4.97.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Chesnara's Interest Coverage or its related term are showing as below:
CSNRF'
s Interest Coverage Range Over the Past 10 Years
Min: 1.15 Med: 11.69 Max: 35.93
Current: 2.65
CSNRF's Interest Coverage is ranked worse than 88.95% of 353
companies
in the Insurance industry
Industry Median: 16.26
vs CSNRF: 2.65
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 .
Chesnara Interest Coverage Related Terms
Chesnara Interest Coverage Historical Data
* Premium members only.
The historical data trend for Chesnara'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.
CSNRF vs AFL, MET, PRU: Interest Coverage Comparison
For the Insurance - Life subindustry, Chesnara'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.
Chesnara Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Chesnara's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Chesnara'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.
Chesnara (CSNRF) has a Interest Coverage of 4.97 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Chesnara and its competitors. This is 57% below median its historical median of 11.69. Over the past decade, Chesnara's Interest Coverage has ranged from 1.15 to 35.93. According to the industry distribution chart, Chesnara ranks #314 out of 353 companies in the Insurance industry, placing it in the top 89%.
Is Chesnara's Interest Coverage too high?
Chesnara's current Interest Coverage of 4.97 is 57% below median its 10-year median of 11.69. Over the past 10 years, this metric has ranged from a low of 1.15 to a high of 35.93. The Insurance industry median Interest Coverage is 16.26. Chesnara's value of 4.97 is 69.4% below this industry median. Based on the distribution chart, Chesnara ranks #314 out of 353 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Chesnara has a GF Score™ of 51/100, reflecting its overall financial health beyond just this single metric.
How does Chesnara's Interest Coverage compare to AFL and MET?
According to the Insurance industry distribution chart, Chesnara ranks #314 out of 353 companies for Interest Coverage. This places Chesnara in the lower half of its industry. The industry median Interest Coverage is 16.26. Chesnara's value of 4.97 is 69.4% below this benchmark. Historically, Chesnara's own Interest Coverage has ranged from 1.15 to 35.93 over the past decade. While the company's 10-year median is 11.69 vs. the industry median of 16.26, Chesnara 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. Chesnara's current Interest Coverage of 4.97 is 69.4% 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 Chesnara 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. Chesnara's current Interest Coverage is 4.97, which is 57% below median its own 10-year median of 11.69. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Chesnara stock overvalued right now?
Chesnara (CSNRF) has a current Interest Coverage of 4.97. The stock's GF Value™ is $2.24, compared to a current price of $4.57 — trading 104% above its estimated fair value. The current Interest Coverage is 4.97, which is 57% below median its 10-year median of 11.69 and 69.4% below the Insurance industry median of 16.26. Chesnara's overall GF Score™ is 51/100 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 Chesnara (CSNRF), the current Interest Coverage is 4.97 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 Chesnara (CSNRF) Overvalued in 2026?
Based on GuruFocus' analysis, Chesnara stock appears to be overvalued.
The current stock price of $4.57 is trading 104% above its estimated GF Value™ of $2.24.
Key valuation signals for CSNRF:
Interest Coverage: 4.97 (57% below median its 10-year median of 11.69)
GF Value™: $2.24 vs. price of $4.57 (104% above fair value)
Industry Position: 69.4% below the Insurance median (#314 of 353)
No single metric tells the full story. See the CSNRF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Chesnara PLC is engaged in the life assurance and pensions business, operating as a consolidator of life insurance and retirement savings portfolios. The Group has three reportable segments: UK, Sweden, and the Netherlands. The UK segment comprises life insurance and pensions operations through Countrywide Assured plc. The Sweden segment includes Movestic, which focuses on unit-linked pension business and provides life and health products. The Netherlands segment represents the combined Dutch life insurance business under the Scildon brand, following the integration of Waard and Scildon, and offers protection, individual savings, and group pension contracts.
51GF Score
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