Trust Islami Life InsuranceDHA:TILIL +1.52%40 Interest Coverage is 69.61 as of Jun. 2025, which is 21% below its 10-year median of 87.82. GuruFocus rates DHA:TILIL with a GF Score™ of 40/100. The stock has 1 warning sign investors should review. Among 351 Insurance companies, Trust Islami Life Insurance ranks better than 80.34% 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. Trust Islami Life Insurance's
EBIT
for the
three
months ended in Jun. 2025 was BDT19.7 Mil. Trust Islami Life Insurance's Interest Expense for the
three
months ended in Jun. 2025 was BDT-0.3 Mil.
Trust Islami Life Insurance's interest coverage for the quarter that ended in Jun. 2025 was 69.61.
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. Trust Islami Life Insurance PLC has enough cash to cover all of its debt. Its financial situation is stable.
The historical rank and industry rank for Trust Islami Life Insurance's Interest Coverage or its related term are showing as below:
DHA:TILIL'
s Interest Coverage Range Over the Past 10 Years
Min: 58.1 Med: 87.82 Max: 99.78
Current: 99.78
DHA:TILIL's Interest Coverage is ranked better than 80.34% of 351
companies
in the Insurance industry
Industry Median: 16.23
vs DHA:TILIL: 99.78
Trust Islami Life Insurance (DHA:TILIL) 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 .
Trust Islami Life Insurance Interest Coverage Related Terms
Trust Islami Life Insurance 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.
Trust Islami Life Insurance Interest Coverage Chart
DHA:TILIL vs AFL, MET, PRU: Interest Coverage Comparison
For the Insurance - Life subindustry, Trust Islami Life Insurance'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.
Trust Islami Life Insurance Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Trust Islami Life Insurance's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Trust Islami Life Insurance's Interest Coverage falls into.
Trust Islami Life Insurance Interest Coverage Calculation
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.
Trust Islami Life Insurance (DHA:TILIL) has a Interest Coverage of 69.61 as of Jun. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Trust Islami Life Insurance and its competitors. This is 21% below median its historical median of 87.82. Over the past decade, Trust Islami Life Insurance's Interest Coverage has ranged from 58.10 to 99.78. According to the industry distribution chart, Trust Islami Life Insurance ranks #69 out of 351 companies in the Insurance industry, placing it in the top 19.7%.
Is Trust Islami Life Insurance's Interest Coverage too high?
Trust Islami Life Insurance's current Interest Coverage of 69.61 is 21% below median its 10-year median of 87.82. Over the past 10 years, this metric has ranged from a low of 58.10 to a high of 99.78. The Insurance industry median Interest Coverage is 16.23. Trust Islami Life Insurance's value of 69.61 is 328.9% above this industry median. Based on the distribution chart, Trust Islami Life Insurance ranks #69 out of 351 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Trust Islami Life Insurance has a GF Score™ of 40/100, reflecting its overall financial health beyond just this single metric.
How does Trust Islami Life Insurance's Interest Coverage compare to AFL and MET?
According to the Insurance industry distribution chart, Trust Islami Life Insurance ranks #69 out of 351 companies for Interest Coverage. This places Trust Islami Life Insurance in the top 20% of its industry — outperforming the majority of peers. The industry median Interest Coverage is 16.23. Trust Islami Life Insurance's value of 69.61 is 328.9% above this benchmark. Historically, Trust Islami Life Insurance's own Interest Coverage has ranged from 58.10 to 99.78 over the past decade. While the company's 10-year median is 87.82 vs. the industry median of 16.23, Trust Islami Life Insurance 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. Trust Islami Life Insurance's current Interest Coverage of 69.61 is 328.9% 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 Trust Islami Life Insurance 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. Trust Islami Life Insurance's current Interest Coverage is 69.61, which is 21% below median its own 10-year median of 87.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Trust Islami Life Insurance stock overvalued right now?
Trust Islami Life Insurance (DHA:TILIL) has a current Interest Coverage of 69.61. The current Interest Coverage is 69.61, which is 21% below median its 10-year median of 87.82 and 328.9% above the Insurance industry median of 16.23. Trust Islami Life Insurance's overall GF Score™ is 40/100 with 1 warning sign 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 Trust Islami Life Insurance (DHA:TILIL), the current Interest Coverage is 69.61 as of Jun. 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.
Trust Islami Life Insurance PLC, formerly known as Trust Islami Life Insurance Ltd, engages in carrying out all kinds of Life insurance activities. It is engaged in Ordinary life Insurance, Group Insurance (GI), and Non-traditional Micro Insurance businesses. The company offers products such as Ordinary Savings, Micro Savings, Sariah Plans, Pension Scheme, Children Protection, Investment plans.
40GF Score
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