FLFG (Federal Life Group) Interest Coverage: No Debt (1) (As of Mar. 2019)


What is Federal Life Group Interest Coverage?

Federal Life Group FLFG Interest Coverage is No Debt (1) as of Mar. 2019.

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. Federal Life Group's EBIT for the three months ended in Mar. 2019 was $0.00 Mil. Federal Life Group's Interest Expense for the three months ended in Mar. 2019 was $0.00 Mil. Federal Life Group has no debt. The higher the ratio, the stronger the company's financial strength is.

(1) 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.

The historical rank and industry rank for Federal Life Group's Interest Coverage or its related term are showing as below:


FLFG's Interest Coverage is not ranked *
in the Insurance industry.
Industry Median: 16.26
* Ranked among companies with meaningful Interest Coverage only.

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Federal Life Group  (OTCPK:FLFG) 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 .

Federal Life Group Interest Coverage Related Terms

Federal Life Group Interest Coverage Historical Data

* Premium members only.

The historical data trend for Federal Life Group'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.

Federal Life Group Interest Coverage Chart

Federal Life Group Annual Data
Trend Dec16 Dec17 Dec18
Interest Coverage
0.00 0.00 0.00

Federal Life Group Quarterly Data
Dec16 Sep17 Dec17 Mar18 Jun18 Sep18 Dec18 Mar19
Interest Coverage Get a 7-Day Free Trial No Debt No Debt N/A No Debt No Debt

FLFG vs : Interest Coverage Comparison

For the Insurance - Life subindustry, Federal Life Group'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.

Federal Life Group Interest Coverage vs Insurance Industry

For the Insurance industry and Financial Services sector, Federal Life Group's Interest Coverage distribution charts can be found below:

* The bar in red indicates where Federal Life Group's Interest Coverage falls into.


Federal Life Group 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:

If Interest Expense is negative and EBIT is positive, then

Interest Coverage=-1* EBIT /Interest Expense

Else if Interest Expense is negative and EBIT is negative, then

The company did not have earnings to cover the interest expense.

Else if Interest Expense is 0 and Long-Term Debt & Capital Lease Obligation is 0, then

The company had no debt (1).


Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Federal Life Group's Interest Coverage for the fiscal year that ended in Dec. 2018 is calculated as

Here, for the fiscal year that ended in Dec. 2018, Federal Life Group's Interest Expense was $-0.71 Mil. Its EBIT was $0.00 Mil. And its Long-Term Debt & Capital Lease Obligation was $0.00 Mil.

Federal Life Group's Interest Coverage for the quarter that ended in Mar. 2019 is calculated as

Here, for the three months ended in Mar. 2019, Federal Life Group's Interest Expense was $0.00 Mil. Its EBIT was $0.00 Mil. And its Long-Term Debt & Capital Lease Obligation was $0.00 Mil.

Federal Life Group had no debt (1).

* 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.

The higher the ratio, the stronger the company's Financial Strength is.

Frequently Asked Questions Learn more about Interest Coverage →
What does a Interest Coverage of No Debt <sup>(1)</sup> mean?
Federal Life Group (FLFG) has a Interest Coverage of No Debt (1) as of Mar. 2019. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Federal Life Group and its competitors.
Is Federal Life Group's Interest Coverage too high?
Federal Life Group's current Interest Coverage is No Debt (1).
How does Federal Life Group's Interest Coverage compare to ?
Federal Life Group's Interest Coverage of No Debt (1) can be compared against companies in the Insurance industry. The industry median Interest Coverage is 16.26. 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. 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 Federal Life Group 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. Federal Life Group's current Interest Coverage is No Debt (1). However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Federal Life Group stock overvalued right now?
Federal Life Group (FLFG) has a current Interest Coverage of No Debt (1). The current Interest Coverage is No Debt (1). 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 Federal Life Group (FLFG), the current Interest Coverage is No Debt (1) as of Mar. 2019. 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.

Federal Life Group Business Description

Comparable Companies
Address 3750 West Deerfield Road, Riverwoods, IL, USA, 60015
Federal Life Group Inc provides life insurance and annuity products targeted to the middle American market. Its core business activities include the sale of life insurance and fixed index and fixed rate annuities. Products offered by the company include Lifetime Coverage, Specific Period of Time Coverage, Flexible Coverage, Long-Term Growth with Fixed and Index-Linked Options, Multi-Pay Retirement Savings Plan, Single-Pay Retirement Savings Plan, Immediate Guaranteed Retirement Income, Final Expense Plan, Final Expense Plan - Limited Health Issues and Single-Pay Permanent Life.