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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. PT Asuransi Tugu Pratama Indonesia Tbk's
EBIT
for the
three
months ended in Mar. 2026 was €16.9 Mil. PT Asuransi Tugu Pratama Indonesia Tbk's Interest Expense for the
three
months ended in Mar. 2026 was €-0.6 Mil.
PT Asuransi Tugu Pratama Indonesia Tbk's interest coverage for the quarter that ended in Mar. 2026 was 28.68.
The higher the ratio, the stronger the company's financial strength is.
PT Asuransi Tugu Pratama Indonesia Tbk (FRA:H1M) 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 .
PT Asuransi Tugu Pratama Indonesia Tbk Interest Coverage Related Terms
PT Asuransi Tugu Pratama Indonesia Tbk 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.
PT Asuransi Tugu Pratama Indonesia Tbk Interest Coverage Chart
PT Asuransi Tugu Pratama Indonesia Tbk Annual Data
FRA:H1M vs BRK.A, AIG, HIG: Interest Coverage Comparison
For the Insurance - Diversified subindustry, PT Asuransi Tugu Pratama Indonesia Tbk'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.
PT Asuransi Tugu Pratama Indonesia Tbk Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, PT Asuransi Tugu Pratama Indonesia Tbk's Interest Coverage distribution charts can be found below:
* The bar in red indicates where PT Asuransi Tugu Pratama Indonesia Tbk's Interest Coverage falls into.
PT Asuransi Tugu Pratama Indonesia Tbk 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.
PT Asuransi Tugu Pratama Indonesia Tbk (FRA:H1M) has a Interest Coverage of 28.68 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on PT Asuransi Tugu Pratama Indonesia Tbk and its competitors. This is near median its historical median of 30.79. Over the past decade, PT Asuransi Tugu Pratama Indonesia Tbk's Interest Coverage has ranged from 16.48 to 88.29. According to the industry distribution chart, PT Asuransi Tugu Pratama Indonesia Tbk ranks #162 out of 350 companies in the Insurance industry, placing it in the top 46.3%.
Is PT Asuransi Tugu Pratama Indonesia Tbk's Interest Coverage too high?
PT Asuransi Tugu Pratama Indonesia Tbk's current Interest Coverage of 28.68 is near median its 10-year median of 30.79. Over the past 10 years, this metric has ranged from a low of 16.48 to a high of 88.29. The Insurance industry median Interest Coverage is 16.03. PT Asuransi Tugu Pratama Indonesia Tbk's value of 28.68 is 78.9% above this industry median. Based on the distribution chart, PT Asuransi Tugu Pratama Indonesia Tbk ranks #162 out of 350 companies in the Insurance industry, which is above the industry midpoint. Overall, PT Asuransi Tugu Pratama Indonesia Tbk has a GF Score™ of 83/100, reflecting its overall financial health beyond just this single metric.
How does PT Asuransi Tugu Pratama Indonesia Tbk's Interest Coverage compare to BRK.A and AIG?
According to the Insurance industry distribution chart, PT Asuransi Tugu Pratama Indonesia Tbk ranks #162 out of 350 companies for Interest Coverage. This puts PT Asuransi Tugu Pratama Indonesia Tbk in the upper half of its industry. The industry median Interest Coverage is 16.03. PT Asuransi Tugu Pratama Indonesia Tbk's value of 28.68 is 78.9% above this benchmark. Historically, PT Asuransi Tugu Pratama Indonesia Tbk's own Interest Coverage has ranged from 16.48 to 88.29 over the past decade. While the company's 10-year median is 30.79 vs. the industry median of 16.03, PT Asuransi Tugu Pratama Indonesia Tbk 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 16.03, based on 350 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. PT Asuransi Tugu Pratama Indonesia Tbk's current Interest Coverage of 28.68 is 78.9% 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 PT Asuransi Tugu Pratama Indonesia Tbk and its competitors. For the Insurance industry, the median Interest Coverage is 16.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Asuransi Tugu Pratama Indonesia Tbk's current Interest Coverage is 28.68, which is near median its own 10-year median of 30.79. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Asuransi Tugu Pratama Indonesia Tbk stock overvalued right now?
PT Asuransi Tugu Pratama Indonesia Tbk (FRA:H1M) has a current Interest Coverage of 28.68. The stock's GF Value™ is €0.04, compared to a current price of €0.05 — trading 13% above its estimated fair value. The current Interest Coverage is 28.68, which is near median its 10-year median of 30.79 and 78.9% above the Insurance industry median of 16.03. PT Asuransi Tugu Pratama Indonesia Tbk's overall GF Score™ is 83/100 with 3 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 PT Asuransi Tugu Pratama Indonesia Tbk (FRA:H1M), the current Interest Coverage is 28.68 as of Mar. 2026. 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 PT Asuransi Tugu Pratama Indonesia Tbk (FRA:H1M) Overvalued in 2026?
Based on GuruFocus' analysis, PT Asuransi Tugu Pratama Indonesia Tbk stock appears to be overvalued.
The current stock price of €0.05 is trading 13% above its estimated GF Value™ of €0.04.
Key valuation signals for FRA:H1M:
Interest Coverage: 28.68 (near median its 10-year median of 30.79)
GF Value™: €0.04 vs. price of €0.05 (13% above fair value)
Industry Position: 78.9% above the Insurance median (#162 of 350)
No single metric tells the full story. See the FRA:H1M stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Asuransi Tugu Pratama Indonesia Tbk Business Description
PT Asuransi Tugu Pratama Indonesia Tbk is an insurance company. It has four business segments namely General insurance; Reinsurance; Rental and related business; and Others. Geographically, it derives the majority of its revenue from Indonesia. Its products include Fire and Property, Health, Personal, Aviation, Marine Hull, Cargo and Protection and Indemnity, Engineering, and other Miscellaneous insurance.
83GF Score
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