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. Ping An Insurance (Group) Co. of China's
EBIT
for the
three
months ended in Mar. 2026 was €5,085 Mil. Ping An Insurance (Group) Co. of China's Interest Expense for the
three
months ended in Mar. 2026 was €-682 Mil.
Ping An Insurance (Group) Co. of China's interest coverage for the quarter that ended in Mar. 2026 was 7.45.
The higher the ratio, the stronger the company's financial strength is.
Ping An Insurance (Group) Co. of China (FRA:PZX) 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 .
Ping An Insurance (Group) Co. of China Interest Coverage Related Terms
Ping An Insurance (Group) Co. of China 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.
Ping An Insurance (Group) Co. of China Interest Coverage Chart
Ping An Insurance (Group) Co. of China Annual Data
FRA:PZX vs AFL, MET, PRU: Interest Coverage Comparison
For the Insurance - Life subindustry, Ping An Insurance (Group) Co. of China'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.
Ping An Insurance (Group) Co. of China Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Ping An Insurance (Group) Co. of China's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Ping An Insurance (Group) Co. of China's Interest Coverage falls into.
Ping An Insurance (Group) Co. of China 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.
Ping An Insurance (Group) Co. of China (FRA:PZX) has a Interest Coverage of 7.45 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Ping An Insurance (Group) Co. of China and its competitors. This is 22% below median its historical median of 9.59. Over the past decade, Ping An Insurance (Group) Co. of China's Interest Coverage has ranged from 5.93 to 13.07. According to the industry distribution chart, Ping An Insurance (Group) Co. of China ranks #224 out of 351 companies in the Insurance industry, placing it in the top 63.8%.
Is Ping An Insurance (Group) Co. of China's Interest Coverage too high?
Ping An Insurance (Group) Co. of China's current Interest Coverage of 7.45 is 22% below median its 10-year median of 9.59. Over the past 10 years, this metric has ranged from a low of 5.93 to a high of 13.07. The Insurance industry median Interest Coverage is 16.23. Ping An Insurance (Group) Co. of China's value of 7.45 is 54.1% below this industry median. Based on the distribution chart, Ping An Insurance (Group) Co. of China ranks #224 out of 351 companies in the Insurance industry, which is below the industry midpoint. Overall, Ping An Insurance (Group) Co. of China has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Ping An Insurance (Group) Co. of China's Interest Coverage compare to AFL and MET?
According to the Insurance industry distribution chart, Ping An Insurance (Group) Co. of China ranks #224 out of 351 companies for Interest Coverage. This places Ping An Insurance (Group) Co. of China in the lower half of its industry. The industry median Interest Coverage is 16.23. Ping An Insurance (Group) Co. of China's value of 7.45 is 54.1% below this benchmark. Historically, Ping An Insurance (Group) Co. of China's own Interest Coverage has ranged from 5.93 to 13.07 over the past decade. While the company's 10-year median is 9.59 vs. the industry median of 16.23, Ping An Insurance (Group) Co. of China 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 16.23, 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. Ping An Insurance (Group) Co. of China's current Interest Coverage of 7.45 is 54.1% 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 Ping An Insurance (Group) Co. of China 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. Ping An Insurance (Group) Co. of China's current Interest Coverage is 7.45, which is 22% below median its own 10-year median of 9.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ping An Insurance (Group) Co. of China stock overvalued right now?
Based on GuruFocus' analysis, Ping An Insurance (Group) Co. of China (FRA:PZX) is currently considered Fairly Valued. The stock's GF Value™ is €5.39, compared to a current price of €5.68 — trading 5.4% above its estimated fair value. The current Interest Coverage is 7.45, which is 22% below median its 10-year median of 9.59 and 54.1% below the Insurance industry median of 16.23. Ping An Insurance (Group) Co. of China's overall GF Score™ is 69/100 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 Ping An Insurance (Group) Co. of China (FRA:PZX), the current Interest Coverage is 7.45 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 Ping An Insurance (Group) Co. of China (FRA:PZX) Overvalued in 2026?
Based on GuruFocus' analysis, Ping An Insurance (Group) Co. of China stock appears to be overvalued.
The current stock price of €5.68 is trading 5.4% above its estimated GF Value™ of €5.39.
GuruFocus considers Ping An Insurance (Group) Co. of China to be Fairly Valued.
Key valuation signals for FRA:PZX:
Interest Coverage: 7.45 (22% below median its 10-year median of 9.59)
GF Value™: €5.39 vs. price of €5.68 (5.4% above fair value)
Industry Position: 54.1% below the Insurance median (#224 of 351)
No single metric tells the full story. See the FRA:PZX stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ping An Insurance (Group) Co. of China Business Description
Ping An Insurance was founded in 1988 and headquartered in Shenzhen. As an integrated financial service provider, the company offers healthcare services and integrated financial products. Ping An is China's second-largest life and P&C insurer. The company strives for an integrated financial services platform comprising life insurance, P&C insurance, banking, and other financial services. These business segments contributed 66%, 10%, 28%, and 1% of the company's pretax profits, respectively, in 2025.
69GF Score
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